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CENT Credit Union

Popular Accounts at this Credit Union

3.00%Reward CheckingPerCENTage Share Draft 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 35th largest credit union in the state of Iowa. It is also the 2,304th largest credit union in the nation. It was established in 1965 and as of March of 2018, it had grown to 20 employees and 5,113 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

25-Month CD Special, 2.25% APY - 1/2/2018

CENT CU is offering three limited-time "Nacho Bank's" Share Certificate Specials: 13-month CD Special, 1.25% APY 18-month CD Special, 1.75% APY 25-month CD Special, 2.25% APY

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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 relatively low asset base.

Health Grade Components

NCUA #65238
Year Chartered1965
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD1.64%
Annual Interest Income$484.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$52.2MM$47.7MM
LoansQ1 2018vs Q1 2017$39.0MM$35.7MM
DepositsQ1 2018vs Q1 2017$44.6MM$40.1MM
Equity CapitalQ1 2018vs Q1 2017$7.3MM$7.2MM
Loan Loss AllowanceQ1 2018vs Q1 2017$212.00K$108.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$650.00K$261.00K
Real Estate OwnedQ1 2018vs Q1 2017$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%*-$10kPerCENTage Share Draft with Bonus
OTHER TIERS: 0.10% $10k+
0.50%*-$250kCENTsible Share Draft
OTHER TIERS: 0.01% $250k+
0.10%--PerCENTage Share Draft

CENT Credit Union CD Rates

1.75%$1k-36 Month Time Share Certificate
1.75%$1k-18 Month Time Share Certificate Special
1.50%$1k-24 Month Time Share Certificate
1.25%$1k-13 Month Time Share Certificate Special
1.00%$1k-12 Month Time Share Certificate

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

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