Credit Cards

The You Card

Great for those with excellent credit looking for premier cardholder perks.

• $5,000 – $30,000 credit line
• no annual fee
• 15 day grace period
• APR for purchases and cash advances: 13.50% – 18.00% variable*
• intro rate for purchases, balance transfers, & cash advances: 0% for six months from account opening¹
• rewards available: cash back or use for payments (increments of $25), merchandise, and travel

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Platinum

Designed for those who want to combine great rates with great rewards.

• $500 – $30,000 credit line
• no annual fee
• 10 day grace period
• APR for purchases and cash advances: 14.24% – 18.00% variable*
• intro rate for purchases, balance transfers, & cash advances: 3.70% for six months from account opening¹
• rewards available: gift cards, merchandise, and travel

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Secured Platinum

Perfect for anyone looking to build credit or to rebuild their finances.

• $500 – $2,000 credit line
• no annual fee
• 10 day grace period
• APR for purchases and cash advances: 14.24% – 18.00% variable*
• intro rate for purchases, balance transfers, & cash advances: none
• rewards available: gift cards, merchandise, and travel

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Contactless Cards

If your card has a wave-like symbol that looks like a sideways Wi-Fi icon on the front, that means it’s contactless! You can tap to pay with your contactless cards at participating stores. If the place you shop doesn’t accept contactless payments, insert or swipe your card!

Your Contactless Card is Safe and Secure!

Each time you tap your card, the transaction creates a one-time security code that protects your payment information. That means your card information isn’t stored by the retailer, so your card is safeguarded against data breaches.

Plus, contactless cards only work when they’re within one to two inches of the payment terminal. You can also visit your nearest Centra location to pick up an RFID blocking sleeve for an extra layer of protection.

Find A Contactless Retailer

Credit Card Terms and Conditions | Credit Card Disclosures  |  Credit Card FAQs

*APR = Annual Percentage Rate and is based on a variable loan product. All loans are subject to credit approval.

1. For the Platinum Card, the introductory promotional 3.70% APR will be in effect for the first six months from the time you open your credit card account. After the first six months, the APR is based on the Prime Rate (Index) plus a margin of Prime Plus 5.74% to 11.00% (currently 14.24% – 18.00%). For the YOU Card, the introductory promotional 0% APR will be in effect for the first six months from the time you open your credit card account. After the first six months, the APR is based on the Prime Rate (Index) plus a margin of Prime Plus 5.00% to 12.00% (currently 13.50% – 18.00%). Your APR will be calculated by adding a margin from above to the Prime Rate as currently published in the Wall Street Journal as of the 15th day of the month immediately preceding the billing cycle. Centra Credit Union may adjust the rate once each month effective the first day of the billing cycle. APR changes will reflect on the following month’s statement. The APR will never be greater than 18.00%. Any increase in the annual percentage rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, Centra Credit Union will choose a new index which is based upon comparable information. Offer subject to change at any time without notice.

2. Variable rates are subject to change; Interest rate index and any applicable margins are defined per loan contract. All loans are subject to credit approval. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.