Centra’s live chat services will be temporarily unavailable beginning March 1, 2024, due to a Contact Center upgrade. Access to the automated chat, known as our virtual guide Sam, will also be unavailable. We anticipate launching our upgraded live chat in the second quarter of 2024. During this time, please reach out to us by calling 800-232-3642 or visiting Centra.org/contact-us. We appreciate your patience while we improve our system!

Earn up to $150 when you open a checking account1 with Centra!

For a limited time, you can earn up to $150 when you open a new Cashback Checking or High Interest Checking account! There are three levels of incentives, each with their own requirements.

To earn up to $150:

Get $502

  • Sign up for eStatements.
  • Receive $300 or more in direct deposits to your new checking account.

Get $1003

  • Sign up for eStatements.
  • Receive $300 or more in direct deposits.
  • Open $10,000 in new loans or lines of credit with Centra, or increase your average deposit balance by at least $10,000.

Get $1504

  • Sign up for eStatements.
  • Receive $300 or more in direct deposits.
  • Open $10,000 in loans or increase deposits by $10,000.
  • Have a consultation with Centra Financial Services.

The perks don’t stop there.


Learn more about the six ways to earn cash rewards.

Member Loyalty Rewards

1. Offer is available on Cashback Checking and High Interest Checking accounts only. To qualify for this offer, you must qualify for Membership with Centra. You will have 90 days from the date you open your checking account to complete qualifying activities to earn an incentive. All earned incentives will be deposited into your Member Loyalty Account within 30 days after the 90-day qualification period. 2. To earn the $50 incentive, you must have signed up for electronic statements (eStatements) and received $300.00 or more in direct deposits into your new checking account within the qualification period. Electronic statement enrollment requires an active digital banking login. 3. You can earn the $100 incentive by meeting the qualifications for the $50 incentive and also completing one of the following: opening a new loan or line of credit of at least $10,000.00, or increasing the average monthly balance in your Centra checking and savings accounts by at least $10,000.00. The final average monthly balance will be measured on the last day of the month in which the qualification period ends, and then compared to the month-to-date average balance on the day before the new checking account was opened. 4. You can earn the $150 incentive by meeting the qualifications for the $100 incentive and also meeting with a Centra Financial Services (CFS) representative to discuss your financial needs. You are not obligated to open any new accounts or services with CFS to earn your incentive. CFS is not insured by NCUA. 5. Member Loyalty Account balances up to $40,000 have an Annual Percentage Yield (APY) of 4.76% and balances $40,000.01 and greater have an APY of 4.50%. Rates are effective as of January 16, 2024, and are subject to change at any time.