Credit union · NCUA insured
Centra Credit Union CD Rates
Centra Credit Union’s best CD rate is 4.35% APY on an 8-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Centra Credit Union’s CD rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Centra Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Centra Credit Union
4.35%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $288
Share Certificates
Top rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
2nd-highest rate
Lincoln National Bank
4.65%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $505
Centra Credit Union CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo4.35%
- 9–15 months9–15 mo1.70%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo2.10%
- QualifiedQualified4.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Centra Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.35%APY · 13 terms
Fixed-rate, fixed-term certificate account. Dividends can be deposited into a Member Loyalty Account.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 0 months | 0.80% | 0.85% | 0.80%0.85% from $100k | $2 |
| 3 months | 0.85% | 0.90% | 0.85%0.90% from $100k | $21 |
| 4 months | 0.95% | 1.00% | 0.95%1.00% from $100k | $32 |
| 6 months | 1.55% | 1.60% | 1.55%1.60% from $100k | $77 |
| 8 monthsRequires checking account | 4.35% | — | 4.35% | $288 |
| 10 months | 1.65% | 1.70% | 1.65%1.70% from $100k | $137 |
| 12 months | 1.70% | 1.75% | 1.70%1.75% from $100k | $170 |
| 18 months | 1.80% | 1.85% | 1.80%1.85% from $100k | $271 |
| 24 months | 4.00% | 4.15% | 4.00%4.15% from $100k | $816 |
| 30 months | 1.90% | 1.95% | 1.90%1.95% from $100k | $482 |
| 36 months | 2.00% | 2.05% | 2.00%2.05% from $100k | $612 |
| 48 months | 2.05% | 2.10% | 2.05%2.10% from $100k | $846 |
| 60 months | 2.10% | 2.15% | 2.10%2.15% from $100k | $1,095 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.35%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsRequires checking account | 4.35% | $288 |
| 12 months | 1.70% | $170 |
| 18 months | 1.80% | $271 |
| 24 months | 4.00% | $816 |
| 36 months | 2.00% | $612 |
| 48 months | 2.05% | $846 |
| 60 months | 2.10% | $1,095 |
Sources (1)
- centra.org/centra-savings-accounts/deposit-rates · captured Oct 5, 2026
Who can join Centra Credit Union
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.
Membership information collected October 5, 2026.