Featured Savings Rates
Featured Accounts

CENT Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
3.00%Reward CheckingHigh Yield Checking
0.50%1-year CD12 Month CD
0.10%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 36th largest credit union in the state of Iowa. It is also the 2,495th largest credit union in the nation. It was established in 1965 and as of September of 2016, it had grown to 11 employees and 4,683 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

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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
Employees11
Primary Regulator
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD5.88%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$42.6MM$38.6MM
LoansQ3 2016vs Q3 2015$32.6MM$26.8MM
DepositsQ3 2016vs Q3 2015$35.4MM$32.1MM
Equity CapitalQ3 2016vs Q3 2015$7.1MM$6.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$86.00K$80.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$70.00K$8.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$31.00K
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%$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

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
1.76%$1k-18 Month CD Special
1.50%$1k-50 Month CD
1.06%$1k-9 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
1.76%$1k-18 Month IRA Special
1.50%$1k-50 Month IRA
1.06%$1k-9 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