Federal Credit Union
Centris Federal Credit Union is Nebraska’s largest credit union.
Its mission is “to be a trusted life-long financial partner with our members to assist you in achieving your
financial needs and goals.” Its vision is to be the place where everyone wants to work and belong. Membership in
the credit union gives you the privilege to improve your financial status and to be a participant in the betterment
of your community.
Membership and Location
Centris Federal Credit Union has over 68,000 members. Eligible members are those who live, work,
worship or attend school in Douglas, Sarpy, or Lincoln Counties in Nebraska or Pottawattamie County in Iowa - and
their families and relatives.
Credit Card Program
According to Centris Federal Credit Union, they “have made the Dean’s List” on creditcardconnection.org, as seen on
Suze Orman's show, CNN and more. Its VISA credit cards carries a fixed low Annual Percentage Rate (APR) of 9.9%. If
you pay your Centris Visa Card on time, the credit union will reward you by lowering your rate to 8.9% APR, after
one year of prompt payments and if your account is active. There are also no annual fees for the credit card. You
can view your account balance and past statements and make payments on-line with Centris Federal Credit Union’s
Other Loan Products and Services
Centris First Credit Union offers other loan packages that fit your budget such as:
• Home equity loans with flexible rates and repayment terms
• Auto loans at competitive rates for both new and used cars with no down payment. It offers 100% financing on used
cars with terms up to six years and your first payment is not due for 60 days.
• Loans for the purchase of a boat
• Educational loans
• Bill consolidations loans whether secured or non-secured
• Lines of credit for travel emergencies, car repairs, a special purchase, overdraft protection, and others.
Its other products include:
• Checking accounts such as Free Checking, Direct Checking, Checking Plus, RightTrack or eChecking with free
benefits such as 24-hour on-line access, telephone banking and balance alerts.
• VISA gift cards
• Savings account with a competitive rate compounded daily based on current market rates, Investor's Plus Money
Market Accounts, You Name It Club Account for special events such as a wedding, college expenses, down payment for
a new car, or for holiday expenses.
• Certificates, Individual Retirement Accounts (IRAs)
Bad Credit and No Credit History
According to Centris Federal Credit Union, its aim is to help its members achieve their financial goals and meet
their needs. This implies that it may grant credit cards to those with a bad credit history or those starting to
Most credit unions are willing to give its members with bad credit record another chance to mend their credit
standing - if they are convinced of the honest intent of the applicant to do so.
First, you have to show that you are currently taking strong steps to be on the path to good credit standing such
as - by having a regular job and by doing some saving. However, Centris Federal Credit Union may give you
stiff terms to test your resolve of wanting to repair your credit such as - a card with a higher APR, a low credit
limit, a credit card secured by your savings account or a co-signatory.
Source: Credit Cards For People With Bad Credit Rating
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