Credit union · NCUA insured
CentricityCU
A $337.9M credit union headquartered in Hermantown, MN, with 21,757 members and 5 branches in 2 states. Best rates: CDs 4.00% and savings 1.00% APY.
CentricityCU Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#15 of 29 in Duluth, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CentricityCU
Founded in 1943 in Hermantown, Centricity was established to provide members and neighbors with a trusted local financial solution.
The member-owned credit union changed its name to Centricity in July 2017 to reflect a member-centric approach to banking.
Centricity operates branch locations in Hermantown, Duluth, and Superior, serving members across St. Louis, Carlton, Pine, Lake, and Douglas Counties.
- Headquarters
- 4477 Lavaque Rd, Hermantown, MN 55811
- NCUA charter
- 68685
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in St. Louis, Carlton, Lake, Pine, or Douglas County are eligible to join Centricity.
Branches
5 branches in 2 states
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Minnesota
4 branches
- Hermantown OfficeMain office4477 Lavaque Rd, Hermantown, MN 55811Directions
- Denfeld Office3924 Grand Ave, Duluth, MN 55807Directions
- Duluth Office2501 London Rd, Duluth, MN 55812Directions
- Proctor Office410 N 2nd Ave, Proctor, MN 55810Directions
Wisconsin
1 branch
- Superior Office25 Belknap St, Superior, WI 54880Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.97% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.79% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.19% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $91 | $76 | — |
- CapitalNet worth ratio13.97%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.79%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.19%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$91Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 CentricityCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.