Centra Credit Union

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A short history of Centra CU

Since its inception in 1940 the Centra Credit Union has been serving its members in the COLUMBUS, Indiana area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Rick Silvers, the Centra CU has grown its membership to over 110,487 with assets of more than $1,410,887,829. They have a main office and 24 branch offices. Please see the credit unions website or contact them by phone at (812) 376-9771 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in COLUMBUS, IN.

General Information For Centra CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68287
Address 1430 N NATIONAL RD, PO BOX 789 
State Indiana 
Zip-Code 47202
Phone Number (812) 376-9771
Fax Number () -
Email Address: none
CEO/President Rick Silvers
Members 110,487 
Full-Time Employees 282 
Part-Time Employees 48 
Number of Branch Offices 24 
Total Assets 1,410,887,829 
Website http://www.centra.org 

Compare Centra Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Business And Industrial CU Marr Road 740 N Marr Rd 47201 (812) 372-6091 No 1.96
Bar-cons CU Columbus Office 1142 N Marr Rd 47201 (812) 372-8776 No 2.04
Jackson County Co-op CU MAIN OFFICE 705 W 2nd St 47274 (812) 523-1630 No 16.96

Centra Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Centra Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.99 3.89 4.14 3.38 5.25
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 253 261 218 59 260
Rank Among All Indiana Credit Unions 28 58 40 5 37

Centra Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.15 0.20 0.70 0.65 0.65
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 108 108 36 234 205
Rank Among All Indiana Credit Unions 13 18 2 40 31
Centra Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.99011,84030,833,744
All Other Unsecured Loans/Lines of Credit 8.2507,81915,519,375
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.8904,845109,763,115
Used Vehicle Loans 4.14017,487239,745,214
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.3803,529392,926,718
Total Other Real Estate Loans/Lines of Credit 5.2503,811118,283,024
Leases Receivable 3.62085528,549,824
Total All Other Loans/Lines of Credit 10.2501,65723,618,940
TOTAL LOANS & LEASES 51,843959,239,954

Centra Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 24826,222,77611116,873,288
    b. 15 Years or less 2,151166,275,50416115,649,290
    a. > 15 years 40150,207,246405,180,220
    b. 15 Years or less 39636,556,585153,976,003
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 303111,391,4913613,437,119
Adjustable Rate > 1 yr 302,273,11600


Closed-End Fixed Rate 1,03725,157,2811123,479,584
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 2,77493,125,74326812,858,162
Open-End Fixed Rate 0000
TOTALS 7,340511,209,74274371,453,666


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 1,70158,880,87122,441,716
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Centra Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes