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 Common Cents Federal Credit Union Rates & Review September 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 and Verified: September 12, 2026
Common Cents Federal Credit Union's 12-Month CD rates are at 4.08%, 6-Month CD rates are at 3.82%, IRA 18 Month rates are at 3.56%, IRA 24 Month rates are at 3.56%, 30-Month CD rates are at 3.50%. Common Cents Federal Credit Union's savings rates are at 0.20%. Common Cents Federal Credit Union's money market rates are at 0.25%. Common Cents Federal Credit Union's Personal Loan Rates are as low as 10.00%. Common Cents Federal Credit Union's Credit Card Rates are at 14.50%. MonitorBankRates evaluates the financial stability of Common Cents Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.82%. Rates last updated and verified on 09/12/2026. Common Cents 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 Common Cents Federal Credit Union? Share your experience about Common Cents Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Common Cents Federal Credit Union. Common Cents Federal Credit Union
Common Cents Credit Union 8109 Smith Rd
https://www.commoncentscu.com Beaumont, TX 77705-6108 
Common Cents Federal Credit Union CD Rates
Common Cents Federal Credit Union Savings Rates
Common Cents Federal Credit Union Money Market Rates
Common Cents Federal Credit Union Checking Rates
Common Cents Federal Credit Union Auto Loan Rates
Common Cents Federal Credit Union RV, Boat and Powersport Loan Rates
Common Cents Federal Credit Union Credit Card Rates
Common Cents Federal Credit Union Personal Loan Rates
Common Cents Federal Credit Union Other Rates
Financial Health HistoryCommon Cents Federal Credit Union’s Texas Ratio fell from 6.42% in Q2 2023 to 5.82% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Common Cents 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 Common Cents 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 Common Cents Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Common Cents Federal Credit Union
Website
https://www.commoncentscu.com
Address
8109 Smith Rd,
Beaumont, TX 77705-6108
Phone
409-842-5233
Fax
409-842-5563
President
Kenneth Thibodeaux
CEO
Donnielle Goff
Full-Time Employees
13
Part-Time Employees
1
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.82%
Return on Assets (ROA)
-0.1854%
Return on Equity (ROE)
-1.7628%
Non-Performing Loans Ratio (NPL)
1.04%
Total Assets
35,009,824
Total Amount of Shares and Deposits
31,313,588
Total Shares and Deposits < 1 Year
30,919,838
Total Shares and Deposits 1 3 Years
393,750
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
490,279
Total Uninsured Shares and Deposits > $250K (F+J)
490,279
Total Insured Shares and Deposits > $250K (item 17 less item K)
30,823,309
Total Interest Expense (Sum of items 6 8)
110,487
Share Certificates
248
Number of Accounts for Share Drafts
2,390
IRA KEOGH Accounts
77
Number of Accounts for Regular Shares
5,433
Money Market Shares
23
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,228,354
Total Liabilities
31,327,262
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Add Your Rating and Review for Common Cents Federal Credit Union
Frequently Asked Questions About Common Cents Federal Credit UnionHow many branches does Common Cents Federal Credit Union operate?Common Cents 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 Common Cents Federal Credit Union?Yes, to access services at Common Cents 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, Common Cents 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, Common Cents Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Common Cents Federal Credit Union offer online and mobile banking?Most modern institutions like Common Cents 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.commoncentscu.com. Current Common Cents Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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