Common Cents


Po Box 20396
Beaumont, TX 77720
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
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

Common Cents is an NCUA insured institution located in Beaumont, TX. It was founded in 1963 and has approximately $35.4 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 15788
Date Established 1963
Assets $35.40 million
Loans $23.42 million
Deposits $31.07 million
Capital $4.01 million

Deposit Rates - April 11, 2021

Your Current Location: California, CA 92111

We do not yet have rates for Common Cents

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Loan Rates - April 11, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for COMMON CENTS

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 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
IHL Direct
NMLS ID: 257476
2.884% 2.750% 0.75 $4,368 $1,021 Learn More
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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Below are Common Cents 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

Common Cents Locations

Financial Details

Common Cents Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Common Cents. 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
Common Cents U.S. Average
17.25% 5.40

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 December 31, 2020, Common Cents had $805,851 in non-current loans and $0 in owned assets. To cover these potential losses it had $4,008,692 in net worth and $663,992 in loans loss reserves. That gives it a Texas Ratio of 17.25%.

Net Worth
Common Cents U.S. Average
11.32% 12.67%

Common Cents FCU has a net worth of 11.32% versus the BestCashCow average of 12.67. 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 Common Cents

Branches and Savings

What is Common Cents?

A federal credit union, registered with the NCUA under certificate #15788.
Learn more about credit unions here.

Is Common Cents 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. Common Cents is insured by the NCUA.

Who can join Common Cents?

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

What are Common Cents's share account and share certificate rates?

Common Cents'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 Common Cents?

Common Cents has total capital of $4.01 million. Full information on Common Cents's financial position is located above.

Who owns Common Cents?

Credit Unions are owned by their members.

Where are Common Cents branches located?

See branch locations nearby.

Are Common Cents ATMs Open 24/7?

Do Common Cents ATMs accept cash deposits?

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

Does Common Cents have a mobile app?

Does Common Cents have mobile deposit?

Does Common Cents have quick pay?

How can Common Cents transfer money to other banks or credit unions?

Does Common Cents report to credit bureaus?

Does Common Cents use Chexsystems?

Does Common Cents use Equifax?

What is Common Cents's toll free phone number?

What is Common Cents's ACH Routing Number?

What is Common Cents's SWIFT code?

Where can I find Common Cents's wire transfer form?

What is the Common Cents address for deposits?

What Products Does Common Cents Offer

Does Common Cents offer mortgages?

Compare mortgage rates here.

Does Common Cents offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Common Cents offer auto and RV loans?

Compare auto loan rates here.

Does Common Cents offer student loans or personal loans?

Compare personal loan rates here.

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