Credit union · NCUA insured
Centra Credit Union Credit Card Rates
Centra Credit Union credit cards start at 12.00% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Centra Credit Union’s credit card rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Centra Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Centra Credit Union
12.00%APR
- Up to
- 19.00% APR
The YOU Card
Lowest rate
Doe Run Federal Credit Union
8.90%APR
- Up to
- —
2nd-lowest rate
Transcend Credit Union
8.90%APR
- Up to
- 17.90% APR
Centra Credit Union credit card score
72
Credit card score
Higher than 30% of U.S. banks and credit unions
- Purchase APRPurchase APR12.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Centra Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Secured VISA Platinum
Perfect for anyone looking to build credit or rebuild finances. Credit line $500 – $2,000. Minimum payment: 2% of avg balance. 10 day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74%–18.00% | None | Variable APR for purchases and cash advances. No intro rate for purchases, balance transfers, & cash advances. |
Sources (2)
All captured Oct 5, 2026
The YOU Card
For those with excellent credit looking for premier cardholder perks. Credit line $5,000 – $30,000. Minimum payment: 2% of avg balance. 15 day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory promotional 0% APR for purchases, balance transfers, & cash advances for the first six months from account opening. |
| Ongoing | 12.00%–18.00% | None | Variable APR for purchases and cash advances. After the first six months, APR is based on Prime Rate (Index) plus a margin of 5.00% to 12.00% (currently 12.00% – 18.00%). APR will never be greater than 18.00%. |
Sources (2)
All captured Oct 5, 2026
VISA Platinum
Designed for those who want to combine great rates with great rewards. Credit line $500 – $30,000. Minimum payment: 2% of avg balance. 10 day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.70% | None | Introductory promotional 3.70% APR for purchases, balance transfers, & cash advances for the first six months from account opening. |
| Ongoing | 12.74%–18.00% | None | Variable APR for purchases and cash advances. After the first six months, APR is based on Prime Rate (Index) plus a margin of 5.74% to 11.00% (currently 12.74% – 18.00%). APR will never be greater than 18.00%. |
Sources (2)
All 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.