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Cencap Federal Credit Union

Popular Accounts at this Credit Union

0.75%1-year CD14 Month Share Certificate
0.90%Money MarketShare Money Market
0.75%1-year IRA14 Month IRA Certificate (Traditional, Roth)

Overview / Commentary
443 Franklin Ave
Hartford, CT 06114

Cencap Federal Credit Union is headquartered in HARTFORD and is the 29th largest credit union in the state of Connecticut. It is also the 2,301st largest credit union in the nation. It was established in 1950 and as of December of 2017, it had grown to 27 employees and 9,321 members at 4 locations. Cencap Federal Credit Union's savings rates are 2X the national average, but it has a C health rating.

Field of Membership Restrictions

Membership in Cencap Federal Credit Union is open to those who live, work, attend school or worship in the Hartford, Connecticut area.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Cencap Federal Credit Union has a relatively low asset base, and a negative return on assets.

Health Grade Components

NCUA #6733
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD-2.17%
Return on Equity - YTD-26.06%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$50.7MM$57.3MM
LoansQ4 2017vs Q4 2016$37.8MM$40.2MM
DepositsQ4 2017vs Q4 2016$46.2MM$51.8MM
Equity CapitalQ4 2017vs Q4 2016$4.4MM$5.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$791.00K$512.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$1.3MM$2.0MM
Real Estate OwnedQ4 2017vs Q4 2016$0$99.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cencap Federal Credit Union Savings Account Rates

1.50%--Health Savings Account
1.25%--Save to Win
0.75%--IRA Savings Account
0.75%--Roth IRA Savings Account
0.20%--Regular Shares
0.20%--Club Account

Cencap Federal Credit Union Money Market Rates

0.90%*$100k*-Share Money Market
OTHER TIERS: 0.45% $2,500 - $20k | 0.50% $20k - $50k | 0.55% $50k - $100k

Cencap Federal Credit Union CD Rates

1.25%$1k-4 Year Share Certificate
1.00%$1k-3 Year Share Certificate
0.75%$1k-14 Month Share Certificate
0.75%$1k-2 Year Share Certificate
0.75%$1k-18 Month Share Certificate
0.60%$1k-1 Year Share Certificate
0.55%$1k-9 Month Share Certificate
0.50%$1k-6 Month Share Certificate
0.45%$1k-3 Month Share Certificate

Cencap Federal Credit Union IRA Rates

1.25%$1k-4 Year IRA Certificate
1.00%$1k-3 Year IRA Certificate
0.75%$1k-14 Month IRA Certificate
0.75%$1k-2 Year IRA Certificate
0.75%$1k-18 Month IRA Certificate
0.60%$1k-1 Year IRA Certificate
0.55%$1k-9 Month IRA Certificate
0.50%$1k-6 Month IRA Certificate
0.45%$1k-3 Month IRA Certificate

Cencap Federal Credit Union Locations
Branch Office443 FRANKLIN AVeHARTFORD, CT 06114
Branch Office525 MAIN STHARTFORD, CT 06103
Corporate Office77 Hartland StEast Hartford, CT 06108
Corporate Office432 FRANKLIN AVEHARTFORD, CT 06114