Centra Credit Union Lebanon IN | Affordable Auto Loans & Checking

Introduction

Welcome to Centra, your trusted financial partner in the heart of Lebanon, IN. Located at 450 S Lebanon St, our branch has been serving the community since 1940, with a strong commitment to helping you achieve your financial goals. With over 154,408 members and total assets reaching an impressive $2,140,492,376, we pride ourselves on being a cornerstone of support for individuals and families alike. At Centra, we understand that banking is more than just numbers; it's about relationships and trust. Our dedicated team of 429 employees, led by CEO Rick Silvers and Board President Randy Proffitt, is here to provide personalized service tailored to your needs. Whether you're looking for auto loans, mortgages, or business banking solutions, our wide range of services is designed to help you thrive financially. You can feel secure knowing that we maintain a robust net worth of $266,708,845 and total deposits amounting to $166,226,775. Our focus is on empowering you with the right tools and resources for success. If you need assistance or have questions about our offerings, don't hesitate to reach out at 800-232-3642. While members can visit us at our branch address, official correspondence should be sent to the same location: 450 S Lebanon St, Lebanon, IN 46052-2548. Join us today at Centra and discover how we can work together towards a brighter financial future. Visit our website at centra.org or call us today!

Branch History & Mission

At Centra, we are proud of our rich legacy that began in 1940, when our Lebanon branch opened its doors to the community. Located at 450 S Lebanon St, Lebanon, IN 46052, we have grown from a small credit union into a thriving institution with over 154,408 members and total assets amounting to $2,140,492,376. Our story is one of commitment to service and support for our members and the surrounding community. Since our inception, Centra has evolved significantly. We have embraced new technologies while maintaining our core values of trust and community involvement. Our members benefit from a range of services designed to meet their financial needs from personal banking options like checking and savings accounts to vehicle loans and mortgages. We strive to make banking accessible and convenient, offering features such as online banking, mobile payments, and ATM access. Our mission is clear: to empower our members by providing them with the financial tools they need for success. At Centra, we believe that everyone deserves access to quality financial services that help them achieve their goals. This commitment extends beyond just numbers; it reflects our dedication to fostering a strong community through various outreach efforts and partnerships. While you can visit us at 450 S Lebanon St, official correspondence should be directed to our mailing address: 450 S Lebanon St, Lebanon, IN 46052-2548. Whether you're stopping by during our operating hours Monday through Thursday from 8:30 AM to 5 PM, Friday until 6 PM, or Saturday from 8:30 AM to 12 PM or accessing services through digital platforms, we are here for you. Centra is more than just a credit union; we are your neighbors committed to enhancing the lives of those in Lebanon and beyond. Join us today and experience the difference that comes with being part of a community-focused organization. Together, we can achieve great things! For inquiries or assistance, please call us at 800-232-3642. We invite you to explore membership options here or apply for a loan here. Welcome to Centra where your financial journey begins!

Branch Location & Accessibility

Welcome to Centra's Lebanon branch, located at 450 S Lebanon St, Lebanon, IN 46052. We are proud to serve our members with a friendly and accessible banking experience right in the heart of Boone County. Our branch is conveniently situated near popular local landmarks, making it easy for you to stop by while running errands or visiting nearby attractions. At Centra, we understand that accessibility is important. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure everyone can easily access our services. Whether you're here for personal banking or just need to make a quick ATM withdrawal yes, we have an ATM on site! you'll find everything you need in one convenient location. Our operating hours are designed to fit your busy schedule. We're open Monday through Thursday from 8:30 AM to 5 PM, extending our hours until 6 PM on Fridays for your convenience. On Saturdays, we're available from 8:30 AM to noon. Whether you prefer visiting us during the week or need to stop by on the weekend, we're here for you! For those who enjoy the ease of drive-thru banking, we offer basic drive-thru services for deposits, withdrawals, and simple transactions. If you prefer a more personal touch or have questions about our wide range of services including checking and savings accounts, auto loans, mortgages, and business banking feel free to call us at 800-232-3642. While members can visit us at 450 S Lebanon St for all their banking needs, official correspondence should be sent to the same address as our mailing address: 450 S Lebanon St, Lebanon, IN 46052-2548. We invite you to come by and explore how Centra can assist you with your financial goals. Your community credit union is just a visit away!

Member Eligibility

At Centra, becoming a member means joining a community that truly cares about your financial well-being. To be eligible, you need to live, work, or worship in the areas we serve, which is a wonderful way to connect with your neighbors and support local initiatives. Whether you're looking for personal banking solutions, auto loans, or simply want to take advantage of our friendly services, we welcome you with open arms. For more detailed eligibility criteria, feel free to check out our website at https://www.centra.org/membership-savings/. Opening an account is easy and straightforward! Just visit us at our branch located at 450 S Lebanon St Lebanon In 46052 or follow the application steps online through this link: https://www.centra.org/apply-for-a-loan/. If you have any questions or need assistance, don't hesitate to give us a call at (800) 232-3642. We're here to help you every step of the way as you embark on your journey with us!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine making transactions easier for your customers while keeping track of your sales effortlessly. Our merchant services provide you with the tools needed to accept payments seamlessly be it through cards, mobile wallets, or online payments. This means more time focusing on what you do best: running your business. Located conveniently at 450 S Lebanon St Lebanon In 46052, Lebanon, IN 46052, we're here to partner with you on your journey toward success. For personalized service and expert guidance, give us a call at (800) 232-3642. Let's build a brighter future together!

Tailored Lending Solutions

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.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, we provide comprehensive business banking services including merchant services and business loans. We understand the unique challenges of running a business, and our dedicated team is ready to support you with financing solutions that help your business thrive.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Centra, we offer robust online and mobile banking features. You can easily make transactions, check balances, and even transfer funds using our user-friendly mobile app. Need cash? Our ATM services ensure that you have access whenever you need it.

Drive-Thru & ATM Access

For those on the go, we provide basic drive-thru banking for quick deposits and withdrawals as well as convenient ATM access for balance checks and cash withdrawals right at your fingertips. We invite you to visit us at 450 S Lebanon St Lebanon In 46052 in Lebanon, IN or call us at (800) 232-3642 to learn more about how we can assist you in achieving your financial goals. At Centra, we're not just a credit union; we're your partner in building a brighter financial future!

Home Financing

Homeownership is within reach with our mortgage loans and refinancing options. Whether you're a first-time homebuyer or looking to lower your monthly payments, we have solutions tailored just for you. Picture this: moving into your dream home with manageable monthly payments that fit your lifestyle.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options are designed with you in mind. Imagine having a hassle-free way to manage your money while enjoying competitive interest rates. Our accounts come with features like online banking and e-statements, making it easy to keep track of your finances from anywhere.

Personal Loans & Credit Cards

Sometimes life throws unexpected expenses your way. That's where our personal loans for debt consolidation come into play helping you manage those costs efficiently. Plus, with our credit cards that offer rewards, you can earn points on everyday purchases while enjoying low interest rates.

Vehicle Financing

If you're planning to purchase a new car or refinance an existing auto loan, we offer flexible auto loans and vehicle financing options. With competitive rates and terms that fit your budget, getting behind the wheel has never been easier. You can apply online, and our team is here to guide you through every step.

Digital & Online Banking

Key Features

Our online banking services are available 24/7, allowing you to check balances, pay bills, and transfer money at your convenience. Simply visit https://www.centra.org/ to get started! You'll find that our online banking experience is straightforward and intuitive, making it easy to navigate through your financial needs. For those who prefer using their mobile devices, our mobile application is available for download, putting the power of banking right at your fingertips. With features like mobile payments, you can make purchases easily without the need for cash or cards. Plus, sending money to friends or family has never been simpler with our person-to-person transfer option.

Security & Accessibility

Your security is our top priority. We utilize electronic signature authorization for transactions, ensuring that your information remains protected every step of the way. Additionally, we provide e-statements to help you keep track of your finances without the clutter of paper statements. Our digital banking tools are designed not just for ease of use but also for real-time account management. Whether you're checking your balance or transferring funds on the go, you'll always have access to the information you need. With all these services combined, Centra provides a comprehensive digital banking experience that fits seamlessly into your lifestyle. Enjoy the freedom and peace of mind that comes with managing your finances digitally!

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 believe in transparency and are proud to share our financial strength, which reflects our commitment to serving you. 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 robust; with $28,069 in used auto loans and $1,634,714,551 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency shines through 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. Total Share Accounts stand at 345,973, showing a strong and growing member base that trusts us with their finances. 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 450 S Lebanon St Lebanon In 46052 or call (800) 232-3642 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 considering a brand-new model or a reliable used vehicle, our competitive rates and flexible terms make it easier than ever to drive off with your dream car.

Business Financing

For business owners, our outstanding commercial loans totaling $265,973,255 provide the capital needed to grow and expand. We understand that businesses need reliable financial partners, and we're here to support your entrepreneurial journey.

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 aim to guide you through the home-buying process with clarity and support, ensuring you understand every step along the way.

Refinancing Options

If you're considering refinancing any existing loans, we have options available that could save you money over time. Our team is ready to assist you in exploring eligibility requirements and finding the best solution for your financial needs. At Centra, we pride ourselves on being more than just a lender; we're your partner in achieving financial success. For more details on how our loan offerings can work for you, feel free to reach out at (800) 232-3642 or visit us at 450 S Lebanon St Lebanon In 46052, Lebanon, 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.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $45,127,088 in loans helping members manage their finances effectively. Our credit cards come with rewards and features tailored to help you make the most out of your spending.

Loan Aggregator

Accurate Loan 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 the offers presented are fair and transparent. Each lender included in the comparison is vetted for reliability, making it easier for users to trust the information they receive.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency and accuracy. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to find the most competitive options available. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the tool's effectiveness and commitment to user satisfaction. 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 - Lebanon, IN

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Lebanon, IN (46052)