C

Centra Credit Union

Best ForCash Savers
FeesNone ($0 Maintenance)

Quick Summary

  • HSA savings account

The Verdict

Centra Credit Union provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.

Centra was founded on a principle of “People Helping People” and our Team Members still live by that mantra each day. We live out our mantra in many ways, one of which is fair and transparent pricing. When you bank with Centra, you will never be surprised by fees and you will have access to the most competitive rates and pricing in the market. At Centra, you can expect to work with friendly, local Team Members who truly care about you and your financial wellbeing first and foremost.

Key Features

Banking & Access

Includes debit card.

Investment Options

This provider focuses on cash savings without investment options.

Security & Insurance

Deposits are FDIC/NCUA insured for your protection.

Account Details

No minimum balance to open. no account opening fees.

Fee Analysis

Fee TypeThis ProviderIndustry AverageVerdict
Monthly Maintenance$0.00$0.69EXCELLENT
Account Opening$0.00$1.88EXCELLENT
Account Closing$0.00$1.95EXCELLENT

Industry averages calculated from 853 providers in the HSA Orbit database.

Investment Options

Savings-Only Account

Centra Credit Union currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.

Interest Rates

Standard Rates

Balance RangeAPY
$0 - $5000.75%
$500 - $1,0001.25%
$1,000 - $5,0001.50%
$5,000 - $15,0001.75%
$15,000+2.00%

Last updated: 02-13-2025

Contact Information

Address

3801 Tupelo Drive Columbus, IN 47202 Customer Service Mailing Address Centra Credit Union PO Box 789 3801 Tupelo Drive Columbus, IN 47202

Customer Service

800-232-3642

3801 Tupelo Drive Columbus, IN 47202 Customer Service Mailing Address Centra Credit Union PO Box 789 3801 Tupelo Drive Columbus, IN 47202

At a Glance

Monthly Fee$0
Investment ThresholdN/A
Interest Rate (Cash)~2.00%
Debit CardIncluded
FDIC InsuredYes

Pros & Cons

The Good

  • No monthly maintenance fees
  • No account opening or closing fees
  • FDIC/NCUA insured deposits

The Bad

  • No investment options available
  • No online banking

User Sentiment

Based on community feedback

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NegativeNeutralPositive

Sentiment data coming soon

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