Overview / Commentary
8109 Smith Rd
Beaumont, TX 77705-6108

Common Cents Credit Union is headquartered in Beaumont and is the 214th largest credit union in the state of Texas. It is also the 2,774th largest credit union in the nation. It was established in 1963 and as of December of 2018, it had grown to 17 employees and 2,946 members at 3 locations. Common Cents Credit Union's CD rates are 68% higher than the national average, but it has a C health rating.

Reviews (2)

A "Small" Local Credit Union

Posted by: KeithJ | Feb 5, 2018

I've been a member for a few months now and primarily joined to utilize their 3% Interest Kasasa Acct. I was nervous about joining such a small credit union but the extremely high interest rate was the best in the area. So far - it has worked out well and with no surprises. Will update this review if anything changes.

Not A Quality Kasasa Bank

Posted by: ajwd77 | May 26, 2014

I applied to open an account to find out they hadn't posted all of the requirements on their website and yet they collected all of my personal and transfer banking information. I would not do business with this bank, because they had zero responsibility acceptance when they waited a week to respond to my request for an account.

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. Common Cents Credit Union has a low asset base.

Health Grade Components

NCUA #15788
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD5.5%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$32.8MM$31.2MM
LoansQ4 2018vs Q4 2017$24.8MM$21.4MM
DepositsQ4 2018vs Q4 2017$27.5MM$26.9MM
Equity CapitalQ4 2018vs Q4 2017$4.1MM$3.9MM
Loan Loss AllowanceQ4 2018vs Q4 2017$194.00K$149.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$963.00K$403.00K
Real Estate OwnedQ4 2018vs Q4 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.

Common Cents Credit Union Savings Account Rates

1.00%*-$25kKasasa Saver
OTHER TIERS: 0.20% $25k+

Common Cents Credit Union Checking Account Rates

3.00%-$25kKasasa Cash
0.05%--Share Draft Checking

Common Cents Credit Union CD Rates

2.02%--30 Month CD
1.51%--12 Month CD
1.01%--6 Month CD

Common Cents Credit Union IRA Rates

2.02%--24 Month IRA
1.77%--18 Month IRA

Common Cents Credit Union Locations
Branch Office120 E LeBlanc StWinnie, TX 77665-7448
Branch Office8109 Smith RdBeaumont, TX 77705-6108
Branch Office595 Interstate 10 NBeaumont, TX 77706

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