Centra Credit Union North Vernon IN | Affordable Auto Loans & Personal Banking

Introduction

At Centra, we believe that financial growth and community support go hand in hand. Since our establishment in 1940, we have proudly served the residents of North Vernon, IN and surrounding areas from our convenient location at 975 Veterans Dr, North Vernon, IN 47265. With a solid membership base of over 154,408 members and total assets reaching an impressive $2,140,492,376, we are dedicated to helping you achieve your financial goals while contributing positively to our community. Our commitment to providing personalized banking solutions is reflected in our diverse range of services, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. Whether you're looking to finance a new car or open a savings account for future plans, we're here to assist you every step of the way. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 975 Veterans Drive, North Vernon, IN 47265. Our friendly staff is ready to help you with inquiries or concerns just give us a call at 812-346-9596. Under the leadership of CEO Rick Silvers and Board President Randy Proffitt, our team of 429 employees is committed to ensuring that your experience with us is seamless and satisfying. We take pride in maintaining strong financial health with a net worth of $266,708,845 and total deposits amounting to $166,226,775. Join us at Centra as we work together toward building a brighter financial future! Visit our website at centra.org for more information about our services and how we can help you thrive. We look forward to serving you!

Branch History & Mission

Community Engagement

Our commitment extends beyond banking; it's about building strong relationships within the community. We actively participate in local events and outreach programs that align with our values and mission. By investing in our community's growth, we believe we can help create a better future for all. As you explore your options for financial services, consider joining us at Centra. Experience firsthand how we can assist you in reaching your financial goals while becoming part of a supportive community network. If you're interested in learning more or becoming a member, don't hesitate to contact us at (812) 346-9596 or visit our website at https://www.centra.org/. Together, let's build a brighter tomorrow!

Our Mission

At Centra, our mission is clear: we aim to empower our members through exceptional financial services while fostering a spirit of community support. We offer a range of services including personal checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Beyond just banking, we are committed to making a positive impact on the lives of those in our community by supporting local initiatives and partnerships. We understand that the financial landscape is continually evolving. That's why we have embraced digital advancements to make banking easier for you. With online and mobile banking options, electronic signatures, and e-statements available, managing your finances has never been more convenient. While our main focus is on providing excellent service, we recognize the importance of being accessible to everyone. We ensure that our facilities comply with ADA standards so that all members can comfortably utilize our services.

Branch Location & Accessibility

Operating Hours

We are here for you during the week with generous 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 until noon. Our doors are closed on Sundays so that our team can recharge and prepare to serve you better.

Reach Out

We're excited to help you achieve your financial goals! For questions or assistance, feel free to give us a call at 812-346-9596. Come visit us today and experience the personalized service that makes Centra stand out in the community!

Services Offered

At Centra, we offer a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, our friendly staff is ready to assist you. Need cash? We have an ATM available right on-site for quick withdrawals or balance checks. Plus, enjoy the convenience of drive-thru banking for easy deposits and simple transactions without leaving your vehicle. If you need to send any official correspondence, please address it to our mailing address at 975 Veterans Drive, North Vernon, IN 47265.

Member Eligibility

At Centra, we believe that becoming a member means joining a close-knit community that supports one another's financial goals. If you live, work, worship, or attend school in Jennings County, you're already on the path to membership! We welcome individuals from all walks of life, making it easy for you to access our range of benefits, like competitive rates on loans and personalized service. To learn more about specific eligibility criteria, feel free to visit our detailed page at https://www.centra.org/membership-savings/. Opening an account with us is straightforward and friendly. Simply head over to our account opening page at https://www.centra.org/apply-for-a-loan/, or give us a call at (812) 346-9596 if you have any questions. We're here to help you every step of the way as you embark on this exciting journey with Centra at 975 Veterans Dr, North Vernon, IN 47265. Welcome aboard!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer comprehensive merchant services that simplify payment processing. Imagine accepting credit cards effortlessly while focusing on what you do best running your business. Our services can help streamline transactions, enhance customer satisfaction, and ultimately boost your bottom line. Located at 975 Veterans Dr North Vernon In 47265 in North Vernon, IN, we're here to partner with you on your journey to success. Reach out today at (812) 346-9596 to explore how our business banking solutions can empower your vision!

Tailored Loan 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

Accessing Our Services

Located at 975 Veterans Dr North Vernon In 47265, our branch in North Vernon, IN is equipped with friendly staff ready to assist you during our convenient hours: Monday to Thursday from 8:30 am to 5:00 pm, Friday until 6:00 pm, and Saturday until noon. You can also reach us at (812) 346-9596 if you have any questions or need assistance. At Centra, we're more than just a credit union; we're your partner in financial success. Explore all that we have to offer today by visiting us online at North Vernon or stop by our branch! We look forward to serving you!

Business Banking Made Easy

For local business owners, Centra offers comprehensive Business Banking solutions. From Merchant Services that simplify payment processing to Business Loans that fuel growth, we understand what it takes to run a successful business. Our dedicated team is here to assist you every step of the way.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking platforms where you can manage accounts, transfer funds, and pay bills from anywhere at any time. Whether you're accessing an ATM for cash withdrawals or utilizing our drive-thru service for quick deposits and transactions, we've made banking accessible and straightforward.

Loans Tailored for You

If you're considering buying a new car or refinancing your home, our Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing options are designed to help you navigate these important milestones. With competitive rates and flexible terms, we make it easier for you to achieve your dreams whether it's getting behind the wheel of a new vehicle or settling into a new home. For those unexpected expenses or personal projects, our Personal Loans & Debt Consolidation services can provide the support you need to get back on track without breaking the bank. Plus, our Credit Cards with Rewards allow you to earn points on everyday purchases, making every dollar spent work harder for you.

Personal Banking Solutions

Whether you're opening your first checking account or looking to save for future goals, we have you covered with our Personal Banking services. You can choose from various Checking & Savings Accounts that fit your lifestyle. Imagine easily managing your finances online or through our mobile app while enjoying the peace of mind that comes with knowing your money is secure.

Digital & Online Banking

Key Features

Our user-friendly mobile application allows you to bank wherever you are. Need to send money to a friend? Use our person-to-person transfer feature it's fast and simple! Plus, if you prefer the ease of electronic documents, we offer electronic signature authorization for quick approvals, along with e-statements to keep your records organized and paper-free. If you're looking for a modern way to handle payments, our mobile payments feature lets you make transactions directly from your phone. It's secure and convenient perfect for those times when you don't want to carry cash. Security is a top priority for us at Centra. We use advanced technology to protect your information while making sure that banking is easy for you. Our commitment to providing safe online services means you can have peace of mind while managing your finances. In summary, whether you're checking e-statements or using our mobile app for quick payments, our digital banking options are crafted with you in mind. Join us today at https://www.centra.org/ and experience banking made easy!

Financial Strength

A Growing Membership Base

Total Share Accounts stand at 345,973, showing a strong and growing member base that trusts us with their finances. It's this trust that drives us to work harder every day for you. In summary, 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 975 Veterans Dr North Vernon In 47265 or call (812) 346-9596 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.*

Investing Back into Our Community

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 also impressive; with $28,069 in used auto loans and $1,634,714,551 in total loans and leases, we support our members' 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 strong operational efficiency is reflected in our $5,513,547 for the year. This enables us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 414 full-time employees and 15 part-time employees who are dedicated to providing excellent service at every branch.

Strong Financial Foundation

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. This solid foundation is crucial for ensuring that we can provide the loans and financial products you need when you need them. Our net worth ratio of 12.43% demonstrates a robust capital base, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This metric is essential as it shows our ability to withstand challenges and continue thriving.

Loan Offering

Additional Services

For business owners, our outstanding commercial loans totaling $265,973,255 provide the capital needed to grow and expand. We know that running a business comes with unique challenges, and we're here to support your journey toward success. If you're considering refinancing options or want to learn more about eligibility requirements for any of our loan products, please don't hesitate to reach out. Our team is ready to assist you in finding the best financial solutions tailored just for you. For more information or to start your loan application process, visit us at 975 Veterans Dr North Vernon In 47265 in North Vernon, IN, or call us at (812) 346-9596. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore your options today with Centra your trusted partner in achieving financial wellness!

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. We provide flexible terms that fit your budget, whether you're interested in financing a brand-new vehicle or a reliable used option.

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 process with competitive rates and personalized service to ensure you find the right solution for your housing needs.

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. Whether you're looking to make everyday purchases or consolidate debt, our credit cards are designed with your convenience in mind.

Loan Aggregator

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Take Action

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CENTRA CREDIT UNION - North Vernon, IN

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