Centra Credit Union Scottsburg IN | Low Mortgage Rates & Quick Personal Loans

Introduction

At Centra, we believe that a strong community is built on trust, support, and financial empowerment. Located at 281 N Gardner St, Scottsburg, IN 47170, our branch has been serving members since 1940. Over the years, we've grown to become a pillar of support for 154,408 members, offering services designed to meet their unique financial needs. Our commitment to excellence is reflected in our impressive financial standing, with total assets reaching an astounding $2,140,492,376. We proudly manage total deposits of $166,226,775, ensuring that your hard-earned money is safe and secure with us. Whether you're looking for auto loans or business financing options, we have facilitated a total of 79,321 loans and leases to help our members achieve their goals. While members can visit us at our branch address for in-person assistance, official correspondence should be directed to the same address. Our dedicated team of 429 employees, led by CEO Rick Silvers and Board President Randy Proffitt, is here to assist you every step of the way. We understand that every member's journey is different. That's why we offer tailored services like personal banking accounts, vehicle financing options, mortgage loans, and credit cards with rewards all designed to give you the best experience possible. With a net worth of $266,708,845 and ample cash in hand at $35,807,580, we are well-equipped to meet your financial needs. So why wait? If you're ready to take control of your finances or simply want to learn more about how Centra can support you and your family's financial journey, give us a call at 812-752-3377 or visit our website at Centra. Your future starts here!

Branch History & Mission

A Legacy of Growth

Centra was founded with a mission to provide accessible financial services that empower individuals and families in Scottsburg and beyond. From our humble beginnings, we've expanded our offerings from simple savings accounts to a full suite of financial products including auto loans, mortgages, and business banking services. Throughout the years, we've adapted to meet the evolving needs of our members while maintaining our commitment to exceptional service. As technology advanced, so did we. Today, Centra offers online and mobile banking options that make it easier than ever for our members to manage their finances on-the-go. Our commitment to accessibility also includes ADA-compliant facilities and services that ensure everyone can benefit from what we offer.

Join Us

As we look toward the future, we invite you to become part of our growing family at Centra. Whether you're looking for personal banking solutions or seeking advice on your next big investment, we're here for you every step of the way. Come experience the benefits of membership with us today! For any questions or assistance, feel free to reach out at 812-752-3377 or visit us online at Centra. Together, let's build a brighter financial future!

Our Mission

At Centra, our mission is clear: we are here to enhance the lives of our members by providing personalized financial solutions and community support. We believe in not just meeting financial needs but also in giving back to the communities we serve. Our outreach efforts include local partnerships with schools and organizations that promote financial literacy and well-being. While you can visit us at our branch on Gardner Street for all your banking needs including ATM access and drive-thru services official correspondence should be sent to our mailing address at 281 N. Gardner, Scottsburg, IN 47170 if it's different from the physical location.

Branch Location & Accessibility

Contact Us

Have questions or need assistance? Don't hesitate to give us a call at 812-752-3377. Our friendly team is ready to help you with anything you might need. We invite you to stop by Centra today and experience the difference in community-focused banking!

Nearby Landmarks and Accessibility

Just a stone's throw away from the bustling downtown area, we're close to local shops and eateries, making it simple to combine your banking errands with other daily activities. Our branch offers ample parking and features such as ADA-compliant ramps for easy access. We want every member to feel welcome and supported when they visit us.

Operating Hours

At Centra, we understand that flexibility is key. Our lobby hours are designed to accommodate your busy schedule: we are open Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday mornings until noon. On Wednesdays and Saturdays, we have special hours where the lobby opens at 8:30 AM and closes at noon. We're closed on Sundays so our staff can recharge for another week of dedicated service.

Services Offered

Our branch provides a full range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans, mortgage loans, and even credit cards with rewards there's something for everyone here! Need to withdraw cash? No problem! We have an ATM available on-site for your convenience. Plus, if you're in a hurry, our drive-thru service allows you to handle basic transactions without leaving your vehicle.

Member Eligibility

Joining the family at Centra is more than just opening an account it's about becoming part of a supportive community that values your financial well-being. To become a member, you need to meet a few simple criteria. If you live, work, worship, or go to school in the area around 281 N Gardner St Scottsburg In 47170, you're already eligible! We also welcome family members of existing members. This inclusivity means that whether you're looking for personal banking services like checking and savings accounts or seeking loans for your next vehicle, Centra has something special for everyone. Getting started is easy! You can find all the details about eligibility at our website: https://www.centra.org/membership-savings/. If you're ready to take the next step, opening an account is just a click away at https://www.centra.org/apply-for-a-loan/. Should you have any questions or need assistance, don't hesitate to reach out to us at (812) 752-3377. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

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

Imagine running your business without the hassle of payment processing. Our merchant services simplify transactions, letting you focus on what you do best serving your customers. Whether you're a retail shop or a service provider, our solutions can help streamline your operations, making it easier for you to accept payments anytime and anywhere. Partner with us at Centra today to explore how our business banking and commercial services can empower your growth! For more information, give us a call at (812) 752-3377.

Comprehensive List Of Services

Accessibility Matters

Need assistance with basic transactions? Our drive-thru service allows you to make deposits and withdrawals without leaving your vehicle. For quick access to cash or account balances, our ATMs are ready when you are. At Centra, we pride ourselves on being more than just a financial institution; we're a part of this community and committed to meeting all of your banking needs with warmth and expertise. Feel free to reach out by calling us at (812) 752-3377 or visit us today at 281 N Gardner St Scottsburg In 47170 in Scottsburg, IN. Let's work together toward achieving your financial goals!

Business Banking Services

For business owners in the community, we offer robust Business Banking solutions. From merchant services that help streamline transactions to tailored business loans designed to support your growth, we're invested in helping your business succeed.

Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why we provide comprehensive Online & Mobile Banking services. You can easily manage your accounts, transfer funds, and pay bills from anywhere right from your smartphone or computer. Plus, with our ATM and cash withdrawal services available at various locations, accessing your money is always hassle-free.

Credit That Rewards You

Don't forget about our Credit Cards with Rewards, which allow you to earn points on purchases that can be redeemed for cash back, travel, or other perks. It's just one more way we put your interests first.

Home Financing Solutions

When it comes to home ownership, we offer Mortgage Loans & Refinancing options that cater to your unique situation. Our knowledgeable staff will guide you through the process, making it as simple and stress-free as possible. And if you're facing unexpected expenses or need to consolidate debt, our Personal Loans & Debt Consolidation services are available to provide the support you need.

Personal Banking Made Easy

For everyday banking, our Personal Banking services include checking and savings accounts designed to fit your lifestyle. Whether you're looking to save for a special occasion or manage your daily expenses, our accounts offer flexible options. If you're dreaming of a new car, our Auto Loans & Vehicle Financing can help make that dream a reality with competitive rates and easy application processes.

Digital & Online Banking

Key Features

Our online banking system allows you to view balances, pay bills, and transfer money with just a few clicks. Plus, with the option for electronic signature authorization, signing important documents is quick and secure. You can also opt for e-statements, which not only help reduce paper clutter but allow you to access your financial information instantly. If you're always on the go, our mobile application makes banking even more accessible. You can make mobile payments, send money through person-to-person transfers, and monitor your account from the palm of your hand. Whether you're at home or out running errands, you'll have everything you need right at your fingertips.

Security and Accessibility

We prioritize your security with features designed to keep your information safe while you bank online. Our user-friendly interface ensures that even those less familiar with technology can navigate their accounts easily. This means real-time account management is available for everyone. With all these tools combined, Centra empowers you to manage your finances confidently and efficiently. Dive into the convenience of digital banking today!

Financial Strength

Growing Member Base

We have successfully built a strong community trust with 345,973 total share accounts. This growing member base reflects our commitment to providing excellent service while maintaining a solid foundation for your financial 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 281 N Gardner St Scottsburg In 47170 or call (812) 752-3377 to learn more about how we can help you achieve your financial goals.

Member 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.

Our 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.

Reinvestment for Growth

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.

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. We know that purchasing a vehicle is a significant investment, which is why we provide options for both new and used vehicles to ensure you find what fits your budget best.

Commercial Loans

For business owners, our outstanding commercial loans totaling $265,973,255 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges and opportunities; therefore, we're here to support your entrepreneurial journey. If you're considering refinancing any of these options or would like to learn more about eligibility, don't hesitate to reach out. Our experienced team is ready to assist you in navigating your financial journey. Feel free to contact us at (812) 752-3377 or visit us at 281 N Gardner St Scottsburg In 47170, Scottsburg, 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. Let's work together towards achieving your financial aspirations!

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. Whether you're a first-time buyer or looking to refinance your existing mortgage, our team can guide you through the process with ease.

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. This product provides an excellent way to build credit while enjoying the convenience of having funds readily available for purchases.

Loan Aggregator

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CENTRA CREDIT UNION - Scottsburg, IN

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans

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