Centra Credit Union is offering new members a substantial $600 cash bonus through their limited-time promotion that runs through the end of 2025. Here’s everything you need to know about this generous welcome offer.
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The Offer Overview
Bonus Amount: $600 cash reward
Promo Code: GET600 (required at account opening)
Promotion Period: November 1, 2025 – December 31, 2025
Qualification Window: 90 days from account opening
Bonus Payment: Around the 5th of the month following qualification period
Trending Checking Account Deal:
How to Earn Your $600 Bonus
Step 1: Open a Cashback Checking or High Interest Checking account
Step 2: Use promo code GET600 when opening your account
Step 3: Sign up for electronic statements (eStatements)
Step 4: Receive at least $500 in direct deposits monthly for two consecutive months
Account Options
Cashback Checking
- Feature: Earn unlimited cash rewards with every debit card purchase
- Best For: Active debit card users who want rewards on spending
High Interest Checking
- Feature: Tiered interest rates to grow your money
- Best For: Those who maintain higher balances and want earning potential
Trending Savings Account Deal:
Key Requirements & Timeline
Direct Deposit Requirement:
- Minimum $500 per month
- Must occur for two consecutive months
- Deposits must go to the new checking account
Important Deadlines:
- Account opening: November 1 – December 31, 2025
- Complete requirements: Within 90 days of account opening
- Bonus payment: Around 5th of month after qualification period ends
Additional Centra Benefits
Early Pay Feature:
- Get paid up to one day early with direct deposit
- Receive alerts when paycheck hits your account
- Depends on when employer submits payment file
Member Loyalty Rewards:
- All-cash rewards program
- More banking = more earning opportunities
- Ongoing benefit beyond the initial bonus
Shop & Win Program:
- Use Centra debit or credit card for purchases
- Chance to win up to $100
- Additional earning opportunity
RAKUTEN $50 SIGN UP BONUS – Click here to get it!
Membership Eligibility
Who Can Join:
- Must qualify for Centra Credit Union membership
- Cannot be current member of the credit union
- Must be new member to qualify for bonus
Geographic Service Area:
- Based in Columbus, Indiana
- Check with Centra for specific membership eligibility requirements
Important Terms & Conditions
Bonus Payment:
- Deposited into Member Loyalty Account
- Paid around 5th of month following qualification period
- Form 1099-INT issued for tax purposes
- Member responsible for any applicable taxes
Account Requirements:
- Must use promo code GET600 at opening
- eStatements enrollment required
- Account must remain open and in good standing
- Cannot combine with other offers
Direct Deposit Details:
- $500 minimum monthly for two consecutive months
- Must be legitimate direct deposits (payroll, benefits, etc.)
- Timing starts from account opening date
TRENDING DEAL:
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 2/2/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.21% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
Getting Started
Online: Open account online using promo code GET600
In-Person: Visit any Centra location and mention the promotion
Phone: Contact Centra to discuss account opening options
Required Information:
- Valid identification
- Social Security number
- Initial deposit (amount varies by account type)
- Employment/income verification for membership
Why Choose Centra Credit Union
Community Focus:
- Not-for-profit organization
- Supports local communities through donations and volunteer efforts
- Centra Foundation programs
Financial Education:
- Free, unbiased financial education through “Onward with Centra”
- Bilingual education resources available
- Commitment to member financial wellness
Digital Banking:
- Comprehensive online and mobile banking
- Account management and money transfer capabilities
- Financial wellness tracking tools
See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today
Bottom Line
This $600 bonus is one of the more generous checking account offers available, especially considering the relatively modest requirements. The $500 monthly direct deposit requirement for two months is achievable for most working individuals.
Best For:
- New members with steady income of $500+ monthly
- Those comfortable with electronic statements
- People seeking a long-term banking relationship with a credit union
- Anyone who can meet requirements within the 90-day window
Strategic Tip: The 90-day qualification window provides flexibility – you don’t need to complete the two consecutive months of direct deposits immediately, just within the 90-day period from account opening.
Contact Information:
- Routing Number: 274972883
- Address: 3801 Tupelo Drive, PO Box 789, Columbus, IN 47202
- Website: Apply online with promo code GET600
Remember to use promo code GET600 when opening your account, as this appears to be required for bonus eligibility. With the promotion ending December 31, 2025, interested applicants should act soon to take advantage of this substantial welcome bonus.
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