Featured Savings Rates
Featured Accounts

CENT Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.02%Reward CheckingHigh Yield Checking
0.50%1-year CD12 Month CD
0.05%SavingsShare Account

Overview / Commentary
641-428-7361
1341 6th St SW
Mason City, IA 50401-4815

CENT Credit Union is headquartered in Mason City and is the 35th largest credit union in the state of Iowa. It is also the 2,503rd largest credit union in the nation. It was established in 1965 and as of March of 2016, it had grown to 12 employees and 4,623 members at 1 location. CENT Credit Union's money market rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

CENT CU is open to healthcare professionals, employees, affiliates, and organizations within a 65-mile circumference of Mason City, Iowa as well as the employees of various site listed companies, affiliates, and associations in multiple counties throughout the state of Iowa. Membership eligibility also extends to include employees of the CU and family members of eligible as well as current members, The details of qualification and the name of locations, organizations, associations, companies and affiliated SEG's that are eligible for membership are listed on the CENT Credit Union website for determining the exact status of membership eligibility.
See current membership details

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Health
B+
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. CENT Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #65238
Year Chartered1965
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD5.92%
Annual Interest Income$366.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$42.4MM$39.3MM
LoansQ1 2016vs Q1 2015$28.4MM$24.7MM
DepositsQ1 2016vs Q1 2015$35.4MM$32.9MM
Equity CapitalQ1 2016vs Q1 2015$6.9MM$6.3MM
Loan Loss AllowanceQ1 2016vs Q1 2015$123.00K$84.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$70.00K$32.00K
Real Estate OwnedQ1 2016vs Q1 2015$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.

CENT Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--IRA Account
0.15%$25-Kids Klub Account
0.15%$25-Christmas Club Account
0.05%$25-Share Account

CENT Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$200k*-COIN Money Market
OTHER TIERS: 0.10% Up to $25k | 0.25% $25k - $50k | 0.50% $50k - $100k | 0.75% $100k - $200k

CENT Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*-$10kHigh Yield Checking
OTHER TIERS: 0.01% $10k+
0.50%*-$250kSuper Share Draft
OTHER TIERS: 0.01% $250k+

CENT Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.65%$1k-25 Month CD Special
1.50%$1k-50 Month CD
1.05%$1k-13 Month CD Special
1.00%$1k-36 Month CD
0.75%$1k-24 Month CD
0.50%$1k-12 Month CD

CENT Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.65%$1k-25 Month IRA Special
1.50%$1k-50 Month IRA
1.05%$1k-13 Month IRA Special
1.00%$1k-36 Month IRA
0.75%$1k-24 Month IRA
0.50%$1k-12 Month IRA
Locations


CENT Credit Union Locations
Branch Office1341 6th St SWMason City, IA 50401-4815