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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Cent Credit Union Rates & Review March 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: March 25, 2026
Cent Credit Union's 12 Month Time CD rates are at 3.50%. Cent Credit Union's savings rates are at 0.50%. Cent Credit Union's money market rates are at 3.05%. Cent Credit Union's Personal Loan Rates are at 13.50%. MonitorBankRates evaluates the financial stability of Cent Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.81%. Rates were last updated on 03/25/2026. Cent 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 Cent Credit Union? Share your experience about Cent Credit Union by leaving a review below, or read customer reviews before you decide to use Cent Credit Union. Cent Credit Union
CENT Credit Union main office 25 W State ST
https://www.centcu.org Mason City, IA 50401 3219 
Cent Credit Union CD Rates
Cent Credit Union Savings Rates
Cent Credit Union Money Market Rates
Cent Credit Union Checking Rates
Cent Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Cent 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 Cent 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 Cent Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cent Credit Union
Website
https://www.centcu.org
Address
25 W State ST,
Mason City, IA 50401 3219
Phone
641-424-2368
Fax
641-201-8000
President
William Basler
CEO
Matthew Chizek
Full-Time Employees
34
Part-Time Employees
0
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.81%
Return on Assets (ROA)
0.5133%
Return on Equity (ROE)
4.2765%
Non-Performing Loans Ratio (NPL)
0.44%
Total Assets
167,752,254
Total Amount of Shares and Deposits
146,913,773
Total Shares and Deposits < 1 Year
145,537,765
Total Shares and Deposits 1 3 Years
1,373,477
Total Shares and Deposits > 3 Years
2,531
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,738,380
Total Uninsured Shares and Deposits > $250K (F+J)
6,738,380
Total Insured Shares and Deposits > $250K (item 17 less item K)
140,175,393
Total Interest Expense (Sum of items 6 8)
2,375,512
Share Certificates
1,389
Number of Accounts for Share Drafts
6,814
IRA KEOGH Accounts
239
Number of Accounts for Regular Shares
13,001
All other shares
387
Money Market Shares
498
Net Income (unless the amount is already included in Undivided Earnings)
861,047
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
27,572,033
Total Liabilities
147,617,811
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Cent Credit UnionIs Cent Credit Union a safe place to deposit money?Yes, Cent Credit Union is considered a safe financial institution. With a Texas Ratio of 2.8091067629733%, the institution's financial health is rated as excellent. 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 Cent Credit Union operate?Cent 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 Cent Credit Union?Yes, to access services at Cent 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, Cent 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, Cent Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Cent Credit Union offer online and mobile banking?Most modern institutions like Cent 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.centcu.org. Current Cent Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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