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Proudly Serving Union Members Since 1986

Our Story

Joining Centricity makes you a part of a local financial team.

In 1943, the people of the Hermantown community came together to create a credit union to give themselves and their neighbors a trusted, local financial solution.

Partnership with Unions

In 1986 we began serving Union Members after merging with the Building and Construction Trades Credit Union.

Today, we serve around 20,000 people. Including 6 different Unions.

We treat all people with respect and care.

Our values have remained unchanged since the beginning, we provide financial education and banking solutions to help people understand their options and make moves that have big impacts on their futures with a community and member-centric approach to banking.

Our Union Partners


Bricklayers & Allied Craftworkers
Heat & Frost Insulators
Painters & Allied Trades


Plumbers & Steamfitters
Sheet Metal Workers
Electrical Workers

Lending & Other Benefits

Centricity Credit Union is a full-service financial with local lending and decision-making on Auto Loans, Rec Vehicle Loans, Home Loans, and more. With easy-to-use online & mobile features and convenient branches in Hermantown, Duluth, and Superior.

Auto Loans

Let us help you get to your destination. Friendly service and trusted lending let you borrow with confidence, while pre-approval lets you shop smarter. Choose from terms customized to fit your financial situation.

Simplify your car shopping experience.

AutoSMART is our powerful online car shopping tool that lets you search through millions of cars across the country…or across the street, from any device, anywhere, at any time.

Rec Vehicle Loans

Turn your hard work into better weekends. Our recreational vehicle loans help you afford every kind of vehicle: boats, motor homes, trailers, motorcycles, snowmobiles, and ATVs. Local lending and customizable terms help you get a loan for your budget and a vehicle for your lifestyle.

More Lending Options...

Home Mortgage

We’re here for anything from your first home to refinancing or even a vacation property.

Personal Loans

We’re here for anything from your first home to refinancing or even a vacation property.

Land Loans

Find land that feels just right to you, and we’ll help you secure the financing.

Home Equity Loans & HELOC

Let’s figure out how to make the most of your home.

Home Improvement Loans

Buying-Power for Home Improvements

Construction Loans

Make Your Own Space

Centric Checking

An account designed for real life

Check your balance from your phone at the gas station and pay bills while you wait in line at the grocery store. Get the account that brings us to you, wherever you’re at.

  • Instant Issue Debit Cards
  • Samsung/Apply Pay
  • Contactless Cards

uChoose Rewards Debit Card

You’re Never Too Old for Prizes

Choose Rewards offers you extra prizes and free stuff, just for making purchases with your Debit Card. Redeem points for all kinds of products, events, experiences, and vacations.

  • Earn points on debit purchases
  • Extra points with qualifying retailers
  • Redeem for products, gift cards, and more!

Online & Mobile Banking

With Online and Mobile Banking, we’re open whenever you need us. Do many of the things you’d do at a Centricity Credit Union Branch, all from your phone! Check balances, get e-statements, transfer money, and pay bills and people. All from a single online experience that puts you back in control of your finances. Our mobile app for iPhone and Android lets you view balances, transfer funds, and pay bills all from your phone!

 Download the app!

Remote Deposit Capture
Deposit checks anytime, anywhere.

A fast and easy way to deposit checks from your camera-equipped smartphone.

Your money moves easier.

Pay bills and people through an intuitive online system. With bill pay and Zelle®, moving your money around is easier and more secure.

A better way to get your data.

Help us make banking eco-friendly by reducing paper waste. E-statements are a safer, faster, and easier way for us to keep you informed about your accounts.

  • Quickly check your balance, get account info, and make financial transactions.


  • Only the notifications you want.

    Get alerts on your phone when your balance drops below a specified amount, when a check clears, or when a deposit is made. Pick the alerts you want to only hear about the things you care about.

  • Get your balance with a text.

    Sometimes you need a quick answer and don’t want to sign in to an app or pull up your web browser. Receive immediate account data by sending us a text instead.

    Text Banking Instructions
    Using any mobile device with text capabilities, you can send a text command to 25215 and receive the requested information within seconds.* You must enroll through online banking to get started.

    Members without a smart phone are still able to access their account using SMS text message alerts! By sending text commands (such as BAL) from the SMS-enabled phone, members can inquire about basic account balances and transaction history information.

    To start receiving these messages:

    1. Sign into Online Banking
    2. Click on the Self-Service tab
    3. Click Mobile Money
    4. Click Sign-Up, then read and agree to the Terms and Conditions
    5. Under Other Services, check the box next to Text Messaging
    6. Select your time zone and pick which accounts you want to have access to
    7. Enter the mobile phone number that will be linked and click Continue
    8. Follow the text message activation steps to finalize SMS messaging set-up


    The most popular text commands include:

    • Text BAL to view all Text Banking available account balances
    • Text BAL + “account nickname” for the available balance for that account
    • Text HIST for recent transactions for your default account
    • Text HIST + “account nickname” to receive transaction history for another account
    • Text LOC + Zip or City to find nearby branches and ATM locations
    • Text NICK for all of your account nicknames
    • Text STOP to discontinue Text Banking alerts
    • Text HELP for assistance
    • Text CMD for a list of all Text Banking Commands

Find the Nearest Branch

We would love to see you at any of our convenient locations.

Find the closest branch to you and stop in!


40,000 National Surcharge-free ATMs

To find one near you, select an option below and download the free mobile app.


Go to MoneyPass Locator

Find a MoneyPass® ATM


View a full list of Holiday Closures