Common Cents Credit Union


Overview / Commentary
409-842-5233
8109 Smith Rd
Beaumont, TX 77705

Common Cents Credit Union is headquartered in Beaumont and is the 211th largest credit union in the state of Texas. It is also the 2,731st largest credit union in the nation. It was established in 1963 and as of December of 2019, it had grown to 16 employees and 3,311 members at 3 locations. Common Cents Credit Union's CD rates are 68% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in CommonCents Credit Union is open to individuals who live, work, worship, or attend school in Jefferson or Chambers County, Texas. Immediate family members of a current CommonCents Credit Union member are also eligible to join
See current membership details

Related Posts

Kasasa Cash, 3% Up To $25K - 5/22/2020

Field of membership includes residents of Jefferson and Chambers Counties in Texas. Have at least 12 debit card purchases over $10.00 post and settle Be enrolled and receive e-statement notice Be enrolled and log into online banking Have at least 1 automatic payment, ACH debit or credit, or Remote Deposit post and settle

Reviews (2)

A "Small" Local Credit Union

Posted by: |

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: |

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.



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. Common Cents Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #15788
Year Chartered1963
Employees16
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD5.09%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$33.8MM$32.8MM
LoansQ4 2019vs Q4 2018$26.9MM$24.8MM
DepositsQ4 2019vs Q4 2018$28.9MM$27.5MM
Equity CapitalQ4 2019vs Q4 2018$4.4MM$4.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$216.00K$194.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$654.00K$963.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Kasasa Cash, 3% Up To $25K

  |  
Field of membership includes residents of Jefferson and Chambers Counties in Texas.

Have at least 12 debit card purchases over $10.00 post and settle
Be enrolled and receive e-statement notice
Be enrolled and log into online banking
Have at least 1 automatic payment, ACH debit or credit, or Remote Deposit post and settle

Rates
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Always verify rates and promotions with the bank or credit union. We are not Common Cents Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

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

Common Cents Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%-$25kKasasa Cash
0.05%--Share Draft Checking

Common Cents Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%--30 Month CD
1.51%--12 Month CD
1.01%--6 Month CD

Common Cents Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%--24 Month IRA
1.77%--18 Month IRA
Locations


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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