25 W State ST
Mason City, IA 50401
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.60% →
1-Year CD 1.51% 1.55% →
2-Year CD 1.76% 2.65% →
5-Year CD N.A. 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Cent is an NCUA insured institution located in Mason City, IA. It was founded in 1965 and has approximately $53.27 millions in assets.

NCUA Insured Yes
Charter Number # # 65238
Date Established 1965
Assets $53.27 million
Loans $46.31 million
Deposits $45.67 million
Capital $7.39 million

Field of Membership Restrictions

Membership in CENT Credit Union is open to the following: (1) employees and professionals in the healthcare field within a 65-mile radius of Mason City; (2) employees of the city of Mason City, Iowa; (3) employees in Cerro Gordo County; (4) employees of the Federal Government, the United States Postal Service, the United States Parcel Service and the Federal Express Co., in Butler, Cerro Gordo, Floyd, Franklin, Hancock, Mitchell, Winnebago, Worth Counties in Iowa; (5) employees of select departments of the state of Iowa and other Select Employer Groups.

Deposit Rates - May 30, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $25 - Learn More
Money Market
0.10% $1 $24,999 Learn More
Money Market
0.50% $25,000 $49,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
1.51% $1,000 - Learn More
24 Mo CD
1.76% $1,000 - Learn More
Variable IRA Rates APY MIN MAX
0.35% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.35% $1 $250,000 Learn MoreShow Less

Loan Rates - May 30, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CENT

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.952% 2.875% 1.00 $2,485 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to CENT
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Below are Cent 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:

Cent Locations

Financial Details

Cent Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cent. 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
Cent U.S. Average
1.67% 5.92

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 September 30, 2019, Cent had $108,554 in non-current loans and $17,791 in owned assets. To cover these potential losses it had $7,389,022 in net worth and $180,094 in loans loss reserves. That gives it a Texas Ratio of 1.67%.

Net Worth
Cent U.S. Average
13.87% 13.86%

Cent FCU has a net worth of 13.87% versus the BestCashCow average of 13.86. 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 Cent

Branches and Savings

What is Cent?

A federal credit union, registered with the NCUA under certificate #65238.
Learn more about credit unions here.

Is Cent FDIC insured?

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

Who can join Cent?

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

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

Cent'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 Cent?

Cent has total capital of $7.39 million. Full information on Cent's financial position is located above.

Who owns Cent?

Credit Unions are owned by their members.

Where are Cent branches located?

See branch locations nearby.

Are Cent ATMs Open 24/7?

Do Cent ATMs accept cash deposits?

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

Does Cent have a mobile app?

Does Cent have mobile deposit?

Does Cent have quick pay?

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

Does Cent report to credit bureaus?

Does Cent use Chexsystems?

Does Cent use Equifax?

What is Cent's toll free phone number?

What is Cent's ACH Routing Number?

What is Cent's SWIFT code?

Where can I find Cent's wire transfer form?

What is the Cent address for deposits?

What Products Does Cent Offer

Does Cent offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Cent offer auto and RV loans?

Compare auto loan rates here.

Does Cent offer student loans or personal loans?

Compare personal loan rates here.

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