Featured Savings Rates
Featured Accounts

CENT Credit Union

Popular Accounts at this Credit Union

3.00%Reward CheckingHigh Yield Checking with Bonus
1.00%1-year CD12 Month Time Share Certificate
0.10%SavingsRegular Share

Overview / Commentary
25 W State St
Mason City, IA 50401

CENT Credit Union is headquartered in Mason City and is the 36th largest credit union in the state of Iowa. It is also the 2,394th largest credit union in the nation. It was established in 1965 and as of June of 2017, it had grown to 16 employees and 4,771 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

Membership in CENT Credit Union is open to the following: (1) employees and professionals in the healthcare field within a 65-mile radius of Mason City; (2) employees of the city of Mason City, Iowa; (3) employees in Cerro Gordo County; (4) employees of the Federal Government, the United States Postal Service, the United States Parcel Service and the Federal Express Co., in Butler, Cerro Gordo, Floyd, Franklin, Hancock, Mitchell, Winnebago, Worth Counties in Iowa; (5) employees of select departments of the state of Iowa and other Select Employer Groups.
See current membership details

Related Posts

18Mo CD Special 1.76% APY - 12/9/2016

If you live near Mason City, Iowa, this could be a good investment.  CENT's High Yield Checking account pays 3.00% up to $10k.


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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. CENT Credit Union has a low asset base.

Health Grade Components

NCUA #65238
Year Chartered1965
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD2.85%
Annual Interest Income$862.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$47.8MM$42.5MM
LoansQ2 2017vs Q2 2016$37.0MM$30.0MM
DepositsQ2 2017vs Q2 2016$40.4MM$35.4MM
Equity CapitalQ2 2017vs Q2 2016$7.2MM$7.0MM
Loan Loss AllowanceQ2 2017vs Q2 2016$152.00K$121.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$270.00K$133.00K
Real Estate OwnedQ2 2017vs Q2 2016$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.

CENT Credit Union Savings Account Rates

1.00%--Christmas Club
0.50%--Kids Club
0.50%--IRA Shares
0.10%$25-Regular Share

CENT Credit Union Money Market Rates

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

3.00%*-$10kHigh Yield Checking with Bonus
OTHER TIERS: 0.10% $10k+
0.50%*-$250kSuper Share Draft
OTHER TIERS: 0.01% $250k+
0.10%--High Yield Checking without Bonus

CENT Credit Union CD Rates

1.75%$1k-36 Month Time Share Certificate
1.50%$1k-24 Month Time Share Certificate
1.00%$1k-12 Month Time Share Certificate

CENT Credit Union Locations
Branch Office25 W State STMason City, IA 50401-3219