Centra Credit Union – Centered Around You

As a not-for-profit financial institution, our profits go back to you in the form of cash rewards, better rates, and lower fees.

*APY=Annual Percentage Yield. A minimum deposit of $500 AND an active Centra checking account is required to receive the advertised rate. The rate is effective as of November 14, 2024. Rate is subject to change at anytime. Early withdrawal penalties may apply and could reduce earnings.

1. APR=Annual Percentage Rate. Automatic payments qualify for a 0.25% rate discount, which may result in rates as low as 4.49% APR. Automatic payments from a Centra account are not required to receive an auto loan through Centra. This offer is available for auto and motorcycles. Refinanced loans must be a new loan to Centra OR Centra loan payoffs with a minimum $2,500 new money required and six months payment history verified by existing contract. Person-to-person purchases and dealership purchases funded directly through Centra are also eligible. Indirect auto loans originated through a dealership are not eligible. No other offers, coupons, or discounts apply. This offer is valid for applications taken from September 3, 2025, through November 29, 2025, with loan closings required by December 15, 2025. Interest accrues beginning the first day the loan closes. Your repayment term begins when your first payment is due. All loans subject to credit approval. Rate will vary by the term of the loan, your credit score, age of vehicle, etc. Rates are subject to change without notice.