--- title: "Centric Credit Union Rates (Nov 2026): CDs to 4.30%" description: "Centric Credit Union rates today: savings & CDs up to 4.30% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Centric Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/louisiana/centric" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Centric Credit Union Rates (Nov 2026): CDs to 4.30% ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loans (0-24 Months)** auto_any_24mo | — APR | 5.750% | 24 mo | Standard | | **Auto Loans (25-36 Months)** auto_any_36mo | — APR | 6.000% | 36 mo | Standard | | **Auto Loans (37-48 Months)** auto_any_48mo | — APR | 6.250% | 48 mo | Standard | | **Auto Loans (49-60 Months)** auto_any_60mo | — APR | 6.500% | 60 mo | Standard | | **Auto Loans (61-72 Months)** auto_any_72mo | — APR | 6.750% | 72 mo | Standard | | **Auto Loans (73-84 Months)** auto_any_84mo | — APR | 7.000% | 84 mo | Standard | | **Auto Loans (85-96 Months)** auto_any_96mo | — APR | 7.500% | 96 mo | Standard | Centric Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Share Certificate Secured** personal_secured | — APR | 2.000% | — | Standard | | **Share-Secured Loan** personal_secured | — APR | 3.000% | — | Standard | | **Recreation and Other Secured Loans (0-24 Months)** personal_secured_24mo | — APR | 7.000% | 24 mo | Standard | | **Recreation and Other Secured Loans (25-36 Months)** personal_secured_36mo | — APR | 7.250% | 36 mo | Standard | | **Recreation and Other Secured Loans (37-48 Months)** personal_secured_48mo | — APR | 7.500% | 48 mo | Standard | | **Recreation and Other Secured Loans (49-60 Months)** personal_secured_60mo | — APR | 7.750% | 60 mo | Standard | | **Recreation and Other Secured Loans (61-72 Months)** personal_secured_72mo | — APR | 8.000% | 72 mo | Standard | | **Recreation and Other Secured Loans (73-84 Months)** personal_secured_84mo | — APR | 8.250% | 84 mo | Standard | | **Recreation and Other Secured Loans (85-96 Months)** personal_secured_96mo | — APR | 8.750% | 96 mo | Standard | Centric Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 38 offers | Product | Published | Rate | Term / condition | Status | | **Special B Shares** savings | — APY | 0.25% | — | Standard | | **Club Accounts Limited Access (Santa Saver, Vacation Club)** savings | — APY | 0.35% | — | Specialty offer | | **Youth Savings Age 17 & under (Kidz Saver)** savings | — APY | 0.35% | — | Eligibility restricted | | **Traditional Individual Retirement Account (IRA)** ira | — APY | 1.00% | — | Standard | | **$0 - $9,999** savings | — APY | 1.24% | — | Standard | | **$2,500 - $4,999** savings | — APY | 1.40% | — | Standard | | **$10,000 - $49,999** savings | — APY | 1.40% | — | Standard | | **$50,000 - $99,999** savings | — APY | 1.54% | — | Standard | | **$5,000 - $19,999** savings | — APY | 1.54% | — | Standard | | **$100,000 - $249,999** savings | — APY | 1.69% | — | Standard | | **$20,000+** savings | — APY | 1.69% | — | Standard | | **$250,000-$2,499,999** savings | — APY | 1.83% | — | Standard | | **$2,500,000 & Over** savings | — APY | 2.81% | — | Standard | | **Business Certificate (6 Months)** share_certificate_6mo | 3.75% APY | 3.69% | 6 mo | Eligibility restricted | | **12-Month IRA Certificate** ira_cd_12mo | 3.75% APY | 3.69% | 12 mo | Standard | | **Regular Certificate (12 Months)** cd_12mo | 3.75% APY | 3.69% | 12 mo | Standard | | **Regular Certificate (6 Months)** cd_6mo | 3.75% APY | 3.69% | 6 mo | Standard | | **Business Certificate (12 Months)** share_certificate_12mo | 3.75% APY | 3.69% | 12 mo | Eligibility restricted | | **Business Certificate (18 Months)** share_certificate_18mo | 3.85% APY | 3.78% | 18 mo | Eligibility restricted | | **18-Month IRA Certificate** ira_cd_18mo | 3.85% APY | 3.78% | 18 mo | Standard | | **Regular Certificate (18 Months)** cd_18mo | 3.85% APY | 3.78% | 18 mo | Standard | | **Business Certificate (24 Months)** share_certificate_24mo | 3.90% APY | 3.83% | 24 mo | Eligibility restricted | | **Regular Certificate (24 Months)** cd_24mo | 3.90% APY | 3.83% | 24 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 3.90% APY | 3.83% | 24 mo | Standard | | **Balances up to $50,000** savings | — APY | 3.94% | — | Standard | | **48-Month IRA Certificate** ira_cd_48mo | 4.00% APY | 3.93% | 48 mo | Standard | | **Regular Certificate (36 Months)** cd_36mo | 4.00% APY | 3.93% | 36 mo | Standard | | **Regular Certificate (48 Months)** cd_48mo | 4.00% APY | 3.93% | 48 mo | Standard | | **Regular Certificate (60 Months)** cd_60mo | 4.00% APY | 3.93% | 60 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 4.00% APY | 3.93% | 36 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | 4.00% APY | 3.93% | 60 mo | Standard | | **Business Certificate (36 Months)** share_certificate_36mo | 4.00% APY | 3.93% | 36 mo | Eligibility restricted | | **Business Certificate (48 Months)** share_certificate_48mo | 4.00% APY | 3.93% | 48 mo | Eligibility restricted | | **Business Certificate (60 Months)** share_certificate_60mo | 4.00% APY | 3.93% | 60 mo | Eligibility restricted | | **Balances up to $20,000** savings | — APY | 4.07% | — | Standard | | **15-Month IRA Certificate** ira_cd_15mo | 4.30% APY | 4.22% | 15 mo | Standard | | **Business Certificate (15 Months Special)** share_certificate_15mo | 4.30% APY | 4.22% | 15 mo | Eligibility restricted | | **Regular Certificate (15 Months Special)** cd_15mo | 4.30% APY | 4.22% | 15 mo | Standard | Centric Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.30% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/louisiana/centric) , verified from [Centric Credit Union's official website](https://www.mycentric.org/) Loading branch locator… ## About Centric Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 37.8K Assets $453.9M Founded 1937 Locations reported 9 NCUA charter 1982 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Pelican** Monroe - Hospital · Monroe · LA · 71202 About 7.4 miles away](https://rateapi.dev/credit-unions/louisiana/pelican) [**Ouachita Valley** Ouachita Valley FCU · West Monroe · LA · 71292 About 8.1 miles away](https://rateapi.dev/credit-unions/louisiana/ouachita-valley) [**Sevenfold** Sevenfold FCU-Main Office · West Monroe · LA · 71291-7511 About 8.4 miles away](https://rateapi.dev/credit-unions/louisiana/sevenfold) [**Lampco** Monroe LA · Monroe · LA · 71201-4942 About 10.8 miles away](https://rateapi.dev/credit-unions/indiana/lampco) [**La Capitol** ULM · Monroe · LA · 71209 About 12.2 miles away](https://rateapi.dev/credit-unions/louisiana/la-capitol) [**Kraftman** Kraftman Federal Credit Union - Hwy 165 Branch · Monroe · LA · 71203 About 17.2 miles away](https://rateapi.dev/credit-unions/louisiana/kraftman) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Centric Credit Union Membership eligibility from Centric Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in Bienville Parish, Madison Parish, Caldwell Parish +25 more - Location Bienville Parish, Madison Parish, Caldwell Parish, Morehouse Parish, Catahoula Parish, Natchitoches Parish, Claiborne Parish, Ouachita Parish, Concordia Parish, Red River Parish, East Carroll Parish, Richland Parish, Franklin Parish, Tensas Parish, Grant Parish, Union Parish, Jackson Parish, Webster Parish, LaSalle Parish, West Carroll Parish, Lincoln Parish, Winn Parish, Ashley County, Chicot County, Bradley County, Drew County, Calhoun County, Union County **Cost to join:** About $8 (a $3 membership fee plus a $5 minimum deposit). Verified from [Centric Credit Union's membership page](https://www.mycentric.org/about/become-a-member/) . Final membership determination is always made by the credit union. ## Work at Centric Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Centric Credit Union ranks against Louisiana peers. - See which AI assistants fetched Centric Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Louisiana - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=centric&state=louisiana&code=LA&name=Centric%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Centric Credit Union offer? Centric Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Centric Credit Union rates updated? RateAPI verifies Centric Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Centric Credit Union's rate data? Rate data is collected directly from Centric Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Centric Credit Union's best CD rate? As of November 12, 2026, Centric Credit Union offers savings and certificate (CD) yields up to 4.30% APY. ### Who can join Centric Credit Union? Community charter: live/work in Bienville Parish, Madison Parish, Caldwell Parish +25 more ## Related Rate Data Compare Centric Credit Union's rates against national credit-union benchmarks. [More Louisiana credit unions](https://rateapi.dev/credit-unions/louisiana) [Louisiana auto loan rate leaders](https://rateapi.dev/auto-loan-rates/louisiana) [Louisiana personal loan leaders](https://rateapi.dev/personal-loan-rates/louisiana) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.mycentric.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Centric Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Louisiana credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Centric Credit Union curl "https://api.rateapi.dev/credit-unions/louisiana /centric " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Centric Credit Union locations Search, filter, and browse all 9 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/louisiana/centric Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp