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Overview / Commentary
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 2,463rd largest credit union in the nation. It was established in 1965 and as of December of 2016, it had grown to 11 employees and 4,594 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 - YTD0.8%
Return on Equity - YTD4.83%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$43.9MM$40.8MM
LoansQ4 2016vs Q4 2015$34.3MM$28.4MM
DepositsQ4 2016vs Q4 2015$36.6MM$33.9MM
Equity CapitalQ4 2016vs Q4 2015$7.1MM$6.8MM
Loan Loss AllowanceQ4 2016vs Q4 2015$122.00K$120.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$402.00K$99.00K
Real Estate OwnedQ4 2016vs Q4 2015$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%$25-Christmas Club Account
0.50%$25-Kids Klub Account
0.50%--IRA Account
0.10%$25-Share Account

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
OTHER TIERS: 0.10% $10k+
0.50%*-$250kSuper Share Draft
OTHER TIERS: 0.01% $250k+

CENT Credit Union CD Rates

1.50%$1k-50 Month CD
1.00%$1k-36 Month CD
0.75%$1k-24 Month CD
0.50%$1k-12 Month CD

CENT Credit Union IRA Rates

1.50%$1k-50 Month IRA
1.00%$1k-36 Month IRA
0.75%$1k-24 Month IRA
0.50%$1k-12 Month IRA

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