Centra Credit Union Charlestown IN | Best Auto Loans & Business Banking

Introduction

Welcome to Centra, your trusted financial partner located at 1111 Market St, Charlestown, IN 47111. Since our establishment in 1940, we have dedicated ourselves to serving the local community with exceptional banking services and a member-first approach. Today, we proudly serve over 154,408 members, with total assets reaching an impressive $2,140,492,376. At Centra, we understand that financial needs can vary widely from person to person. That's why we offer a diverse range of products including personal banking options like checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. With a strong foundation built on trust and reliability, our members can feel confident knowing they are supported by experienced professionals. Under the leadership of CEO Rick Silvers and Board President Randy Proffitt, our team is committed to making a positive impact within the community. With 429 employees working tirelessly to provide top-notch service, you can count on us to be there when you need assistance. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 1111 Market St, Charlestown, IN 47111. Whether you're looking for a new loan or need help with your existing accounts, we're here for you. With total deposits amounting to $166,226,775 and a net worth of $266,708,845, Centra has a solid financial footing to support its members' aspirations. Our commitment doesn't stop there; we also prioritize accessibility through our online and mobile banking services so you can manage your finances anytime and anywhere. Ready to take the next step? Visit our website at centra.org or give us a call at 812-799-1176 today! Let us help you achieve your financial goals with confidence.

Branch History & Mission

Welcome to Centra, where community and financial support go hand in hand. Since opening our doors in 1940, we have proudly served the residents of Charlestown, IN, building a legacy of trust and commitment. Located at 1111 Market St, our branch stands as a beacon for those seeking reliable financial services tailored to their needs. Over the years, Centra has experienced significant growth. With a current membership of over 154,000 individuals, we have become an integral part of the Charlestown community. Our total assets have reached an impressive $2.14 billion, reflecting our stability and dedication to serving our members effectively. We understand that each member's journey is unique, and we strive to offer personalized solutions that empower them financially. Our mission at Centra is clear: we aim to provide exceptional financial services while actively contributing to the well-being of our community. We offer a range of products including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. We also prioritize accessibility; our branch features drive-thru banking and an ATM for your convenience. While members can visit us at 1111 Market St, official correspondence should be sent to the same address. Our operating hours are designed to accommodate busy schedules: Monday through Thursday from 8:30 AM to 5 PM and Saturday from 8:30 AM to 12 PM. At Centra, we believe in giving back. Our outreach programs focus on supporting local initiatives that uplift our community. Whether it's partnering with schools or sponsoring events that foster growth and unity, we are dedicated to making a positive impact. As we embrace digital advancements such as online banking and mobile applications, we remain committed to ensuring accessibility for all. We pride ourselves on being ADA compliant so that everyone can benefit from our services without barriers. Join us today and experience the difference that comes with being part of a credit union dedicated not only to your financial success but also to the welfare of Charlestown. Discover how Centra can help you achieve your goals whether it's saving for a dream home or planning for retirement. Together, let's build a brighter future! For more information or assistance, feel free to reach out at 812-799-1176 or visit us online at Centra.

Branch Location & Accessibility

Welcome to Centra, your trusted partner in financial services, conveniently located at 1111 Market St in the heart of Charlestown, Indiana. This vibrant branch is not just a place to manage your finances; it's a welcoming hub where community members come together. If you need to send us any official correspondence, please use our mailing address at the same location: 1111 Market St, Charlestown, IN 47111. Situated close to local landmarks and easily accessible from major roads, our branch is designed with your convenience in mind. Ample parking is available, ensuring that your visit is hassle-free. We are committed to providing an environment that everyone can enjoy, featuring ADA-compliant facilities for those who require additional assistance. At Centra, we understand that your time is valuable. Our lobby hours make it easy for you to stop by during your busy week: we're open Monday through Thursday from 8:30 AM to 5 PM and on Saturday from 8:30 AM to 12 PM. For quick transactions, our drive-thru service is ready to assist with deposits, withdrawals, and simple banking needs without leaving the comfort of your vehicle. Additionally, we offer convenient ATM access for cash withdrawals and balance checks whenever you need it. Whether you're interested in personal banking services like checking accounts or loans or business banking options, our dedicated team is here to support you. We invite you to visit us at Centra in Charlestown or give us a call at 812-799-1176. Let us help you take the next step toward achieving your financial goals!

Member Eligibility

At Centra, we believe that everyone deserves a chance to be part of a caring community where your financial well-being comes first. Becoming a member is simple and welcoming! If you live, work, or worship in the areas we serve, you're likely eligible to join us. It's all about creating connections and ensuring that our members feel right at home. For more specific details on eligibility criteria, we invite you to check out our resource at https://www.centra.org/membership-savings/. Opening an account with us is straightforward and can be done online or in person at our branch located at 1111 Market St Charlestown In 47111. Our friendly team is here to guide you through every step of the process, so feel free to reach out at (812) 799-1176 if you have any questions. Join us today and experience the benefits of being a valued member of Centra!

Business Banking & Commercial Services

Financing Solutions Tailored for Your Business

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,156 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $8 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $265,973,255, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, our merchant services simplify payment processing so you can focus on what you do best running your business. Imagine being able to accept payments seamlessly, whether in-store or online. Our systems are designed to help you manage transactions efficiently, giving you more time to grow your customer base. Located at 1111 Market St Charlestown In 47111 in Charlestown, IN, we invite you to explore how our tailored services can empower your business. Contact us at (812) 799-1176 or visit us online at Centra to learn more!

Comprehensive List Of Services

Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why Centra offers robust online and mobile banking features that let you manage your accounts anytime, anywhere. Need cash? Our ATM services ensure that withdrawals and balance checks are just a tap away. For simple transactions like deposits and withdrawals, enjoy the ease of our basic drive-thru banking service.

Connecting with Us

Located at 1111 Market St Charlestown In 47111, we are here to serve you Monday through Thursday from 8:30 AM to 5 PM and Saturday from 8:30 AM to 12 PM. If you have questions or need assistance, don't hesitate to call us at (812) 799-1176. At Centra, we believe that quality financial services should be available to everyone in our community. We invite you to explore what we have to offer by visiting us or checking out our website at Charlestown. Let us partner with you on your financial journey today!

Personal Banking Made Simple

We understand that managing your personal finances can be overwhelming at times. That's why we offer personal banking services including checking and savings accounts designed to help you save for your future while keeping your money safe. Imagine being able to easily track your spending and savings goals with our user-friendly online banking platform. If you're thinking about purchasing a vehicle, our auto loans and vehicle financing options make it straightforward to drive away in the car you want. With competitive rates and flexible terms, getting behind the wheel has never been easier. Plus, if you're considering buying a home or refinancing an existing mortgage, our mortgage loans come with various options to suit different budgets.

Support When You Need It

Life can throw unexpected challenges your way, which is where our personal loans and debt consolidation services come into play. We can help you consolidate debts into one manageable payment or provide funds for those unforeseen expenses. And for those who love rewards, don't forget about our credit cards with rewards, which allow you to earn while you spend. For entrepreneurs and small business owners, we provide comprehensive business banking solutions including merchant services and business loans that can help you grow your venture. Our friendly staff is always ready to assist you in navigating these options.

Digital & Online Banking

Always Available, Always Secure

Rest easy knowing that our 24/7 online banking services prioritize your security. We use advanced encryption technology to protect your information, ensuring that only you have access to your accounts. With real-time account management features, you'll always know where you stand financially. In short, Centra offers a range of digital banking options that are user-friendly, secure, and tailored to fit your busy lifestyle. Join us today and experience the convenience of modern banking at its best!

Mobile Banking Made Simple

On-the-go? No problem! Our mobile application lets you manage your accounts right from your smartphone. Whether you're paying for groceries with Mobile Payments or sending money to friends through our Person-to-Person Transfers, everything is just a tap away. You can even set up alerts so you're always in the loop about your transactions.

Financial Strength

At Centra, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength with you, as it reflects our commitment to serving your needs effectively. With a net worth of $266,708,845, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.43% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $505,411,429 in share certificates and $530,992,796 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,519,412, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $262,045,621 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is reflected in the $28,069 in used auto loans and $1,634,714,551 in total loans and leases, supporting our members' financial goals across various sectors. Our operational efficiency is evident with a net income of $5,513,547, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 414 full-time employees and 15 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Currently, we manage net shares (funds available for lending and investments) totaling $8,763,958, alongside an impressive total of 345,973 share accounts which showcase the trust that our growing member base places in us. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Centra is your trusted partner. Visit us at 1111 Market St Charlestown In 47111 or call (812) 799-1176 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $415,014,585 in used vehicle loans and $94,811,869 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, our financing options are designed to fit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $265,973,255 provide the capital needed to grow and expand. We understand the unique challenges that businesses face and are here to support you with tailored lending solutions. If you're interested in any of our loan products or want to learn about eligibility options, please don't hesitate to reach out! You can contact us at (812) 799-1176 or visit us at 1111 Market St Charlestown In 47111, Charlestown, IN. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Centra, we're committed to providing personalized service and guidance to help you make informed financial decisions.

Credit Card Loans

Managing everyday expenses is easier with our flexible unsecured credit card loans, with a total of $45,127,088 in loans available to help members navigate their finances effectively. Our credit cards come with rewards and various benefits tailored to your spending habits.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $136,621,975, make buying or refinancing simple. We offer competitive rates and terms that can make your dream of owning a home more achievable. If you already have a mortgage, consider our refinancing options to potentially lower your monthly payments or access cash for other needs.

Loan Aggregator

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers. The platform prioritizes accuracy by relying on verified data, which means you can trust the information presented.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You won't find misleading or exaggerated claims here. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every comparison reflects genuine offers available at that moment. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly. This feature helps you understand your options without delay. Thousands of users trust LendMesh for loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the reliability of this platform in helping individuals secure better financial options. Ready to explore your loan options? Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

CENTRA CREDIT UNION - Charlestown, IN

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Personal Loans

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