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Centra Credit Union

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
Introductory, 6 months3.70%CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
12.74%–18% variableCENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for balance transfersintroductory rate first3.70%CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for cash advances12.74%–18% variableCENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual feenoCENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Transaction fees
Cash advance—
Balance transfer—
Foreign transaction—
Penalty fees
Late payment—
Returned payment—
Other APRsoutside the standard boxes3.70%CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsBalance transfer · Introductory; Cash advance · Introductory; Purchase · Introductoryintro rate for purchases, balance transfers, & cash advances:CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsCash advance · Regular; Purchase · RegularAPR for purchases and cash advances:CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Purchase rewardsNot disclosed1 point per $1. See source conditions for eligible purchases.CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards conditionsPurchase rewardsPoint posting timing is not disclosed. Point expiration is not disclosed. Redemption options: gift cards, merchandise, travel. You shouldn’t have to jump through any hoops to be rewarded! That’s what we believe, anyway.  So we make it easy for you to earn great rewards by giving you points for the purchases you make every day. For every $1 you spend on purchases using your Centra Credit Card you earn 1 reward point. With CU Rewards, you can redeem your points at any time for gift cards, merchandise (brand-name electronics, jewelry, household items and more) or travel (flights, hotels, cruises, vacation packages).CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website