CENTRICITY CREDIT UNION

Welcome to Centricity, where community and financial well-being come together! Located at 3924 Grand Ave, Duluth, MN 55807, our Denfeld Office has been serving members since 1943. With a commitment to fostering strong relationships, we pride ourselves on being more than just a credit union; we are your trusted partner in achieving financial success. At Centricity, we believe that every member deserves personalized service tailored to their unique needs. With over 22,000 members and a solid foundation of $316,468,552 in assets, our team works diligently to offer a wide range of services from checking accounts and auto loans to mortgage options and business banking solutions. Our focus on community means that when you choose us, you're not just making a financial transaction; you're joining a family dedicated to supporting your goals. While our branch address is the best place to meet us in person, please note that official correspondence can be sent to our mailing address at 4477 Lavaque Rd, Hermantown, MN 55811. This ensures you have all the details needed for seamless communication. Led by CEO Doug Ralston and Board President Margaret Taylor, our team of 102 employees is here to help you navigate your financial journey with confidence. We understand the importance of trust and reliability in banking, which is why we maintain a net worth of $39,847,353 and total deposits exceeding $25 million. Plus, with nearly $3.5 million in cash readily available for our members, you can feel secure knowing your finances are in good hands. Whether you're looking for competitive loan rates or innovative online banking solutions like mobile payments and e-statements, we're here for you every step of the way. Visit us or call us at (218) 628-2841 during our lobby hours from 8:30 AM to 5:00 PM on weekdays. Join us at Centricity today where your financial aspirations meet community spirit! For more information about membership or services, explore our website at Centricity.

Welcome to Centricity, a credit union with a rich history and a strong mission dedicated to serving the community of Duluth, Minnesota. Established in 1943, our branch has been a steadfast financial partner for generations, helping members navigate their financial journeys. Over the years, we have grown alongside our community, expanding our services and membership base to support more than 22,000 individuals today. Located at 3924 Grand Ave, Duluth, MN 55807, our branch is easily accessible for anyone in the area. Nearby landmarks like the scenic Lake Superior add to the charm of our location, making it a convenient stop for your banking needs. For official correspondence, please note that you can reach us at our mailing address: 4477 Lavaque Rd, Hermantown, MN 55811. At Centricity, we are proud of our accomplishments. With total assets exceeding $316 million, we offer a variety of financial services tailored to meet the diverse needs of our members. From personal checking and savings accounts to auto loans and mortgage refinancing, our offerings are designed with you in mind. Our operating hours from 8:30 AM to 5:00 PM ensure that you can access these services when it's most convenient for you. Our mission is simple yet profound: to empower our members through exceptional financial services while fostering community growth and support. We believe that banking should be personal and accessible. That's why we provide not only traditional banking options but also innovative digital solutions like online and mobile banking. Members can take advantage of features such as ATM access and drive-thru services for quick transactions. Beyond banking, we prioritize giving back to the community through various outreach initiatives and partnerships. We understand that by supporting local organizations and causes, we can make a meaningful impact on the lives of those around us. As we look towards the future, Centricity remains committed to enhancing your banking experience while continuing to uphold our values of trust and integrity. If you're not yet a member, we invite you to join us today! Experience firsthand how Centricity can help you achieve your financial goals while being part of a community-focused organization. For more information or inquiries about membership opportunities, feel free to call us at 218-628-2841 or visit our website at Centricity. Together, let's build a brighter financial future!

At Centricity, we believe that becoming a member is like joining a family that supports you every step of the way. If you're looking to be part of our community, you'll be glad to know that membership is open to anyone who lives, works, worships, or attends school in the Duluth area. This means that whether you're a long-time resident or new to the community, you can take advantage of all the great benefits we offer. From competitive loan rates to personalized service, being a member at Centricity truly makes a difference in your financial journey. To learn more about what it takes to become a member, feel free to visit our detailed eligibility page at https://centricity.org/about/membership/become-a-member/ . It's simple and straightforward! Once you're ready to open an account, just give us a call at (218) 628-2841, and our friendly team will guide you through the process. Join us at our branch located at 3924 Grand Ave Duluth Mn 55807, and experience the warmth and support of our credit union community!

At Centricity, we understand that managing your finances should be simple and secure, which is why we offer a comprehensive range of digital and online banking services designed to fit your lifestyle. With the convenience of 24/7 online banking, you can take control of your accounts anytime, anywhere. Whether you're checking your balance, transferring funds, or paying bills, you'll find that our online platform makes it easy and user-friendly. Explore our services at https://centricity.org/ to discover how our digital banking features can enhance your experience. Enjoy the benefits of e-statements for quick access to your account summaries without the clutter of paper statements. Plus, with electronic signature authorization, you can complete transactions securely without needing to visit a branch. Need to send money to a friend? Our person-to-person transfer feature makes it effortless. Just a few taps on your phone or clicks from your computer, and you're done! If you're on the go, our mobile application offers all the functionalities you need right in your pocket. You can even make payments using mobile payment options for added convenience. Security is always top of mind at Centricity. Our online banking platform is equipped with robust protection measures to keep your personal information safe while you manage your finances with ease. Join us today and see how our digital banking solutions provide flexibility and accessibility to help you stay on top of your financial goals!

At Centricity, 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 are proud to share insights into our financial strength, which underscores our commitment to serving you effectively. With a net worth of $39,847,353, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,259 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 $32,193,141 in share certificates and $21,219,372 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,745,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $28,923,681 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 $5,350 in used auto loans and $242,069,380 in total loans and leases, we support your financial goals across various sectors. Our operational efficiency is reflected in our $630,781, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 85 full-time employees and 17 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 41,813, 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, Centricity is your trusted partner. Visit us at 3924 Grand Ave Duluth Mn 55807 or call (218) 628-2841 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.