Credit union · NCUA insured
Centra Credit Union Savings Rates
Centra Credit Union’s best savings rate is 1.35% APY on $10,000, with its High Interest Money Market Savings. Rates checked October 15, 2026.
How Centra Credit Union’s savings 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
1.35%APY
- Minimum
- —
- Earns on $10,000 a year
- $135
High Interest Money Market Savings
Top rate
LG&E Co. Credit Union
5.12%APY
- Minimum
- $50
- Earns on $10,000 a year
- $512
2nd-highest rate
Beacon Community Credit Union
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
Centra Credit Union savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0001.35%
- $10,000 balance$10,0001.35%
- $100,000 balance$100,0001.45%
- QualifiedQualified1.35%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Member Loyalty Account
4.35%APY
Available when you open an eligible consumer checking account. Deposits and transfers are limited to Centra's Member Loyalty Rewards (including certificate accrued interest or Member Loyalty Bonus).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $40,000 | 4.35% | $435 |
| Over $40,000 | 3.50% | — |
Sources (2)
All captured Oct 5, 2026
High Interest Money Market Savings
1.35%APY
Deposits in excess of $1,000,000 will require a special rate quote which may differ from posted rates. Unlimited withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999 | 1.35% | $135 | |
| $25,000 – $49,999 | 1.40% | — | |
| $50,000 – $249,999 | 1.45% | — | |
| $250,000 – $499,999 | 1.60% | — | |
| $500,000 – $999,999 | 2.10% | — | |
| $1,000,000 – $2,999,999Deposits in excess of $1,000,000 will require a special rate quote which may differ from posted rates. | 3.20% | — | Deposits in excess of $1,000,000 will require a special rate quote which may differ from posted rates. |
| $3,000,000 and upDeposits in excess of $1,000,000 will require a special rate quote which may differ from posted rates. | 3.35% | — | Deposits in excess of $1,000,000 will require a special rate quote which may differ from posted rates. |
Sources (2)
All captured Sep 18, 2026
Membership Savings
0.10%APY
Required deposit for opening is $5. $2 monthly service charge for printed statements is waived for primary members age 65+ or special titled accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$2 monthly service charge for printed statements (waived for primary members age 65 or older and special titled accounts).Any balance | 0.10% | $10 | $2 monthly service charge for printed statements (waived for primary members age 65 or older and special titled accounts). |
Sources (2)
All captured Oct 5, 2026
Opportunity
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- centra.org/centra-savings-accounts/deposit-rates · captured Oct 5, 2026
You Choose Savings
0.10%APY
Available to add up to four additional designated savings accounts once you have a Membership Savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Christmas Club
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- centra.org/centra-savings-accounts/deposit-rates · captured Oct 5, 2026
IRA Savings
0.10%APY
Available as Traditional IRA, Roth IRA, or Coverdell Education Savings Account (Education IRA). Early withdrawal penalties and maintenance fees may apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Closed to new customers
Money Market & Classic Plus Savings
0.25%APY
No longer open to new deposits.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999No longer open to new deposits. | 0.10% | — | No longer open to new deposits. |
| $1,000 – $4,999No longer open to new deposits. | 0.15% | — | No longer open to new deposits. |
| $5,000 – $14,999No longer open to new deposits. | 0.25% | $25 | No longer open to new deposits. |
| $15,000 – $24,999No longer open to new deposits. | 0.40% | — | No longer open to new deposits. |
| $25,000 – $49,999No longer open to new deposits. | 0.65% | — | No longer open to new deposits. |
| $50,000 and upNo longer open to new deposits. | 0.85% | — | No longer open to new deposits. |
Sources (1)
- centra.org/centra-savings-accounts/deposit-rates · captured Sep 18, 2026
HSA Money Market Savings
0.40%APY
No longer open to new deposits.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $4,999No longer open to new deposits. | 0.15% | — | No longer open to new deposits. |
| $5,000 – $9,999No longer open to new deposits. | 0.30% | — | No longer open to new deposits. |
| $10,000 – $24,999No longer open to new deposits. | 0.40% | $40 | No longer open to new deposits. |
| $25,000 – $49,999No longer open to new deposits. | 0.40% | — | No longer open to new deposits. |
| $50,000 and upNo longer open to new deposits. | 0.40% | — | No longer open to new deposits. |
Sources (1)
- centra.org/centra-savings-accounts/deposit-rates · captured Sep 18, 2026
Premium Money Market Checking
0.15%APY
No longer open to new deposits.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $9,999No longer open to new deposits. | 0.10% | — | No longer open to new deposits. |
| $10,000 – $24,999No longer open to new deposits. | 0.15% | $15 | No longer open to new deposits. |
| $25,000 – $49,999No longer open to new deposits. | 0.20% | — | No longer open to new deposits. |
| $50,000 and upNo longer open to new deposits. | 0.30% | — | No longer open to new deposits. |
Sources (1)
- centra.org/centra-savings-accounts/deposit-rates · captured Sep 18, 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.