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iAdvertiser Disclosure
Advertiser Disclosure
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 Cencap Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Cencap Federal Credit Union's CDs 1 Year rates are at 3.82%, CDs 18 mo. rates are at 3.61%, CDs 2 Year rates are at 3.61%, CDs 3 Year rates are at 3.35%, CDs 4 Year rates are at 3.35%. Cencap Federal Credit Union's savings rates are at 3.82%. Cencap Federal Credit Union's money market rates are at 1.64%. MonitorBankRates evaluates the financial stability of Cencap Federal Credit Union with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 54.83%. Rates were last updated on 04/18/2026. Cencap Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cencap Federal Credit Union? Share your experience about Cencap Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cencap Federal Credit Union. Cencap Federal Credit Union
443 FRANKLIN AVENUE 443 FRANKLIN AVE
https://www.cencap.com HARTFORD, CT 06114 
Cencap Federal Credit Union CD Rates
Cencap Federal Credit Union Savings Rates
Cencap Federal Credit Union Money Market Rates
Cencap Federal Credit Union Home Equity & HELOC
Cencap Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Cencap Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Cencap Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Cencap Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cencap Federal Credit Union
Website
https://www.cencap.com
Address
443 FRANKLIN AVE,
HARTFORD, CT 06114
Phone
860-722-8110
Fax
860-296-8981
President
Ken Kennedy Jr
CEO
Al Festini
Full-Time Employees
15
Part-Time Employees
2
Branch Locations
2
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
1.0 / 5.0 ★
Overall Health & Safety Grade
F (33/100)
Texas Ratio
54.83%
Return on Assets (ROA)
-2.1006%
Return on Equity (ROE)
-55.7582%
Non-Performing Loans Ratio (NPL)
2.86%
Total Assets
33,373,296
Total Amount of Shares and Deposits
32,163,017
Total Shares and Deposits < 1 Year
31,845,128
Total Shares and Deposits 1 3 Years
317,888
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,486,228
Total Uninsured Shares and Deposits > $250K (F+J)
1,486,228
Total Insured Shares and Deposits > $250K (item 17 less item K)
30,676,789
Total Interest Expense (Sum of items 6 8)
102,789
Share Certificates
192
Number of Accounts for Share Drafts
4,394
IRA KEOGH Accounts
102
Number of Accounts for Regular Shares
9,299
All other shares
2
Money Market Shares
86
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,774,736
Total Liabilities
32,307,163
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Cencap Federal Credit UnionIs Cencap Federal Credit Union a safe place to deposit money?Yes, Cencap Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 54.829006090194%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Cencap Federal Credit Union operate?Cencap Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Cencap Federal Credit Union?Yes, to access services at Cencap Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Cencap Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Cencap Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Cencap Federal Credit Union offer online and mobile banking?Most modern institutions like Cencap Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cencap.com. Current Cencap Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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