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Overview / Commentary
222 E Upham St
Marshfield, WI 54449-1543

Central City Credit Union is headquartered in Marshfield and is the 25th largest credit union in the state of Wisconsin. It is also the 905th largest credit union in the nation. It was established in 1949 and as of March of 2014, it had grown to 68 employees and 23,463 members. Central City Credit Union's savings rates are 44% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live or work in Adams, Clark, Marathon, Portage, Shawano, Waupaca, Waushara, Wood or the Township of Alma in Jackson County. Also open to those who work at CP Rail Systems or several other companies. - See Details

Reviews (1)

Customer Service

I've had an account at this credit union since i was a child, but have since changed banks because of poor customer service thoughout the organization


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Central City Credit Union had $1.93 million in non-current loans and owned real-estate with $20.39 million in equity and loan loss allowances on hand to cover it. This gives Central City Credit Union a Texas Ratio of 9.48% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Central City Credit Union experienced no significant changes from 7.52% as of March 31, 2013 to 9.48% as of March 31, 2014, resulting in a negative change of 26.19%. This indicates that the balance sheet and financial strength for Central City Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Central City Credit Union has increased its total deposits by $7.82 million, resulting in 4.27% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Central City Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Central City Credit Union has $211.57 million in assets with $20.39 million in equity, resulting in a capitalization level of 9.64%, which is above average.

Institution Statistics

NCUA #66678
Year Chartered1949
Primary Regulator
Assets and Liabilities
Assets$211.57 million
Loans$144.66 million
Deposits$190.87 million
Equity Capital$19.43 million
Loan Loss Allowance$965,000
Unbacked Noncurrent Loans$1.93 million
Real Estate Owned$0
Historic Data - March 2013
Assets$203.88 million
Equity Capital$19.35 million
Loan Loss Allowance$753,000
Unbacked Noncurrent Loans$1.93 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.28%
Return on Equity3.05%
Interest Income$1.78 million

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Central City Credit Union Savings Account Rates

0.75%--KidsCount Savings
0.75%--CUSucceed Savings
0.75%$25-Graduation Club
0.45%$100k-Share Premium Savings
0.25%$25-Seasonal Savings
0.25%--IRA Savings
0.25%$25-Holiday Club
0.25%$25-Vacation Club
0.25%--Roth IRA Savings
0.25%--CESA Savings
0.15%$25-Escrow Savings
0.10%$25-Open Savings
0.05%$25-Card Savings
0.05%$25-Health Savings Account

Central City Credit Union Money Market Rates

0.40%$100k-Money Market Checking

Central City Credit Union Checking Account Rates

0.05%$1k-Sharedraft Checking Account

Central City Credit Union CD Rates

1.36%$500-60 Month Share Certificate
1.36%$250-60 Month Youth Share Certificate
1.21%$500-48 Month Share Certificate
1.21%$250-48 Month Youth Share Certificate
1.00%$500-36 Month Share Certificate
1.00%$250-36 Month Youth Share Certificate
0.80%$500-30 Month Share Certificate
0.80%$250-30 Month Youth Share Certificate
0.70%$500-24 Month Share Certificate
0.70%$250-24 Month Youth Share Certificate
0.65%$500-18 Month Share Certificate
0.65%$250-18 Month Youth Share Certificate
0.55%$500-12 Month Share Certificate
0.55%$250-12 Month Youth Share Certificate
0.40%$500-6 Month Share Certificate
0.40%$250-6 Month Youth Share Certificate

Central City Credit Union IRA Rates

1.36%$250-60 Month IRA
1.21%$250-48 Month IRA
1.00%$250-36 Month IRA
0.80%$250-30 Month IRA
0.70%$250-24 Month IRA
0.65%$250-18 Month IRA
0.55%$250-12 Month IRA
0.40%$250-6 Month IRA

Central City Credit Union Locations
Branch Office222 E Upham StMarshfield, WI 54449-1543
Branch Office3101 Hoover RdStevens Point, WI 54481
Branch Office2331 Post RdPlover, WI 54467
Branch Office900 Illinois Ave 3rd FloorStevens Point, WI 54481