Credit Unions | Centra Health Credit Union Inc.

Centra Health Credit Union Inc.

Centra Health Credit Union Inc. is a NCUA insured federal credit union headquartered at 3300 Rivermont Avenue, Lynchburg, VA 24503.
It was founded in 1965 and has approximately $9 million in assets. Customers can open an account at one of its 5 branches.

Deposit Rates - April 14, 2026

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

Better.com
NMLS ID: 330511 / Updated 2026-04-14
Equal Housing Lender

Get a cash estimate in as little as 3 min — no credit hit.

One Day HELOC™: 24-hr approval, cash in 7 days.
AI shops lenders to find you the best rate.
Tap up to 90% equity — simple online process.
Fastest-growing digital HELOC lender in U.S.

Achieve Loans
NMLS ID: 1810501 / Updated 2026-04-09

Intro APR: 6.375 %
After Intro:6.375 %

Competitive rates, Pre-qualify in minutes
Mortgage Advisors standing by to help find the best solution
Flexible terms with fast funding
Minimum credit score: 600

Farmers Bank of Kansas City
NMLS ID: 613839 / Updated 2026-03-20
Equal Housing Lender

Intro APR: 6.750 %
After Intro:6.750 %

$25,000

Customized Rate Quote
24/7 Online Borrower Portal
Streamlined Online Application
Up to 100% LTV

Owning.com
NMLS ID: 2611 / Updated 2026-04-10
Equal Housing Lender

Intro APR: 6.839 %
After Intro:6.839 %

$25,000

Apply in 5 minutes, get your money in as fast as 5 days.
Digital application experience.
Funds directly to your bank account.
No in-person appraisal needed.

Rate.com
NMLS ID: 2611 / Updated 2026-04-10
Equal Housing Lender

Intro APR: 6.842 %
After Intro:6.842 %

$25,000

Nation's #2 retail mortgage lender in 2024.
Apply in 5 minutes, get your money in as fast as 5 days.
Digital application experience.
No in-person appraisal needed.

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Valley Strong Credit Union
NMLS ID: 456506 / Updated 2025-10-29
Equal Housing Lender

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Get your offer in 5 minutes and funding in as few as 5 days
Personalized banking solutions to help reach your financial goals
Up to $400K
Terms of 10,15, or 30 years

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-12-22

Intro APR: 5.990 %
After Intro:7.000 %
Intro Period: 12 months

$25,000

Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K

Spring EQ
NMLS ID: 1464945 / Updated 2026-04-14

The leader for homeowners tapping cash from their homes since 2016.

Access up to 90% of your home's equity, up to a maximum of $500,000.
FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
A fixed rate for life- no need to worry about fluctuating rates.
We make it easy - and fast - to access your cash (as little as 11 days).

Figure Home Equity Line
NMLS ID: 1717824 / Updated 2026-04-14
Equal Housing Lender

HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

Fastest way to turn home equity into cash
Flexible terms, redraw up to 100%, borrow $15k-$750k
Approval in as little as 5 minutes. Funding in as few as 5 days.
Use to consolidate debt or finance your next home project

Refi.com
NMLS ID: 1907 / Updated 2026-04-14
Equal Housing Lender

Access your home’s equity without replacing your current mortgage

Access your home’s equity without replacing your current mortgage
Put your home’s equity to work on your terms
Flexible funds for renovations, debt consolidation, or major expenses
Refi.com connects you with home equity lending specialists

Renofi
NMLS ID: 1802847 / Updated 2026-04-14

Renovating? Work with experts in renovation financing

Renovating? Work with experts in renovation financing
Borrow up to 125% on your current home value to finance renovations
Loans up to $750k with competitive rates from Credit Unions
Borrow more than a typical HELOC

CrossCountry Mortgage, LLC
NMLS ID: 3029 / Updated 2026-04-14

Unlock Your Home's Potential

Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
Unlock Your Home's Value: Discover the Power of our Online HELOC!
Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
Secure Your Future: Experience the Ease of our Fixed Home Equity Loans

Point Digital Finance
NMLS ID: Not a Lender / Updated 2026-04-14

Get up to $600k with no monthly payments, ever.

Use your funds your way
No income verification - ideal for self-employment or retirement planning
Enjoy maximum flexibility - 30 year term, no prepayment penalties
Home Equity Investments are not considered a loan in all states

Unlock Technologies, Inc.
NMLS ID: Not a Lender / Updated 2026-04-14

Get cash now in exchange for a percentage of your homes future equity.

No monthly payments or interest charges
Minimum Credit score: 500
Access up to $500k
No need to refinance

AmeriSave Mortgage Corporation
NMLS ID: 1168 / Updated 2026-04-14

Home Equity Loans & Refinance – Cash out

Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Allied Mortgage Group, Inc.
NMLS ID: 1067

0.000%

$0 Fees & Points $0 Total
0.000 Pts ($0)
$0 Fees

Competitive interest rates
No Origination fee
Soft credit pre-approvals offered

Optimum First Inc
NMLS ID: 240415

5.766%

$1,843 Fees & Points $4,971 Total
0.930 Pts ($2,976)
$1,995 Fees

On-time closing guarantee
Direct contact with your loan officer throughout
Single point of contact 7 days a week

Mortgage Lending Group LLC
NMLS ID: 1157983
License#: 1157983

5.853%

$1,868 Fees & Points $3,600 Total
0.625 Pts ($2,000)
$1,600 Fees

See today’s rates in seconds—no hassle, no pressure.
Your home. Your rate. Your fastest path to approval.
Tap for live rates—mortgages made simple.

Reliant Home Funding, Inc.
NMLS ID: 292473

5.876%

$1,868 Fees & Points $4,417 Total
0.757 Pts ($2,422)
$1,995 Fees

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding

Basis Lending, LLC
NMLS ID: 2463124

5.927%

$1,868 Fees & Points $6,314 Total
0.875 Pts ($2,800)
$3,515 Fees

Let our Licensed Experts help you make the best decisions possible.

Farmers Bank of Kansas City
NMLS ID: 613839

5.950%

$1,893 Fees & Points $2,613 Total
0.568 Pts ($1,818)
$795 Fees

Competitive rates.
Surprisingly smooth process.

iheartloan Inc.
NMLS ID: 2562839

5.960%

$1,868 Fees & Points $7,368 Total
0.625 Pts ($2,000)
$5,368 Fees

Where Heart Meets Home
Superior Rates, Unmatched Service

Pure Rate Mortgage
NMLS ID: 2578474

5.979%

$1,893 Fees & Points $3,610 Total
0.800 Pts ($2,560)
$1,050 Fees

Pure Rate equals Pure Savings
We provide real-time access to premier wholesale lenders
Delivering wholesale pricing instantly

Midwest Mortgage Lending
NMLS ID: 2262032
License#: CL-2262032

6.009%

$1,893 Fees & Points $4,650 Total
0.625 Pts ($2,000)
$2,650 Fees

live rates online at midwestmrtg.com

Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894

6.029%

$1,868 Fees & Points $9,789 Total
0.934 Pts ($2,989)
$6,800 Fees

A brand you know and trust
Quick and efficient process
Mortgage products to fit your needs

Refi.com
NMLS ID: 1907

6.066%

$1,917 Fees & Points $2,602 Total
0.813 Pts ($2,602)
$0 Fees

Lower your monthly mortgage payment with a streamlined refinance
Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals

West Capital Lending
NMLS ID: 1566096

6.108%

$1,917 Fees & Points $4,047 Total
0.860 Pts ($2,752)
$1,295 Fees

Let's CrunchtheNumbers and See if a Refinance Makes Sense for You

PenFed Credit Union
NMLS ID: 401822

6.151%

$1,919 Fees & Points $5,195 Total
1.000 Pts ($3,200)
$1,995 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
Lower your payment, get cash out, and more

Sammamish Mortgage Company
NMLS ID: 118653
License#: CL-118653

6.196%

$1,945 Fees & Points $2,805 Total
0.755 Pts ($2,416)
$389 Fees

Underwritten Pre-approvals - Close in 3 week or less

Northpointe Bank
NMLS ID: 447490

6.220%

$1,945 Fees & Points $3,238 Total
0.576 Pts ($1,843)
$1,395 Fees

Great Rates
Personal Service
FDIC insured banking institution.

Sage Home Loan Corporation
NMLS ID: 3304

6.225%

$1,945 Fees & Points $3,404 Total
0.597 Pts ($1,910)
$1,494 Fees

Your Stress-Free Pathway

Better.com
NMLS ID: 330511

6.232%

$1,945 Fees & Points $3,648 Total
0.829 Pts ($2,653)
$995 Fees

The Right Mortgage could save you Thousands!

DECO Mortgage
NMLS ID: 2561451

6.244%

$1,945 Fees & Points $4,220 Total
0.762 Pts ($2,438)
$1,782 Fees

$0 Lender Fee. Never pay lender fee's with Deco!
Same Day Pre-Qualification (As fast as 30 minutes).
Single Point of Contact: Paired with your own mortgage professional.

Allied Mortgage Group, Inc.
NMLS ID: 1067

6.323%

$1,971 Fees & Points $2,461 Total
0.769 Pts ($2,461)
$0 Fees

Streamlined Process
Expertise
Customer Service

SoFi
NMLS ID: 696891

6.513%

$1,997 Fees & Points $4,644 Total
0.984 Pts ($3,149)
$1,495 Fees

Get pre-qualified in minutes
Simple, online application
Customize your monthly payment to fit your budget

Quicken Loans
NMLS ID: 167283

Fees & Points Total
Pts ($0)
$0 Fees

Your home's value could help you save.
Turn your equity into opportunity.
Calculate your home equity loan options with lenders.

Veterans United Home Loans
NMLS ID: 1907

Fees & Points Total
Pts ($0)
$0 Fees

Refinance to lower your rate
Free up room in your budget by paying off high-interest debt
Explore 350,000+ 5-star reviews

Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

AmeriSave Mortgage Corporation
NMLS ID: 1168
License#: CL-1168

Fees & Points Total
Pts ($0)
$0 Fees

Low rates, quick quote & approval
92% of clients discover savings in
Real savings, real fast - $1100 avg monthly savings

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Overview 2026

General Credit Union Information

NCUA Insured	Yes / Federally Chartered
Charter Number	# 66937
Date Established	1965
Assets	$9.24 million
Loans	$4.95 million
Deposits	$8.84 million
Capital	$0.38 million

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Centra Health Credit Union Inc.

Deposit Rates - April 14, 2026

Featured Home Equity Rates

Featured 30-Year Fixed Mortgage Rates

Overview 2026

General Credit Union Information

Customer Reviews for Centra Health Credit Union Inc.

Branches

Centra Health Credit Union Inc. Locations

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