Cent Credit Union Rates and Review January 2026
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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.
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Compare Cent Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Cent Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityCent Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or 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. Overall, Cent Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Cent Credit Union CENT Credit Union main office 25 W State ST Mason City, IA 50401 3219  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVisa Platinum Preferred Starter
17.990%
Visa Student
14.000%
Platinum Card Visa
18.240% - 29.240%
Platinum: 0% introductory APR for the first 18 billing cycles. After that, 18.24% to 29.24% based on your creditworthiness when you open your account.
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Loan
11.240% - 17.950%
$0
25 - 36
Personal Loan
13.000% - 13.200%
$1,500 - $15,000
24 - 24
Consolidation Loans
13.060%
$0
1 - 36
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Cent Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Cent Credit Union
Website: https://www.centcu.org
Full Time Employees: 34Part Time Employees: 0 President: William Basler CEO: Matthew Chizek Branch Locations: 4 ATM Locations: 4 Corporate Office Address:
25 W State ST
Mason City, IA 50401 3219 Phone Number: 641-424-2368 Fax Number: 641-201-8000 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Cent Credit UnionIs a member application needed to join Cent Credit Union?Yes, to access services at Cent Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Cent Credit Union provides a range of mortgage and home equity products. Is Cent Credit Union a safe place to deposit money?Yes, Cent Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Cent Credit Union offer online and mobile banking?Most modern institutions like Cent Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 1.01%, 6-month CD rates at 0.85% and 3-month CD rates at 3.75%. Savings rates are at 0.50% and money market rates are at 1.51%. Mortgage rates on 30-year fixed loans are around 5.76%. Credit Card rates are at 13.50%. Personal Loan rates are at 8.99%. All these rates, and more, can be found in our database of rates which you can compare to 
