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Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CENTRIC Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 14, 2026
CENTRIC's Business CD - 12 month rates are at 3.75%, Business CD - 6 month rates are at 3.75%, IRA CD - 12 month rates are at 3.75%, Regular CD - 12 month rates are at 3.75%, Regular CD - 6 month rates are at 3.75%. CENTRIC's savings rates are at 0.25%. CENTRIC's Personal Loan Rates are as low as 9.99%. MonitorBankRates evaluates the financial stability of CENTRIC with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.84%. Rates last updated and verified on 09/14/2026. CENTRIC money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CENTRIC? Share your experience about CENTRIC by leaving a review below, or read customer reviews before you decide to use CENTRIC. 
CENTRIC CD Rates
CENTRIC Savings Rates
CENTRIC Money Market Rates
CENTRIC Checking Rates
CENTRIC Personal Loan Rates
CENTRIC Other Rates
Financial Health HistoryCENTRIC’s Texas Ratio stayed near 6.42% in Q2 2023 to 6.84% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for CENTRIC is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather CENTRIC rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with CENTRIC's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
CENTRIC
Website
http://www.mycentric.org
Address
213 Expo Cir,
West Monroe, LA 71292-9414
Phone
318-340-9656
Fax
318-323-1517
President
Don Murphy, Jr.
CEO
Troyce Parker
Full-Time Employees
127
Part-Time Employees
1
Branch Locations
9
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.84%
Return on Assets (ROA)
0.1130%
Return on Equity (ROE)
0.9440%
Non-Performing Loans Ratio (NPL)
1.18%
Total Assets
453,890,252
Total Amount of Shares and Deposits
388,554,173
Total Shares and Deposits < 1 Year
365,329,108
Total Shares and Deposits 1 3 Years
22,362,114
Total Shares and Deposits > 3 Years
862,951
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
53,320,520
Total Uninsured Shares and Deposits > $250K (F+J)
56,175,226
Total Insured Shares and Deposits > $250K (item 17 less item K)
332,378,947
Total Interest Expense (Sum of items 6 8)
2,209,006
Share Certificates
2,573
Number of Accounts for Share Drafts
23,035
IRA KEOGH Accounts
742
Number of Accounts for Regular Shares
45,645
Non Member Deposits
44
Net Income (unless the amount is already included in Undivided Earnings)
512,681
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
60,858,164
Total Liabilities
404,923,671
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for CENTRIC yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for CENTRIC
Frequently Asked Questions About CENTRICHow many branches does CENTRIC operate?CENTRIC currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join CENTRIC?Yes, to access services at CENTRIC, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, CENTRIC does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, CENTRIC provides members with tools to manage their accounts and build a solid financial history. Does CENTRIC offer online and mobile banking?Most modern institutions like CENTRIC provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.mycentric.org. Current CENTRIC Rates
Retrieved from our database of financial products. Rates subject to change.
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