CENT Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.02%	Reward Checking	High Yield Checking 1.75% - National Average
0.50%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.05%	Savings	Share Account 1.00% - Ally Bank Online Savings Account

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 36^th largest credit union in the state of Iowa. It is also the 2,487^th largest credit union in the nation. It was established in 1965 and as of June of 2016, it had grown to 10 employees and 4,617 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

CENT CU is open to healthcare professionals, employees, affiliates, and organizations within a 65-mile circumference of Mason City, Iowa as well as the employees of various site listed companies, affiliates, and associations in multiple counties throughout the state of Iowa. Membership eligibility also extends to include employees of the CU and family members of eligible as well as current members, The details of qualification and the name of locations, organizations, associations, companies and affiliated SEG's that are eligible for membership are listed on the CENT Credit Union website for determining the exact status of membership eligibility.
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Health

B+

Data as of Q2 2016

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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

Overall
NCUA #	65238
Year Chartered	1965
Employees	10
Primary Regulator

Profit Margin
Return on Assets - YTD	0.83%
Return on Equity - YTD	5.08%
Annual Interest Income	$736.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$42.5MM$38.4MM
Loans	Q2 2016vs Q2 2015	$30.0MM$25.5MM
Deposits	Q2 2016vs Q2 2015	$35.4MM$31.9MM
Equity Capital	Q2 2016vs Q2 2015	$7.0MM$6.4MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$121.00K$84.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$133.00K$39.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$31.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	-	IRA Account
0.15%	$25	-	Kids Klub Account
0.15%	$25	-	Christmas Club Account
0.05%	$25	-	Share Account

CENT Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	-	$10k	High Yield Checking
OTHER TIERS: 0.01% → $10k+
0.50%^*	-	$250k	Super Share Draft
OTHER TIERS: 0.01% → $250k+

CENT Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.65%	$1k	-	25 Month CD Special
1.50%	$1k	-	50 Month CD
1.05%	$1k	-	13 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

APY	MIN	MAX	ACCOUNT NAME
1.65%	$1k	-	25 Month IRA Special
1.50%	$1k	-	50 Month IRA
1.05%	$1k	-	13 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 Office	1341 6th St SW	Mason City, IA 50401-4815