Business Details
50+ Years
experience
Your Trusted Financial Partner for Life
Centra Credit Union was founded in 1940 with a mission of People Helping People. Over 80 years, we have grown to serve more than 180,000 members with $2 billion in assets and 400+ dedicated employees. Our commitment to fair and transparent pricing ensures members never face unexpected fees while accessing competitive rates tailored to their financial needs. Headquartered in Columbus, Indiana, we operate 28 locations across Indiana, Kentucky, New York, and North Carolina, prioritizing personalized service from local team members who value financial wellbeing. Our community impact extends through annual donations exceeding hundreds of thousands of dollars and granting team members paid time for volunteer work. As a not-for-profit institution, our profits directly benefit members through cash rewards, better rates, and lower fees.We offer comprehensive financial solutions including digital banking, loans, mortgages, and savings products designed for convenience and accessibility. Our history of innovation includes pioneering digital services like eStatements and 24/7 fraud support, while maintaining traditional values of trust and transparency. Recognized as a Best-in-State Credit Union by Forbes, we combine industry expertise with member-centric policies to deliver exceptional service. Our team members undergo continuous training to maintain expertise in financial products, security protocols, and customer service standards, ensuring we meet evolving member needs while upholding our founding principles.
Services
Savings Accounts
Checking Accounts
Mortgage Loans
Auto Loans
Credit Cards
Digital Banking
Business Banking
Financial Education
Loan Refinancing
Wealth Management
Details
- Year established: 1940
Highlights and features
- We return profits to members through competitive rates and low fees
- Our local team members prioritize personalized financial guidance
- We offer 24/7 fraud protection and digital banking convenience
- Recognized as Forbes Best-in-State Credit Union
- Over 80 years of community-focused financial expertise
Associations and certifications
- NCUA
Services
Digital Banking
Our digital banking platform provides 24/7 access to account management, money transfers, and financial tracking tools. Members can securely monitor transactions, set spending alerts, and deposit checks remotely using mobile banking. This service integrates card controls and real-time balance updates to help users maintain financial oversight from any location.
Auto Loans
We offer competitive auto loan rates for new and used vehicle purchases with flexible terms. Our financing options include refinancing opportunities and special programs for first-time buyers. Loan specialists work directly with members to find affordable payment plans that align with their financial goals and credit profiles.
Mortgage Loans
Our mortgage services cover purchase loans, refinancing, and construction financing with personalized guidance from experienced consultants. We provide fixed and adjustable-rate options alongside down payment assistance programs. Members receive comprehensive support throughout the home buying process, including pre-qualification and closing assistance.
Savings Accounts
We offer multiple savings solutions including high-yield accounts, certificates, and IRAs with tiered interest rates. Special promotions like limited-time certificate specials provide enhanced returns for members. All accounts maintain FDIC-insured security while offering accessible options for short and long-term financial goals.
Financial Education
Our financial wellness programs provide free resources on budgeting, credit management, and investment basics. Certified counselors offer personalized guidance through workshops and one-on-one consultations. These services aim to empower members with knowledge to make informed financial decisions at every life stage.
Questions
How do I access digital banking services?
Log in to our digital banking portal or mobile app using your credentials. New users can register through our website or contact our support team for assistance with setup.
What loan options are available for first-time homebuyers?
We offer competitive mortgage rates, down payment assistance programs, and personalized guidance from certified loan consultants for first-time home purchases.
Are there fees for using out-of-network ATMs?
We reimburse the first four monthly foreign ATM transactions. Additional withdrawals incur a $1.50 fee per transaction through non-Centra ATMs.
How can I report a lost or stolen debit card?
Contact our 24/7 fraud line at 844-698-7052 immediately to report lost or stolen cards and initiate replacement procedures.
What community initiatives does Centra support?
Our foundation donates over $100,000 annually to local organizations, provides scholarship programs, and grants team members paid time for volunteer activities.
Reviews (4)
Linnea C.
Feb 08, 2021
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I was in the drive through for 20 minutes trying to deposit my Franklin Templeton check. They were very rude to me. "What kind of check is this?" was all they had to say and then 10 minutes later... "Have you had a check like this before?" So rude. It's freezing cold outside and the least they could have done was tell me it would be a few minutes but instead I sat with my window down waiting to see what was taking so long. They asked for my ID about 15 minutes in and around the 20 minute mark they asked me who "Camilla" was. Camilla is my grandma who opened up
Kelly Jo King
Nov 15, 2020
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Every bank promises customer care and appreciation. When problems arise they do not work with you. Centra does, and will treat you like a friend and your help keep money worries minimal. Love my centra.
Miguel Salami
Nov 22, 2018
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I have been banking wirh this location for years all the staff are friendly and extremely helpful never ever have I had one complaint and visit at least once a week inside for all my banking needs trust me you wont be disappointed I love this place!
Michael B.
Oct 05, 2018
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Unless you hate your money, I'd avoid Centra. They've got a lot to learn about customer service. A single phone number, and after five 15-minute attempts this morning....not a single live person. I don't beg anyone to do business with me. This is why I have never switched my primary banking to Centra. I'll stick with L&N Federal Credit Union. I've never had these issues with L&N. I encourage Centra leadership to pick up a phone and try the customer experience themselves. If I were King, heads would roll.
UPDATE (3 days later): After "Response from the Owner", "We are experiencing longer than normal
UPDATE (3 days later): After "Response from the Owner", "We are experiencing longer than normal
