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Cencap Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.cencap.com
860-722-8110
443 Franklin Ave
Hartford, CT 06114

Cencap Federal Credit Union is headquartered in HARTFORD and is the 39th largest credit union in the state of Connecticut. It is also the 2,674th largest credit union in the nation. It was established in 1950 and as of March of 2025, it had grown to 15 employees and 8,437 members at 4 locations. Cencap Federal Credit Union's CD rates are 67% higher than 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.
See current membership details

Reviews

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Health
C-

Data as of Q1 2025

Learn why bank health matters
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 low asset base, and a negative return on assets.

Health Grade Components

Overall
NCUA #6733
Year Chartered1950
Employees15
Primary Regulator
Profit Margin
Return on Assets - YTD-2.82%
Return on Equity - YTD-57.58%
Annual Interest Income$519K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$38.5MM$41.8MM
LoansQ1 2025vs Q1 2024$23.7MM$27.5MM
DepositsQ1 2025vs Q1 2024$36.6MM$39.1MM
Equity CapitalQ1 2025vs Q1 2024$1.9MM$2.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$398K$492K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$576K$717K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$50-Regular Share
0.05%$50-Vacation Club Account
0.05%$50-Holiday Saving Account

Cencap Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$2.5k*$50kShare Money Market
OTHER TIERS: 0.05% → $50k+

Cencap Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.54%$1k-3 Month Share Certificate
2.01%$1k-6 Month Share Certificate
1.76%$1k-9 Month Share Certificate
1.50%$1k-1 Year Share Certificate
0.10%$1k-2 Year Share Certificate
0.10%$1k-3 Year Share Certificate
0.10%$1k-4 Year Share Certificate
Locations


Cencap Federal Credit Union Locations
Branch Office443 FRANKLIN AVeHARTFORD, CT 06114
Corporate Office432 FRANKLIN AVEHARTFORD, CT 06114
Branch Office2775 MAIN STHARTFORD, CT 06120-1903
Branch Office215 HIGH STHARTFORD, CT 06103-1007

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