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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CENTRIC Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
CENTRIC's Business CD 6 month rates are at 3.65%, 6 month Regular CD rates are at 3.65%, Business CD 12 month rates are at 3.40%, IRA CD 12 month rates are at 3.40%, 12 month Regular CD rates are at 3.40%. CENTRIC's savings rates are at 0.25%. CENTRIC's Personal Loan Rates are at 5.50%. MonitorBankRates evaluates the financial stability of CENTRIC with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.28%. Rates were last updated on 03/28/2026. CENTRIC money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CENTRIC? Share your experience about CENTRIC by leaving a review below, or read customer reviews before you decide to use CENTRIC. FSB of Malta
Expo Circle Admin Center 213 Expo Cir
http://www.mycentric.org West Monroe, LA 71292 9414 
CENTRIC CD Rates
CENTRIC Savings Rates
CENTRIC Checking Rates
CENTRIC Home Equity & HELOC
CENTRIC Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for CENTRIC is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather CENTRIC rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with CENTRIC's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
CENTRIC
Website
http://www.mycentric.org
Address
213 Expo Cir,
West Monroe, LA 71292 9414
Phone
318-340-9656
Fax
318-323-1517
President
Don Murphy Jr
CEO
Troyce Parker
Full-Time Employees
123
Part-Time Employees
1
Branch Locations
9
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.28%
Return on Assets (ROA)
0.2901%
Return on Equity (ROE)
2.3097%
Non-Performing Loans Ratio (NPL)
1.34%
Total Assets
416,713,072
Total Amount of Shares and Deposits
358,065,329
Total Shares and Deposits < 1 Year
337,192,198
Total Shares and Deposits 1 3 Years
20,390,670
Total Shares and Deposits > 3 Years
482,461
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
38,089,611
Total Uninsured Shares and Deposits > $250K (F+J)
38,089,611
Total Insured Shares and Deposits > $250K (item 17 less item K)
319,975,718
Total Interest Expense (Sum of items 6 8)
7,334,378
Share Certificates
2,552
Number of Accounts for Share Drafts
22,384
IRA KEOGH Accounts
753
Number of Accounts for Regular Shares
44,344
Non Member Deposits
60
Net Income (unless the amount is already included in Undivided Earnings)
1,208,860
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
42,459,358
Total Liabilities
369,738,611
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About CENTRICIs CENTRIC a safe place to deposit money?Yes, CENTRIC is considered a safe financial institution. With a Texas Ratio of 8.2832453422376%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does CENTRIC operate?CENTRIC currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join CENTRIC?Yes, to access services at CENTRIC, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, CENTRIC does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, CENTRIC provides members with tools to manage their accounts and build a solid financial history. Does CENTRIC offer online and mobile banking?Most modern institutions like CENTRIC provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.mycentric.org. Current CENTRIC Rates
Retrieved from our database of financial products. Rates subject to change.
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