Centra Credit Union is a member-owned financial cooperative based in Carmel, Indiana, serving its community through a democratic structure that emphasizes member control and accountability. The organization traces its roots to the cooperative movement that prioritizes affordable financial services tailored to the needs of individuals who hold membership. Its historical development reflects broader shifts in credit union philosophy, expanding from small, local savings efforts to a more diverse set of financial offerings designed to support financial well-being for members.
Operationally, Centra Credit Union functions as a non-profit financial cooperative, pooling members’ deposits to fund loans and other services while distributing any surplus back to members in the form of member benefits. The credit union's scope includes daily banking activities, loan origination, and financial services aligned with regulatory standards governing credit unions. By adhering to cooperative principles, Centra aims to provide accessible, customer-focused service within its designated service area, prioritizing prudent management and member education as cornerstones of its operations.
Address
11711 N Pennsylvania St Suite 101, Carmel, IN 46032
Phone
(317) 84 35 380Website
centra.orgBetter than 17% of providers in Carmel
In addition to the primary service, Centra Credit Union also offers:
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Centra Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Centra Credit Union is listed as a financial service provider in Carmel, IN and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Centra Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Centra Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Centra Credit Union with other providers in Carmel and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Centra Credit Union has a rating of 3.5, which is better than 17% of providers in Carmel.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Centra Credit Union requests. It is always best to call ahead using the phone number on this page so Centra Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Centra Credit Union also offers: Credit union, ATM.