Centra Credit Union began when eight employees of the Cummins Engine Company came together to find a convenient place to save their hard-earned money while having access to low-cost credit. This foundational principle of "People Helping People" led to the growth of Centra Credit Union and is still at the center of who we are. As a not-for-profit financial institution, our profits go back to you in the form of cash rewards, better rates, and lower fees. When you open an account at Centra, you become one of the owners of the Credit Union. Centered Around You: that’s the Centra promise. It’s about the relationships we have with our Members and the fact that our Members are the reason for everything we do.
I give all the people working in this office a rating of 5 each. They go far and above helping me. Especially this last 10 months when it has been rough for me. I could not of done situations that came up with out any of them. They are kind and willing to help when ever possible. Thank you for having them. Signed, Rose M. Stanton
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TL
Thomas Lee
Oct 22, 2025
5.0
Best credit union in the area, and the customer service outside of the credit union with the corporate number has been phenomenal. I deal with multiple banks and always make sure to give Centra a call first.
AH
Ashley Harshaw
Sep 26, 2025
5.0
The credit union is amazing!! The employees who work there are always helpful and knowledgeable. They have helped me numerous times and have always been very supportive of my goals. I recommend Centra Credit Union for anyone who needs a financial institution that they can trust
PW
patty warner
Sep 25, 2025
5.0
Great group of ladies that work here. Very personable and happy to help with any financial need you may have. We have banked with this CU for years and have always been happy with the service and available options.
EF
Ezra Flores
Sep 19, 2025
5.0
I’ve been working with Centra Credit Union for a few years now, and they have completely changed my life. They are very generous in all aspects of the field. They helped me with different plans to make my life easier with all the great options they have. I went from having no credit to over a 700 credit score within a short period of time while providing great advice during this journey. They also have exclusive offers that can help you save on interest with an ARP as low as 4.49% with auto refinancing. If you’re looking for a great credit union that will work with you or if you’re a newcomer that’s looking for guidance, I would recommend this one without a doubt. Thank you Centra Credit Union
Frequently Asked Questions About Centra Credit Union
What are the regular business hours of Centra Credit Union?
Centra Credit Union is open Monday through Friday from 9:00 AM to 1:00 PM and then from 2:00 PM to 5:00 PM. It is closed on Saturdays and Sundays.
Where is Centra Credit Union located?
Centra Credit Union is located at 4720 Baker Street, Lakewood, NY 14750, USA.
What is the mission or core principle of Centra Credit Union?
Centra Credit Union operates on the principle of "People Helping People," focusing on returning profits to members through cash rewards, better rates, and lower fees as a not-for-profit institution.
How can I become a member of Centra Credit Union?
You can learn how to become a Centra member by visiting their membership page at https://www.centra.org/become-a-member/.
Does Centra Credit Union have accessible facilities?
Yes, Centra Credit Union has wheelchair-accessible entrances and parking.
What are Centra Credit Union's holiday hours?
Centra Credit Union is closed on several holidays including November 11, November 27, December 25, and January 1. They have shortened hours on December 24 and December 31, open from 9:00 AM to 12:00 PM.
Are there any public transportation options or nearby landmarks near Centra Credit Union?
Centra Credit Union is near several local businesses including Adecco and Elwood Staffing employment agencies, as well as Lakewood Busti Storage, providing convenient landmarks for visitors finding the location.
What recreational or leisure spots are near Centra Credit Union that I can visit?
Nearby you can visit the Jamestown Skeet & Trap Club, a sports and recreation venue, as well as The Shabby Shrub, an antique store, for leisure activities before or after your visit to the credit union.
Are there food and beverage options near Centra Credit Union?
Yes, near Centra Credit Union there is the Southern Tier Distilling Co and Southern Tier Distilling Company, which are distilleries and bars, as well as Cups and Cones Ashville, an ice cream shop.
How can I contact Centra Credit Union?
You can contact Centra Credit Union by calling their local phone number at +1 716-763-4405 or their toll-free number at +1 800-232-3642.