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

Notable Rates APY Vs.Others
Savings 0.20% 0.85% →
1-Year CD 0.55% 0.80% →
2-Year CD 0.75% 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Cencap is an NCUA insured institution located in Hartford, CT. It was founded in 1950 and has approximately $50.41 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 6733
Date Established 1950
Assets $50.41 million
Loans $28.12 million
Deposits $47.73 million
Capital $2.53 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 - September 24, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
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 - September 24, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.654% 2.625% 0.38 $960 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$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.



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:

Cencap Locations

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
15.68% 4.38

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 March 31, 2021, Cencap had $431,450 in non-current loans and $64,920 in owned assets. To cover these potential losses it had $2,530,632 in net worth and $634,745 in loans loss reserves. That gives it a Texas Ratio of 15.68%.

Net Worth
Cencap U.S. Average
5.46% 12.20%

Cencap FCU has a net worth of 5.46% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Cencap

Branches and Savings

What is Cencap?

A federal credit union, registered with the NCUA under certificate #6733.
Learn more about credit unions here.

Is Cencap FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Cencap is insured by the NCUA.

Who can join Cencap?

Please see Field of Membership information above for information on who is eligible to join.

What are Cencap's share account and share certificate rates?

Cencap's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Cencap?

Cencap has total capital of $2.53 million. Full information on Cencap's financial position is located above.

Who owns Cencap?

Credit Unions are owned by their members.

Where are Cencap branches located?

See branch locations nearby.

Are Cencap ATMs Open 24/7?

Do Cencap ATMs accept cash deposits?

Can Cencap customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Cencap have a mobile app?

Does Cencap have mobile deposit?

Does Cencap have quick pay?

How can Cencap transfer money to other banks or credit unions?

Does Cencap report to credit bureaus?

Does Cencap use Chexsystems?

Does Cencap use Equifax?

What is Cencap's toll free phone number?

What is Cencap's ACH Routing Number?

What is Cencap's SWIFT code?

Where can I find Cencap's wire transfer form?

What is the Cencap address for deposits?

What Products Does Cencap Offer

Does Cencap offer mortgages?

Compare mortgage rates here.

Does Cencap offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cencap offer auto and RV loans?

Compare auto loan rates here.

Does Cencap offer student loans or personal loans?

Compare personal loan rates here.

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