Centric Credit Union Ruston LA | Best Auto Loans & Business Banking

Introduction

Welcome to Centric, your trusted partner in financial wellness, located at 1514 Eagle Drive, Ruston, LA 71270. Since our establishment in 1937, we've been dedicated to serving our community with personalized banking solutions that fit your needs. With a proud membership of 39,333 individuals and total assets exceeding $385 million, we are here to support you through every stage of your financial journey. At Centric, we understand that financial services should be as unique as you are. That's why we offer a wide range of products, from checking and savings accounts to auto loans and business financing. Our commitment goes beyond just providing services; it's about fostering relationships that empower our members. Whether you're looking for assistance with personal loans or seeking guidance on business banking, our experienced team is ready to help. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to the same address: 1514 Eagle Drive, Ruston, LA 71270-4912. Feel free to reach out at 318-251-9770 if you have any questions or need assistance. Led by CEO Troyce Parker and Board President Joseph Phillips, our team of 121 employees is passionate about making a positive impact in the community. We pride ourselves on maintaining a strong net worth of $50,333,418 and ensuring the safety of your deposits, which currently total $40,331,437. Join us today at Centric where your financial goals become our priority! Visit our website at mycentric.org for more information or stop by our branch to experience the difference firsthand. Together, let's build a brighter financial future!

Branch History & Mission

Join Us Today!

We invite you to become part of the Centric family! Experience firsthand how we prioritize your needs and help you reach your financial aspirations. Our friendly team is available during operating hours Monday through Friday from 8:00 am to 6:00 pm and Saturday from 9:00 am to 1:00 pm to assist you with any questions or services you may need. You can also reach us at (318) 251-9770. Come visit us at our branch or explore more about what we offer by visiting our website. At Centric, your future matters to us!

Our Growth Story

The Centric branch has always been about more than just numbers; it's about building relationships. Located at 1514 Eagle Drive, Ruston, LA 71270, we are proud to be a vital part of this community. Our members can also reach us for official correspondence at our mailing address: 1514 Eagle Drive, Ruston, LA 71270-4912. Our journey has seen tremendous growth, with total assets now reaching an impressive $385,404,182. This growth reflects not just our financial strength but also the trust our members place in us. We offer a wide range of services including personal banking, auto loans, mortgage options, and business banking solutions tailored to meet diverse needs.

Our Mission

At Centric, our mission is clear: to provide our members with exceptional financial services while supporting the local community. We believe that when we invest in our members' financial well-being, we strengthen the entire community. Our focus on accessibility ensures that all individuals have opportunities to achieve their financial goals. We are dedicated to making banking easier through digital advancements like online and mobile banking services. With features such as mobile payments and electronic signatures, we ensure that managing your finances is both secure and convenient. Moreover, our commitment extends beyond traditional banking. We actively engage in community outreach programs and partnerships designed to uplift those around us. Whether it's sponsoring local events or offering workshops on financial literacy, we believe in giving back because together we can make a difference.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is key for all our members. Our branch is fully ADA compliant, featuring ramps and designated parking spaces to ensure that everyone can visit us comfortably. We also have ample parking available right outside the door, making it easy for you to pop in.

Get In Touch!

Have questions or ready to come by? Give us a call at 318-251-9770; our friendly staff is here to help! We look forward to welcoming you to Centric where your financial needs are always our priority.

Nearby Landmarks

If you're ever in the area, you can find us conveniently situated near several local attractions. Just a hop away from the picturesque parks and vibrant shops of Ruston, our location is perfect for a quick banking stop during your day out.

Operating Hours

At Centric, we want to make banking work for your schedule. Our lobby hours are open from 8:00 am to 6:00 pm Monday through Friday and on Saturdays, our drive-thru is available from 9:00 am until 1:00 pm. This flexibility means you can choose a time that fits your busy life!

Services Offered

You'll find a wide range of services waiting for you here. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got what you need. Plus, enjoy the convenience of our ATM services and drive-thru banking for deposits and simple transactions. For members of partner credit unions, we also provide basic shared branch transactions right at our location. While members can visit us at 1514 Eagle Drive, official correspondence should be sent to the same address since it serves as both our branch and mailing location.

Member Eligibility

At Centric, we believe that joining our community is like stepping into a family where everyone supports one another. Becoming a member is easy and welcoming! If you live, work, or worship in our area or have a family member who is already part of our credit union, you're likely eligible for membership. We're here to provide you with a range of services designed to meet your financial needs, from checking and savings accounts to auto loans and mortgages. For detailed eligibility criteria, feel free to visit our website at . Opening an account at Centric is simple! Just give us a call at (318) 251-9770 or stop by our branch located at 1514 Eagle Drive Ruston La 71270 during our operating hours. Our friendly team is ready to assist you with the process and answer any questions you may have about becoming part of our vibrant community. We can't wait to welcome you!

Business Banking & Commercial Services

Financing Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $146 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $30,885,492, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine accepting payments effortlessly while keeping track of sales data all in one place. Our solutions ensure that you can focus on what matters most growing your business without the hassle of complicated transactions. Visit us at 1514 Eagle Drive Ruston La 71270 in Ruston, LA, or call us at (318) 251-9770 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide tailored solutions including Business Banking services such as merchant services and business loans. Whether you're starting a new venture or looking to grow an existing one, we have the resources you need to succeed.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer comprehensive Online & Mobile Banking features so you can manage your finances anytime, anywhere. With secure access to your accounts, making transfers or paying bills is just a few taps away. Plus, with our ATM and cash withdrawal services available at various locations, accessing your funds is always hassle-free. If you're on the go and prefer face-to-face service, take advantage of our Basic Drive-Thru Banking options for quick deposits or withdrawals. We also participate in Shared Branch Transactions, making it easy for members of partner credit unions to conduct their banking seamlessly with us. Whether you're stopping by for a quick transaction or seeking comprehensive financial guidance, the team at Centric is here for you every step of the way. For more information about our services or to speak with one of our representatives directly, give us a call at (318) 251-9770 today! Let us help you achieve your financial goals because at Centric, we're more than just a credit union; we're your financial partner!

Personal Banking Solutions

We understand that managing your finances can be overwhelming at times. That's why we offer Personal Banking services that include checking and savings accounts designed to help you save for what matters most. Whether you're setting aside funds for a family vacation or just looking for a safe place to store your money, our accounts come with competitive rates and easy access through online and mobile banking. Need a new car? Our Auto Loans & Vehicle Financing options make it easy for you to hit the road without breaking the bank. With flexible terms and competitive interest rates, financing your next vehicle has never been easier. If you're thinking about buying a home, our Mortgage Loans & Refinancing services will guide you through the process, ensuring you find the right mortgage that fits your budget. If unexpected expenses arise, our Personal Loans & Debt Consolidation can help you manage those costs effectively, allowing you to regain control over your finances. And don't forget about our Credit Cards with Rewards, which not only offer convenience but also allow you to earn rewards on everyday purchases.

Digital & Online Banking

Key Services Offered

With our online banking platform available at https://www.mycentric.org/ , you can check your balances, pay bills, and transfer funds with just a few clicks. Plus, our electronic signature authorization makes it simple to sign documents securely without needing to visit a branch. Need your statements? Our e-statements are readily available, allowing you to keep track of your finances without the clutter of paper. For those who prefer mobile convenience, our mobile application is here to help. You can make payments using our mobile payments feature and even send money directly to friends or family with person-to-person transfers. It's all about making banking accessible when you need it most.

Security and Accessibility

Your security is our top priority. We ensure that all transactions are protected with advanced security measures, so you can feel confident managing your money online. Plus, with 24/7 online banking services, you have real-time access to your account information whenever you want. At Centric, we aim to provide a user-friendly experience that fits into your lifestyle. Explore our digital banking options today and discover how easy it is to stay in control of your finances!

Financial Strength

Dedicated Team

We also take pride in having 117 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The trust our members place in us is reflected in our growing community of 72,270 share accounts. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Centric is your trusted partner. Visit us at 1514 Eagle Drive Ruston La 71270 or call (318) 251-9770 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $125,171,464 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $18,940,508, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Growth

With $40,715,971 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our $2,063,575 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Solid Financial Health

With a net worth of $50,333,418, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,306 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Goals

We understand the importance of lending capacity to support your financial goals. With $5,677 in used auto loans and $305,302,539 in total loans and leases, we are here to help you achieve your dreams whether it's buying a car or funding other important life events.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $108,543,684 in used vehicle loans and $37,689,760 in new vehicle loans already helping members get on the road. We make the process simple and straightforward so you can focus on what matters most driving your new vehicle.

Credit Lines and Business Loans

For those looking for flexibility in borrowing or business owners needing capital for growth and expansion, our credit lines total $83,556,881. Additionally, our outstanding commercial loans totaling $30,885,492 provide the necessary funds for businesses to thrive. At Centric, we're committed to providing personalized service and competitive rates. If you're interested in refinancing options or checking eligibility for any of our products, don't hesitate to reach out. You can contact us at 318-251-9770 during our operating hours: 8:00 AM - 6:00 PM Monday through Friday and 9:00 AM - 1:00 PM Saturday. All 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're here to help you navigate your financial journey let's get started today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Property loans totaling $7,801,530, making it easier for you to invest in your future. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, we have solutions that fit your needs.

Unsecured Credit Cards

Managing day-to-day expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $4,965,351 in loans helping members manage their finances effectively. Enjoy the freedom of having access to funds when you need them without tying up your savings.

Loan Aggregator

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Ensuring 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 commitment to sourcing ensures that every loan offer presented is not only accurate but also adheres to established regulatory standards, promoting fair and transparent offers.

CENTRIC FEDERAL CREDIT UNION