Centra Blog

Increasing your Financial IQ

Exclusive offers now in digital banking


At Centra, we’re always looking for ways to provide a valuable banking experience to you and all our Members. Earlier this year, you were introduced to an easier digital experience. But, we’re always working to make sure digital banking is as valuable as it can be. That’s why we’re excited to announce a new digital banking feature: My Offers!

What are my offers?

With offers in digital banking, you can get the loan you need faster than ever before! Eligible Members are prescreened using their Member data and TransUnion credit data by doing a ‘soft credit pull.’ A soft pull does not affect a Member’s credit. The offer shows Members exactly how much they’re approved to borrow and at what rates. This lets them choose their loan amount and loan term to find the payment that works for them!

What’s the catch?

Whether it’s a new car loan or a credit card, you have to be selective in deciding what you need and how much. Members can only accept one preapproved offer every 90 day period. But you can still apply for other loans! Once you’ve accepted an offer, you may see invitations to apply for other loans, and you’ll be able to take advantage of a shorter, quicker application process.


  • Credit cards
  • Personal loans
  • Auto loans
  • RV & boat loans
  • Motorcycle loans

Where can I find my offers?

Your offers are under the new ‘Open & Apply’ menu option! Simply expand the menu and choose ‘My Offers’ to see what you’re eligible for.

Log into digital banking