Credit union · NCUA insured
Centra Credit Union
A $2.4B credit union, the 226th largest of 4,329, headquartered in Columbus, IN, with 139,152 members and 28 branches in 3 states. Best rates: CDs 4.35% and savings 1.35% APY.
Centra Credit Union Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#15 of 43 in Louisville/Jefferson County, KY-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Centra Credit Union
Centra Credit Union is a member-owned financial institution headquartered in Columbus, Indiana.
It serves numerous counties across Indiana and Kentucky, as well as select townships in Marion County, Indiana.
- Headquarters
- 3801 Tupelo Dr, PO Box 789, Columbus, IN 47201-7293
- NCUA charter
- 68287
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You can bank at Centra if you live or work in specified Indiana counties or specified Marion County townships.
- You can bank at Centra if you live or work in specified Kentucky counties.
Family and household
- You can bank at Centra if your immediate family members live or work in the eligible Indiana or Kentucky counties/townships.
Branches
28 branches in 3 states
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Indiana
26 branches
Louisville/Jefferson County area · 9
- Charlestown1111 Market St, Charlestown, IN 47111Directions
- Clarksville1122 Veterans Pkwy, Clarksville, IN 47129Directions
- Corydon1365 Highway 135, Corydon, IN 47112Directions
- Jeffersonville2125 Veterans Parkway, Jeffersonville, IN 47130Directions
- River Ridge450 Patrol Rd, Jeffersonville, IN 47130Directions
- Grant Line804 Hausfeldt Ln, New Albany, IN 47150Directions
- State Street2150 State St, New Albany, IN 47150Directions
- Salem1208 S Jackson St, Salem, IN 47167Directions
- Sellersburg651 Hamburg Way, Sellersburg, IN 47172Directions
Indianapolis area · 6
- Carmel11711 Pennsylvania St Ste 101, Carmel, IN 46032Directions
- Shadeland Avenue4562 N Shadeland Ave, Indianapolis, IN 46226Directions
- Zionsville5965 Technology Center Dr, Indianapolis, IN 46278Directions
- Lebanon450 S Lebanon St, Lebanon, IN 46052Directions
- Nashville189 Andy Rogers Way, Nashville, IN 47448Directions
- Shelbyville2450 E State Road 44, Shelbyville, IN 46176Directions
Columbus area · 5
- 26th Street2020 26th St, Columbus, IN 47201Directions
- National Road1430 N National Rd, Columbus, IN 47201Directions
- SR 46 West2165 W Jonathan Moore Pike, Columbus, IN 47201Directions
- Washington Street501 Washington St, Columbus, IN 47201Directions
- Edinburgh15701 North U.S. 31, Edinburgh, IN 46124Directions
Scottsburg area · 2
- Scottsburg281 N Gardner St, Scottsburg, IN 47170Directions
- Scottsburg Walmart1618 W McClain Ave, Scottsburg, IN 47170Directions
Greensburg area · 1
- Greensburg1803 N Lincoln St Ste A, Greensburg, IN 47240Directions
Madison area · 1
- Madison303 Clifty Dr, Madison, IN 47250Directions
North Vernon area · 1
- North Vernon975 Veterans Dr, North Vernon, IN 47265Directions
Seymour area · 1
- Seymour520 S Jackson Park Dr, Seymour, IN 47274Directions
North Carolina
1 branch
- Whitakers, NC9377 N US Highway 301, Whitakers, NC 27891Directions
New York
1 branch
- Jamestown, NY4720 Baker St, Lakewood, NY 14750Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.34% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.96% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.22% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $84 | $88 | — |
- CapitalNet worth ratio12.34%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.96%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.22%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$84Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Centra Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.