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Centricity

4477 LAVAQUE RD, Hermantown, MN 55811
NCUA Insured2.5 (54 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1943

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

4477 LAVAQUE RD

Hermantown, MN 55811

Service Area

This credit union is located in Hermantown and serves members in the MN area. Currently serving 22,037 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.74%

Used Auto Loan

7.99%

Personal Loan

14.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MN

Lowest rates currently reported by credit unions in MN (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

2.5

54 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
janie ratatan

janie ratatan

a year ago

I have banked with Centricity for a few years now and I like banking with them. The reason I gave them four stars instead of 5 is because it is IMPOSSIBLE to get a live person on the phone. They do call you back though if you have to leave a message on some random voicemail that has nothing to do with whatever you need to talk to someone about, because pressing buttons ad infinitum is the only way to get to any voicemail.

Ryan VanPuymbrouck

Ryan VanPuymbrouck

2 years ago

If I could give Centricity Credit Union a negative 5 start review I would. I’ve been a member for 16 years now and when someone falls on hard times or falls behind they charge $30 when a transaction gets sent back even if said transaction was .99 and “Unfortunately that’s just what happens.” The turnover rate for tellers seems like it’s every other week. I highly advise anyone from banning here… you’re better off getting a loan from a loan shark or the mob you’ll be treated with more hospitality

Amy Ninteman

Amy Ninteman

2 years ago

I have only been with this bank 6 months. Today, I used my debit card at a location. It indicated it would have a 2.75 fee too which I agreed. When I reviewed my acct I noticed an additional 2.00 fee. When I contacted the bank they stated it was an additional charge on banks end. If I looked on their website it says which atms I will be charged an extra fee. 1. I was never told this when I opened my acct. 2 who has time to research every time your going to an atm whether u will be charged a fee or not. So my charges were almost 5. For using an atm. Ridiculous!!

Logen Mattsen

Logen Mattsen

5 months ago

AVOID!!!! AT ALL COSTS!!!! Had to have 2 forms of ID to cash a check drawn on an account OF THEIR CUSTOMER!! My government issued identification wasn't good enough how stupid can you be?!? And then they charged me a 1% fee of the over all total of the check!!! AVOID!!!

Mr.Treasure

Mr.Treasure

7 years ago

They're alright until you have to travel anywhere out of the USA. This is the third time I've been STRANDED in another country because of this bank, I gave them all the proper information about my travels and still every single time something goes wrong and I'm left without access to my own money !! Leaving them as soon as im home...if I can even get home because of the zero customer service I get. Outrageous.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).