Centra Credit Union New Albany IN | Quick Personal Loans & Checking

Introduction

Welcome to Centra, your trusted financial partner right here in New Albany, Indiana! Established in 1940, we have proudly served our community for over 80 years, growing alongside you and adapting to meet your needs. Located at 2150 State St, New Albany, IN 47150, our branch is more than just a place to bank; it's a hub where relationships are built and dreams are supported. At Centra, we believe in empowering our members through exceptional service and innovative financial solutions. With a total membership of 154,408 and assets exceeding $2.14 billion, we're dedicated to providing the best for our community. Our offerings range from personal banking services like checking and savings accounts to auto loans, mortgages, and business banking solutions. While members can visit us at 2150 State St, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to give us a call at 812-850-6300. Led by CEO Rick Silvers and Board President Randy Proffitt, our team is committed to fostering a strong financial future for all of our members. Whether you're looking for a new vehicle loan among our 79,321 loans or want to explore our various deposit options totaling over $166 million, we're here to help you every step of the way. Join us today and experience the Centra difference! Visit our website at centra.org for more information or stop by during our lobby hours: Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday until noon. We look forward to serving you!

Branch History & Mission

Community First

We understand that financial services go beyond numbers; they're about people. That's why we offer various services including online and mobile banking for your convenience. Our drive-thru service makes banking even easier for those on-the-go. Plus, we ensure that everyone can access our facilities through ADA compliance measures. As part of our commitment to innovation, we embrace technology that enhances your experience like mobile payments and electronic signatures while maintaining a personal touch through customer service. Join us at Centra today! Experience firsthand how we can help you achieve your financial goals while being part of something bigger a community-focused credit union committed to making a difference in people's lives. Give us a call at 812-850-6300 or visit our website for more information on how you can become part of the Centra family!

Our Journey

Centra began with a simple mission: to provide accessible financial services that empower individuals and families. From our humble beginnings, we have evolved into a cornerstone of the local economy, providing not just banking services but also support for personal growth and community development. As we expanded our offerings over the decades from checking accounts to auto loans and mortgages we remained focused on what matters most: our members. Our branch is more than just a place for transactions; it's a hub where relationships are built. We take pride in being part of New Albany's vibrant landscape, supporting local events and initiatives that uplift our community. Whether it's through partnerships with schools or participation in local charities, Centra is dedicated to making a positive impact.

Our Mission

At Centra, our mission is clear: We strive to enhance the financial well-being of our members while fostering a sense of belonging within our community. We believe in providing personalized service that meets the unique needs of each member. Whether you're looking for assistance with budgeting or exploring options for your first home, we're here for you every step of the way. While members can visit us at 2150 State St, official correspondence should be sent to 2150 State St, New Albany, IN 47150 if different from branch operations. Our operating hours reflect our commitment to convenience: Monday through Thursday from 8:30 am to 5:00 pm, Friday until 6:00 pm, and Saturday until noon.

Branch Location & Accessibility

Call Us Anytime

Whether you have questions about our services or just want to chat about how we can assist you better, feel free to give us a call at 812-850-6300. While members can visit us at 2150 State St for all their banking needs, official correspondence should be sent to the same address. We invite you to come experience the warmth and support of Centra. Join us today and let's achieve your financial goals together!

Convenient Access and Features

At Centra, we prioritize your convenience. Our branch features ample parking and is designed to be accessible for all members, including those with mobility challenges. We're proud to offer ADA-compliant facilities and ramps to ensure everyone can visit us comfortably. For those on the go, we provide a drive-thru service that allows you to handle quick transactions without leaving your car. Plus, our ATM is available for cash withdrawals and balance inquiries at any time, giving you flexibility when you need it.

Operating Hours

We understand that life can be busy, which is why our operating hours are designed to fit your schedule. You can stop by Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and even Saturday mornings from 8:30 AM to 12:00 PM. Unfortunately, we're closed on Sundays, but our online and mobile banking services are available around the clock for your convenience!

Member Eligibility

Becoming a member of Centra feels like joining a warm and welcoming family where your financial well-being is our priority. To become part of our community, you simply need to meet a few friendly criteria. If you live, work, worship, or go to school in the areas we serve, you're already eligible! Whether you're looking to open a checking account or explore loan options, we're here to make the process straightforward and enjoyable. To find out more about eligibility details, feel free to visit our website at https://www.centra.org/membership-savings/ . If you're ready to take the next step in your financial journey, you can start the account opening process easily by visiting https://www.centra.org/apply-for-a-loan/ , or give us a call at (812) 850-6300 if you have any questions. We can't wait to welcome you to Centra at 2150 State St New Albany In 47150!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine being able to accept payments seamlessly from your customers, whether they pay with a card or mobile app. Our merchant services allow you to do just that, enhancing customer satisfaction and streamlining your operations. By choosing Centra, you're not just getting a bank; you're gaining a partner invested in your success. Visit us at 2150 State St New Albany In 47150 in New Albany, IN, or call us at (812) 850-6300 to learn more about how our business banking and commercial services can elevate your business today!

Supporting Your 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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing make it simple for you to get behind the wheel of your dream vehicle. With competitive rates and flexible terms, we help turn your vehicle dreams into reality without breaking the bank.

Business Banking Services

For entrepreneurs and business owners, we also provide comprehensive Business Banking services. From merchant services that streamline payment processing to business loans that fuel growth, we are committed to helping your business succeed.

Convenient Access

Accessing your accounts has never been easier! With our Online & Mobile Banking, you're just a click away from managing your finances anywhere, anytime. Plus, with ATM services available at our branch and throughout the network, withdrawing cash is quick and hassle-free. We also offer basic drive-thru banking for easy deposits and withdrawals without leaving your car. Our friendly staff at Centra is ready to assist you with any questions about these services or help you open an account today! Feel free to reach out at (812) 850-6300 or visit us during our operating hours: Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 8:30 AM until noon. Experience financial freedom with us at State Street where member satisfaction is always our top priority!

Credit Cards with Rewards

For those who love earning rewards while they spend, our Credit Cards with Rewards offer great benefits. You can earn points on every purchase, which can be redeemed for travel, merchandise, or cash back making every dollar spent work harder for you.

Mortgage Loans & Refinancing

If you're considering buying a home or refinancing your existing mortgage, our Mortgage Loans can guide you through the process. We offer various options to ensure you find the right loan that fits your budget and needs, making homeownership more accessible than ever.

Personal Banking Solutions

We understand that managing your finances can be challenging. That's why we offer Personal Banking, which includes checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds through online banking and mobile apps, allowing you to track your spending and savings effortlessly. Our accounts come with features like e-statements and mobile payments, making it convenient for you to manage your money on the go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our Personal Loans come in handy. Whether it's for a major purchase or consolidating debt, our loans provide the financial relief you need with manageable repayment plans.

Digital & Online Banking

Key Features

With our online banking platform, accessible at https://www.centra.org/ , you can check your account balances, transfer funds, and pay bills from the comfort of your home or on the go. We offer 24/7 online banking services, ensuring that you can manage your finances whenever it suits you. Whether it's day or night, your financial information is just a click away. Our mobile application enhances this experience even further. You can enjoy features like mobile payments, which allow you to make purchases easily with your smartphone. Plus, with the ability to send money quickly through person-to-person transfers, sharing expenses with friends or family has never been easier.

Security and Accessibility

Security is a top priority for us. Our platform supports electronic signature authorization, so you can complete transactions securely without needing to visit a branch. Additionally, we provide e-statements to help you track your spending while being environmentally friendly. Managing your accounts has never been more accessible. With our user-friendly interface, real-time account management puts you in control of your finances. From checking balances to reviewing transaction history, everything is straightforward and easy to navigate. At Centra, we're committed to making banking as convenient as possible for our members. Explore all that our digital services have to offer today!

Financial Strength

Continuous Reinvestment

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 capacity to lend is evident as we hold $28,069 in used auto loans and $1,634,714,551 in total loans and leases, supporting your financial goals across various sectors.

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 $0 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.

Strong Financial Health

With a net worth of $266,708,845, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,243 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Community Partner

Net Shares (Funds available for lending and investments): $8,763,958. Total Share Accounts: 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 2150 State St New Albany In 47150 or call (812) 850-6300 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 financing a brand-new car or a reliable used one, our loan options make it easy for you to hit the road with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $265,973,255 provide the capital needed to grow and expand. Whether you're looking to invest in equipment or need working capital for day-to-day operations, we have solutions tailored for your business. At Centra located at 2150 State St New Albany IN 47150, we're dedicated to providing exceptional service and support throughout your loan application process. If you're interested in exploring our loan products further or would like information on eligibility options and refinancing opportunities, feel free to reach out at 812-850-6300. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you navigate your financial 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 are here to guide you through the process and ensure you find a solution that meets your needs. If you're considering refinancing your current mortgage, our team can help assess your options.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. 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 various benefits designed to ease your financial journey.

Loan Aggregator

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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. By working only with legitimate financial institutions, LendMesh guarantees that users receive verified data without any hidden agendas.

CENTRA CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans