Centra Credit Union Edinburgh IN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Centra, your trusted financial partner located at 15701 North Us 31, Edinburgh, IN 46124. Since our establishment in 1940, we have proudly served the community with a commitment to providing reliable banking solutions tailored to meet the unique needs of our members. With a strong membership base of over 154,000, we continue to foster relationships built on trust and understanding. At Centra, we believe that financial well-being is key to a thriving community. Our total assets stand at an impressive $2,140,492,376, reflecting our solid foundation and dedication to serving you better. We currently manage $166,226,775 in deposits and have extended loans totaling 79,321, helping countless members achieve their financial goals. Our leadership team, headed by CEO Rick Silvers and Board President Randy Proffitt, is deeply committed to guiding our credit union with integrity and vision. We take pride in employing 429 individuals who are eager to assist you every step of the way. While members can visit us at our branch location for all your banking needs, official correspondence should be sent to the same address. Whether you're looking for personal banking services like checking accounts or auto loans, or business banking options including merchant services and business loans, we've got you covered. Explore our range of services at Centra or give us a call at 812-376-9979. We invite you to become part of our community-focused credit union where your financial success is our priority!

Branch History & Mission

At Centra, we take pride in our rich history and unwavering commitment to serving the community of Edinburgh, Indiana. Since opening our doors in 1940, we have grown from a small credit union into a trusted financial partner for over 154,000 members. With total assets exceeding $2.14 billion, we are dedicated to providing exceptional financial services that enhance the lives of our members. Located at 15701 North Us 31, Edinburgh, IN 46124, our branch is easily accessible for local residents. We invite you to visit us during our operating hours: Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 8:30 AM to 6:00 PM, and Saturday from 8:30 AM to 12:00 PM. We're closed on Sundays, but you can always reach us by phone at 812-376-9979 for any inquiries. Centra's mission goes beyond just banking; we aim to empower individuals and families by providing them with the tools they need for financial success. Whether it's through personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we strive to create lasting relationships with our members. Our commitment extends to community support as well we actively participate in outreach programs and partnerships that benefit local organizations and initiatives. Over the years, we've embraced advancements in technology while ensuring accessibility for all members. Our digital services include online and mobile banking, allowing you to manage your finances conveniently from anywhere. With ATM availability at our branch, you can access your funds quickly and securely. While members can visit us at 15701 North U.S. 31, official correspondence should be sent to 15701 North U.S. 31, Edinburgh, IN 46124-9000 if different from the branch address. We believe that everyone deserves a chance at financial stability and growth. At Centra, we're not just here to provide services; we're here to make a difference in the lives of our members and our community as a whole. Join us today and experience firsthand how Centra can support your financial journey! Visit Centra's website for more information on membership and services.

Branch Location & Accessibility

Accessibility Features

We understand that convenience is key when it comes to banking. Our location offers ample parking and features that ensure everyone can access our services comfortably. We are proud to be ADA compliant, with ramps available for easy entry.

Connect with Us

Have questions or want more information? Don't hesitate to reach out! You can call us at 812-376-9979. We invite you to visit us at Centra in Edinburgh where your financial wellness is our priority!

Operating Hours

At Centra, we want to accommodate your busy schedule. Our lobby hours are Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday mornings until noon. We're closed on Sundays to give our team a well-deserved break.

Services Offered

Our branch provides a wide range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. We also offer business banking solutions and online/mobile banking for added convenience. Plus, enjoy easy access to our ATM for withdrawals and balance checks.

Member Eligibility

Becoming a member of Centra means joining a welcoming community where your financial well-being is our priority. If you're looking to be part of something special, membership is open to individuals who live, work, or worship in the areas we serve, including the vibrant community around 15701 North Us 31 Edinburgh In 46124. We believe everyone deserves access to great financial products and services that empower their future. You can easily check out the specific eligibility details by visiting this link. Once you confirm your eligibility, opening an account with us is straightforward! Just head over to our account opening page at this link for all the information you need. If you have any questions or need assistance along the way, feel free to reach out at (812) 376-9979. We're here to help you take this important step toward securing a brighter financial future at Centra!

Business Banking & Commercial Services

Financing for Growth

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.

Merchant Services That Matter

In addition to loans, we offer merchant services designed to simplify transactions and enhance cash flow. Imagine processing payments seamlessly while focusing on what you do best running your business. Our services ensure you have the tools needed to accept various payment methods, making it easier for customers to engage with your brand. Located conveniently at 15701 North Us 31 Edinburgh In 46124, Edinburgh, IN, we invite you to discover how Centra can be your partner in success. Reach out today at (812) 376-9979 and let's discuss how we can help your business grow!

Comprehensive List Of Services

Business Banking Support

For our business members, we offer comprehensive business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your growth every step of the way.

Connect with Us

We invite you to visit us at our branch located at 15701 North Us 31 Edinburgh In 46124 in Edinburgh, IN. Our friendly staff is ready to assist you with any questions or concerns you may have about our services. You can also reach us by phone at (812) 376-9979 during our operating hours: Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday until noon. Explore all that Centra has to offer today! Your financial journey starts here, and we're excited to be part of it with you.

Financial Flexibility

Life can throw unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We provide tailored solutions to help you manage those costs without breaking the bank. Additionally, with our credit cards featuring rewards, you can earn points on purchases you're already making putting cash back in your pocket.

Modern Digital Banking Features

In today's fast-paced world, convenience is key. At Centra, we pride ourselves on offering robust online and mobile banking options that allow you to manage your accounts from anywhere at any time. Need cash? Our ATM services provide basic access for withdrawals and balance checks without hassle.

Personal Banking Solutions

For those just starting out or looking to improve their financial health, our personal banking options include checking and savings accounts that can help you manage your everyday expenses and grow your savings. Imagine having an account that not only fits your lifestyle but also offers features like online banking and e-statements for easy tracking. When it comes time to make a big purchase, our auto loans and vehicle financing options make it simple to get on the road with a car that suits your needs. Plus, if you're considering homeownership, our mortgage loans and refinancing services can guide you through the process, making it as smooth as possible.

Digital & Online Banking

Key Services

You can explore our comprehensive online banking options at https://www.centra.org/. With 24/7 online banking services, you can check your balance, transfer funds, and pay bills whenever it suits you. Plus, our mobile application makes it simple to stay connected with your accounts right from your smartphone.

Security and User-Friendly Features

We prioritize your security. Our electronic signature authorization ensures that your transactions are safe and secure. Additionally, you can opt for e-statements, which not only help you keep track of your finances but also reduce paper clutter making it both eco-friendly and convenient! Want to send money to a friend? Our person-to-person transfer feature allows you to easily send funds directly from your account without the hassle of cash or checks. And if you're looking for quick payment options, our mobile payments feature enables you to make purchases directly from your phone. In short, Centra is committed to providing accessible and user-friendly digital banking solutions. With our services, managing your finances is straightforward and secure, allowing you more time to focus on what truly matters in life. Experience the ease of online banking with us today!

Financial Strength

Growing Together

Total Share and Deposit Accounts stand at 345,973, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $8,763,958, further highlighting our capacity to support your needs. 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 15701 North Us 31 Edinburgh In 46124 or call (812) 376-9979 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Operational Efficiency

Our $5,513,547 reflects our operational efficiency, 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.

Reinvesting in Your Future

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 supports members' financial goals across various sectors with $28,069 in used auto loans and $1,634,714,551 in total loans and leases.

Solid Financial Health

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.

Loan Offering

At Centra, we understand that financial needs can vary greatly from person to person. Whether you're looking to buy a new car, purchase your first home, or manage everyday expenses, we offer a range of loan products designed to help you achieve your financial goals. Located at 15701 North Us 31 in Edinburgh, IN, our branch is here to provide personalized service and support. With over 79,321 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly attractive for those looking to hit the road. 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. If homeownership is on your mind, our mortgage options make it easier than ever. We provide Junior Lien 1-4 Family Residential Properties loans totaling $136,621,975, simplifying the process of buying or refinancing your home. For business owners seeking growth opportunities, our outstanding commercial loans totaling $265,973,255 can provide the capital you need to expand your operations and invest in your future. We also recognize the importance of managing everyday expenses effectively. That's why we offer flexible terms on unsecured credit card loans, with a total of $45,127,088 in loans available to help our members maintain their finances with ease. At Centra, we're committed to providing options that fit your unique situation. If you're interested in refinancing or exploring eligibility options for any of our loan products, please reach out to us at 812-376-9979 for more information. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what type of financing you need auto loans, mortgages, or credit cards Centra is here to support you every step of the way.

Loan Aggregator

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CENTRA CREDIT UNION - Edinburgh, IN

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans

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Loan rates in Edinburgh, IN (46124)

Introduction

Branch History & Mission

Branch Location & Accessibility

Accessibility Features

Connect with Us

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Financing for Growth

Merchant Services That Matter

Comprehensive List Of Services

Business Banking Support

Connect with Us

Financial Flexibility

Modern Digital Banking Features

Personal Banking Solutions

Digital & Online Banking

Key Services

Security and User-Friendly Features

Financial Strength

Growing Together

Member-Centric Savings

Operational Efficiency

Reinvesting in Your Future

Solid Financial Health

Loan Offering

Loan Aggregator

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