Cencap Federal Credit Union

Overview / Commentary
443 Franklin Ave
Hartford, CT 06114

Cencap Federal Credit Union is headquartered in HARTFORD and is the 41st largest credit union in the state of Connecticut. It is also the 2,670th largest credit union in the nation. It was established in 1950 and as of June of 2023, it had grown to 14 employees and 9,037 members at 4 locations. Cencap Federal Credit Union 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


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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 low asset base.

Health Grade Components

NCUA #6733
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD6.53%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$40.5MM$44.4MM
LoansQ2 2023vs Q2 2022$27.0MM$26.8MM
DepositsQ2 2023vs Q2 2022$37.6MM$41.5MM
Equity CapitalQ2 2023vs Q2 2022$2.6MM$2.8MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$368.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$679.00K$622.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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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

0.05%$50-Regular Share
0.05%$50-Vacation Club Account
0.05%--IRA Savings
0.05%--Health Savings Account
0.05%$50-Holiday Saving Account

Cencap Federal Credit Union Money Market Rates

0.05%$2.5k-Share Money Market

Cencap Federal Credit Union CD Rates

0.15%$1k-4 Year Share Certificate
0.10%$1k-18 Month Share Certificate
0.05%$1k-3 Month Share Certificate
0.05%$1k-6 Month Share Certificate
0.05%$1k-9 Month Share Certificate
0.05%$1k-1 Year Share Certificate
0.05%$1k-14 Month Share Certificate
0.05%$1k-2 Year Share Certificate
0.05%$1k-3 Year Share Certificate

Cencap Federal Credit Union IRA Rates

0.15%$1k-4 Year IRA Certificate
0.10%$1k-18 Month IRA Certificate
0.05%$1k-3 Month IRA Certificate
0.05%$1k-6 Month IRA Certificate
0.05%$1k-9 Month IRA Certificate
0.05%$1k-1 Year IRA Certificate
0.05%$1k-14 Month IRA Certificate
0.05%$1k-2 Year IRA Certificate
0.05%$1k-3 Year IRA Certificate

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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