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  2. CENT Credit Union

CENT Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
3.00%Reward CheckingHigh Yield Checking
1.83% - National Average
0.50%1-year CD12 Month Time Share Certificate
1.40% - Synchrony Bank 12 Month CDAdvertisement
0.10%SavingsRegular Share
1.20% - Synchrony Bank High Yield SavingsAdvertisement
View all CENT Credit Union rates »

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

CENT Credit Union is headquartered in Mason City and is the 36th largest credit union in the state of Iowa. It is also the 2,403rd largest credit union in the nation. It was established in 1965 and as of March of 2017, it had grown to 14 employees and 4,643 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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Health
B+

Data as of Q1 2017

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. CENT Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #65238
Year Chartered1965
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD4.44%
Annual Interest Income$416.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$47.7MM$42.4MM
LoansQ1 2017vs Q1 2016$35.7MM$28.4MM
DepositsQ1 2017vs Q1 2016$40.1MM$35.4MM
Equity CapitalQ1 2017vs Q1 2016$7.2MM$6.9MM
Loan Loss AllowanceQ1 2017vs Q1 2016$108.00K$123.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$261.00K$70.00K
Real Estate OwnedQ1 2017vs Q1 2016$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
1.00%--Christmas Club
0.50%--Kids Club
0.50%--IRA Shares
0.10%$25-Regular Share

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
3.00%*-$10kHigh Yield Checking
OTHER TIERS: 0.10% → $10k+
0.50%*-$250kSuper Share Draft
OTHER TIERS: 0.01% → $250k+

CENT Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-50 Month Time Share Certificate
1.25%$1k-15 Month Time Share Certificate Special
1.00%$1k-36 Month Time Share Certificate
0.75%$1k-24 Month Time Share Certificate
0.50%$1k-12 Month Time Share Certificate
Locations


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