Cencap Federal Credit Union


Overview / Commentary
860-722-8110
443 Franklin Ave
Hartford, CT 06114

Cencap Federal Credit Union is headquartered in HARTFORD and is the 34th largest credit union in the state of Connecticut. It is also the 2,540th largest credit union in the nation. It was established in 1950 and as of December of 2020, it had grown to 22 employees and 10,925 members at 5 locations. Cencap Federal Credit Union's CD rates are 40% 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.
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Health
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.

Health Grade Components

Overall
NCUA #6733
Year Chartered1950
Employees22
Primary Regulator
Profit Margin
Return on Assets - YTD-0.07%
Return on Equity - YTD-1.2%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$46.6MM$40.6MM
LoansQ4 2020vs Q4 2019$30.6MM$34.3MM
DepositsQ4 2020vs Q4 2019$43.8MM$37.7MM
Equity CapitalQ4 2020vs Q4 2019$2.7MM$2.7MM
Loan Loss AllowanceQ4 2020vs Q4 2019$676.00K$1.2MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$871.00K$1.1MM
Real Estate OwnedQ4 2020vs Q4 2019$0$0
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
0.10%$50-Regular Share
0.10%$50-Vacation Club Account
0.10%--IRA Savings
0.10%--Health Savings Account

Cencap Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2.5k-Share Money Market

Cencap Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$25-12 Month Save to Win Share Certificate
0.20%$1k-4 Year Share Certificate
0.15%$1k-2 Year Share Certificate
0.15%$1k-3 Year Share Certificate
0.15%$1k-18 Month Share Certificate
0.10%$1k-3 Month Share Certificate
0.10%$1k-6 Month Share Certificate
0.10%$1k-9 Month Share Certificate
0.10%$1k-1 Year Share Certificate
0.10%$1k-14 Month Share Certificate

Cencap Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$1k-4 Year IRA Certificate
0.15%$1k-2 Year IRA Certificate
0.15%$1k-3 Year IRA Certificate
0.15%$1k-18 Month IRA Certificate
0.10%$1k-3 Month IRA Certificate
0.10%$1k-6 Month IRA Certificate
0.10%$1k-9 Month IRA Certificate
0.10%$1k-1 Year IRA Certificate
0.10%$1k-14 Month IRA Certificate
Locations


Cencap Federal Credit Union Locations
Branch Office443 FRANKLIN AVeHARTFORD, CT 06114
Corporate Office77 Hartland StEast Hartford, CT 06108
Corporate Office432 FRANKLIN AVEHARTFORD, CT 06114
Branch Office2775 MAIN STHARTFORD, CT 06120-1903
Branch Office215 HIGH STHARTFORD, CT 06103-1007

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