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CENTRIC Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 10, 2026
CENTRIC's top rates as of October 10, 2026 are 4.30% APY on its Business CD - 15 month Special, 4.00% APY on savings, 2.85% APY on checking, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other CENTRIC CD rates include IRA CD - 15 month Special at 4.30%, Regular CD - 15 month Special at 4.30%, and Business CD - 36 month at 4.00%. MonitorBankRates evaluates the financial stability of CENTRIC with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.07%. Rates last updated and verified on 10/10/2026.
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.
CENTRIC has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
CENTRIC has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
8.07%
ExcellentHigher than avg
CENTRIC Texas Ratio
CENTRIC's Texas Ratio is 8.07%, which is considered excellent and is higher than the national average of 6.13%.
CENTRIC has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
7.74% to 8.07% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
CENTRIC CD Rates
Product
Rate
APY
Term
View More
IRA Certificate - 15 month Special
4.22%
4.30%
15 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.30% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Regular Certificate - 15 month Special
4.22%
4.30%
15 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
IRA Certificate - 36 month
3.93%
4.00%
36 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
Oct 10, 20264.00%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
IRA Certificate - 48 month
3.93%
4.00%
48 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
Oct 10, 20264.00%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
IRA Certificate - 60 month
3.93%
4.00%
60 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
Oct 10, 20264.00%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Regular Certificate - 36 month
3.93%
4.00%
36 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
Oct 10, 20264.00%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Regular Certificate - 48 month
3.93%
4.00%
48 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
Oct 10, 20264.00%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Regular Certificate - 60 month
3.93%
4.00%
60 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
Oct 10, 20264.00%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
IRA Certificate - 24 month
3.83%
3.90%
24 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
Oct 10, 20263.90%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Regular Certificate - 24 month
3.83%
3.90%
24 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
Oct 10, 20263.90%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
IRA Certificate - 18 month
3.78%
3.85%
18 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
Oct 10, 20263.85%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Regular Certificate - 18 month
3.78%
3.85%
18 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
Oct 10, 20263.85%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
IRA Certificate - 12 month
3.69%
3.75%
12 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Regular Certificate - 12 month
3.69%
3.75%
12 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Regular Certificate - 6 month
3.69%
3.75%
6 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
CENTRIC Business CD Rates
Product
Rate
APY
Term
View More
Business Share Certificate - 15 month Special
4.22%
4.30%
15 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.30% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Share Certificate - 36 month
3.93%
4.00%
36 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
Oct 10, 20264.00%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Share Certificate - 48 month
3.93%
4.00%
48 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
Oct 10, 20264.00%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Share Certificate - 60 month
3.93%
4.00%
60 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
Oct 10, 20264.00%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Share Certificate - 24 month
3.83%
3.90%
24 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
Oct 10, 20263.90%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Share Certificate - 18 month
3.78%
3.85%
18 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
Oct 10, 20263.85%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Share Certificate - 12 month
3.69%
3.75%
12 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Share Certificate - 6 month
3.69%
3.75%
6 Months
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
CENTRIC Savings Rates
Product
Rate
APY
View More
Money Market Savings
3.928%
4.00%
Min Balance$50,000
DetailsBalance: $50,000+
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Money Market Savings
0.995%
1.00%
Min Balance$2,500
DetailsBalance: $2,500 - $49,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Club Accounts (Santa Saver, Vacation Club)
0.35%
0.35%
Min Balance$5
DetailsLimited Access
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Youth Savings (Kidz Saver)
0.35%
0.35%
Min Balance$25
DetailsAge: 17 & under
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Basic Savings
0.25%
0.25%
Min Balance$200
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
CENTRIC Business Savings Rates
Product
Rate
APY
View More
Business Money Market Savings
3.928%
4.00%
Min Balance$50,000
DetailsBalance: $50,000+
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Money Market Savings
0.995%
1.00%
Min Balance$2,500
DetailsBalance: $2,500 - $49,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Basic Savings
0.25%
0.25%
Min Balance$200
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
CENTRIC Money Market Rates
Product
Rate
APY
View More
Money Market Savings
3.928%
4.00%
Min Balance$50,000
DetailsBalance: $50,000+
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Money Market Savings
0.995%
1.00%
Min Balance$2,500
DetailsBalance: $2,500 - $49,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
CENTRIC Business Money Market Rates
Product
Rate
APY
View More
Business Money Market Savings
3.928%
4.00%
Min Balance$50,000
DetailsBalance: $50,000+
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Money Market Savings
0.995%
1.00%
Min Balance$2,500
DetailsBalance: $2,500 - $49,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
CENTRIC Business Checking Rates
Product
Rate
APY
View More
Business Checking Plus
2.81%
2.85%
Min Balance$2,500,000
DetailsBalance: $2,500,000 & over
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Checking Plus
1.83%
1.85%
Min Balance$250,000
DetailsBalance: $250,000-$2,499,999
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.85% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Checking Plus
1.69%
1.70%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Checking Plus
1.54%
1.55%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 0.62% → 1.55% ▲ 0.93 pts · high 1.55% / low 0.62%
Sep 18, 20261.55%▲ from 0.62%
Sep 14, 20260.62%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Checking Plus
1.40%
1.40%
Min Balance$10,000
DetailsBalance: $10,000 - $49,999
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 0.54% → 1.40% ▲ 0.86 pts · high 1.40% / low 0.54%
Sep 18, 20261.40%▲ from 0.54%
Sep 14, 20260.54%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Checking Plus
1.24%
1.25%
Min Balance$0
DetailsBalance: $0 - $9,999
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Checking Plus
0.62%
0.62%
Min Balance$50,000
DetailsBalance: $50,000+
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.62% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Checking Plus
0.58%
0.58%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.58% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Checking Plus
0.54%
0.54%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.54% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Checking Plus
0.50%
0.50%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
CENTRIC Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan
-
-
5.75%
0-24 Months
DetailsNew (Non Real Estate)
Last Updated10/10/2026
Rate History
1 change since Sep 22, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50%
Oct 10, 20265.75%▲ from 5.50%
Sep 22, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Auto Loan
-
-
6.00%
25-36 Months
DetailsNew (Non Real Estate)
Last Updated10/10/2026
Rate History
1 change since Sep 22, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
Oct 10, 20266.00%▲ from 5.75%
Sep 22, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Auto Loan
-
-
6.25%
37-48 Months
DetailsNew (Non Real Estate)
Last Updated10/10/2026
Rate History
1 change since Sep 22, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00%
Oct 10, 20266.25%▲ from 6.00%
Sep 22, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Auto Loan
-
-
6.50%
49-60 Months
DetailsNew (Non Real Estate)
Last Updated10/10/2026
Rate History
1 change since Sep 22, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
Oct 10, 20266.50%▲ from 6.25%
Sep 22, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Auto Loan
-
-
6.75%
61-72 Months
DetailsNew (Non Real Estate)
Last Updated10/10/2026
Rate History
1 change since Sep 22, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
Oct 10, 20266.75%▲ from 6.50%
Sep 22, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Auto Loan
-
-
7.00%
73-84 Months
DetailsNew (Non Real Estate)
Last Updated10/10/2026
Rate History
1 change since Sep 22, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Oct 10, 20267.00%▲ from 6.75%
Sep 22, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Auto Loan
-
-
7.50%
85-96 Months
DetailsNew (Non Real Estate)
Last Updated10/10/2026
Rate History
1 change since Sep 22, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25%
Oct 10, 20267.50%▲ from 7.25%
Sep 22, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
CENTRIC Personal Loan Rates
Product
APR
Term
View More
Signature Loan
9.99%
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
CENTRIC Other Rates
Product
Rate
Points
APY/APR
Term
View More
Business Special A Shares
0.25%
-
0.25%
Min Balance$200
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Special B Shares
0.25%
-
0.25%
Min Balance$200
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Business Special C Shares
0.25%
-
0.25%
Min Balance$200
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Max Money Account
1.40%
-
1.40%
Min Balance$2,500
DetailsBalance: $2,500 - $4,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Max Money Account
1.54%
-
1.55%
Min Balance$5,000
DetailsBalance: $5,000 - $19,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Max Money Account
1.69%
-
1.70%
Min Balance$20,000
DetailsBalance: $20,000+
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Money Market Savings
-
-
4.00%
Min Balance$50,000
DetailsGet more from your money and earn 4.00% APY on balances greater than $50,000 with Money Market Savings. Click Here to Learn More
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Traditional Individual Retirement Account (IRA)
1.00%
-
1.00%
Min Balance$200
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Financial Health History
CENTRIC’s Texas Ratio stayed near 7.74% in Q3 2023 to 8.07% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$448M
8.07%
5.0
A
March 31, 2026
$454M
6.84%
5.0
A
December 31, 2025
$420M
8.24%
5.0
A
September 30, 2025
$417M
7.56%
5.0
A
June 30, 2025
$420M
10.81%
5.0
A
March 31, 2025
$413M
8.32%
5.0
A
December 31, 2024
$394M
9.23%
5.0
A
September 30, 2024
$385M
7.38%
5.0
A
June 30, 2024
$382M
7.62%
5.0
A
March 31, 2024
$380M
6.48%
5.0
A
December 31, 2023
$368M
10.17%
5.0
A
September 30, 2023
$360M
7.74%
5.0
A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
55,329,379
Total Uninsured Shares and Deposits > $250K (F+J)
56,764,955
Total Insured Shares and Deposits > $250K (item 17 less item K)
328,336,842
Total Interest Expense (Sum of items 6 8)
4,486,493
Share Certificates
2,500
Number of Accounts for Share Drafts
22,964
IRA KEOGH Accounts
722
Number of Accounts for Regular Shares
46,297
Non Member Deposits
55
Net Income (unless the amount is already included in Undivided Earnings)
1,287,712
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
43,633,641
Total Liabilities
397,829,309
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
CENTRIC earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About CENTRIC
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
12-Month CD3.75%
18-Month CD3.85%
24-Month CD3.90%
60-Month CD4.00%
Savings4.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
