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The COVID-19 pandemic has created difficult financial situations for many of our Members. We’re here to help. Centra is focusing on doing everything we can to ease the financial burden on Members who have been adversely impacted by reduced work hours, temporary closings, and other challenges. 

Economic Impact Payments

The first round of deposits for the CARES Act economic impact payments may begin hitting accounts by mid-April. We want to take a moment to help you understand what this may mean for you.

If your current Centra account information is on file with the IRS from your 2018 or 2019 tax return, and you qualify for an economic impact payment, it may be direct deposited into your Centra account. If the IRS does not have account information for you, you may receive a check in the mail at a later date. Questions about if you qualify for a payment, where that payment will go, and when it will be received should all be directed to the IRS.

The IRS developed an online application to allow you to check your payment status, confirm your payment type (check or direct deposit), and enter your account information. Learn more here:

We encourage you to use Mobile Deposit. It’s quick, simple, and secure. The first $225 of your deposit will be posted the same business day if you made the deposit by 5 pm. Your full deposit will be available in no more than two business days.

Learn more about Mobile Deposit here:

Member Relief Loan

8.99% APR* – Fixed Rate

Borrow up to $2,000 with no payments due for the first six months. You can choose a loan term up to 36 months.

Please note: We are currently receiving a high volume of loan applications. We will process your application as soon as possible.

Defer Loan Payments

If you’re worried about making your next payment on a Centra loan, we have multiple payment deferral options with no service charges. These options are available on the following types of loans:

  • Auto loans
  • Boat loans
  • RV loans
  • Motorcycle loans
  • Unsecured loans
  • LoanLiners

Please call us to discuss additional options.


Overdraft Fees

We are waiving the $0.50 fee for overdraft transfers from savings accounts until further notice. This does not apply to NSF or Courtesy Pay fees.

Involuntary Unemployment Insurance Assistance

If you’ve taken advantage of the Involuntary Unemployment Insurance option on your loan, we’re ready to help you file claims and use this protection.

LoanLiners and Credit Cards

These lines of credit are always available to you. Please contact us to discuss modifications to your current line of credit.

*Annual Percentage Rate. All loans are subject to credit approval. This limited time offer is effective as of 3/20/20 and is subject to change at any time without notice. Payment example: $2,000 unsecured loan with an Annual Percentage Rate (APR) of 8.99% for 36 months would have a monthly payment of $63.59.