Cencap Federal Credit Union

Headquarters

443 Franklin Ave
Hartford, CT 06114
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 4.01% →
1-Year CD 0.55% 4.50% →
2-Year CD 0.75% 4.73% →
5-Year CD N.A. 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Credit Union Information

Cencap is an NCUA insured institution located in Hartford, CT. It was founded in 1950 and has approximately $44.45 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 6733
Date Established 1950
Assets $44.45 million
Loans $26.78 million
Deposits $41.55 million
Capital $2.83 million
 

Field of Membership Restrictions

Membership in Cencap Federal Credit Union is open to those who live, work, attend school or worship in the Hartford, Connecticut area.

Deposit Rates - November 28, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.20% $2,500 $4,999 Learn More
Money Market
0.45% $2,500 $2,999 Learn More
Money Market
0.45% $10,000 $14,999 Learn More
Money Market
0.50% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.25% $10,000 $14,999 Learn More
48 Mo CD
1.25% $100,000 $199,999 Learn More

Loan Rates - November 28, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for CENCAP

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Embrace Home Loans (ICB)
NMLS ID: 2184
6.722% 6.625% 1.00 $2,500 $1,601 Learn More
AimLoan.com
NMLS ID: 2890
License#: 413-0477
6.226% 6.125% 0.63 $2,685 $1,520 Learn More
Eligibility.org
NMLS ID: 1907
Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
6.490 %
After Intro: 7.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.490 %
$0 Learn More
More Info

Note to CENCAP
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Cencap branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


Cencap Locations



Climate Initiatives

CENCAP is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Cencap Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cencap. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Cencap U.S. Average
19.71% 4.24

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2022, Cencap had $565,689 in non-current loans and $64,920 in owned assets. To cover these potential losses it had $2,832,263 in net worth and $367,702 in loans loss reserves. That gives it a Texas Ratio of 19.71%.

Net Worth
Cencap U.S. Average
6.37% 12.40%

Cencap FCU has a net worth of 6.37% versus the BestCashCow average of 12.40. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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