2. Cencap Federal Credit Union

Cencap Federal Credit Union


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 33rd largest credit union in the state of Connecticut. It is also the 2,493rd largest credit union in the nation. It was established in 1950 and as of June of 2019, it had grown to 26 employees and 9,707 members at 5 locations. Cencap Federal Credit Union's money market 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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Health
C

Data as of Q2 2019

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.

Health Grade Components

Overall
NCUA #6733
Year Chartered1950
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD-0.34%
Return on Equity - YTD-4.73%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$42.9MM$52.0MM
LoansQ2 2019vs Q2 2018$35.1MM$38.1MM
DepositsQ2 2019vs Q2 2018$39.6MM$47.4MM
Equity CapitalQ2 2019vs Q2 2018$3.2MM$4.3MM
Loan Loss AllowanceQ2 2019vs Q2 2018$1.1MM$833.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$979.00K$1.0MM
Real Estate OwnedQ2 2019vs Q2 2018$0$56.00K
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
1.50%--Health Savings Account
0.75%--IRA Savings
0.20%--Regular Share
0.20%$50-Club Account

Cencap Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$100k*-Share Money Market
OTHER TIERS: 0.45% → $2.5k - $20k | 0.50% → $20k - $50k | 0.55% → $50k - $100k

Cencap Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$1k-4 Year Share Certificate
1.25%$25-12 Month Save to Win 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
0.55%$1k-1 Year Share Certificate
0.45%$1k-9 Month Share Certificate
0.35%$1k-6 Month Share Certificate
0.20%$1k-3 Month Share Certificate

Cencap Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
0.55%$1k-1 Year IRA Certificate
0.45%$1k-9 Month IRA Certificate
0.35%$1k-6 Month IRA Certificate
0.20%$1k-3 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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