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Advertiser Disclosure
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 Cent Credit Union Rates & Review October 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.
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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: October 13, 2026
Cent Credit Union's top rates as of October 13, 2026 are 4.50% APY on its 24 Month Time CD, 2.00% APY on savings, 5.00% APY on money market accounts, 5.00% APY on checking, and personal loans from 13.50% APR, according to rates verified by MonitorBankRates. Other Cent Credit Union CD rates include 12 Month Time CD at 4.00%. 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 1.22%. Rates last updated and verified on 10/13/2026. 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  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Cent Credit Union CD Rates
Cent Credit Union Savings Rates
Cent Credit Union Money Market Rates
Cent Credit Union Checking Rates
Cent Credit Union Auto Loan Rates
Cent Credit Union Personal Loan Rates
Cent Credit Union Other Rates
Financial Health HistoryCent Credit Union’s Texas Ratio stayed near 1.46% in Q3 2023 to 1.22% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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 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
29
Part-Time Employees
3
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
1.22%
Return on Assets (ROA)
0.4465%
Return on Equity (ROE)
3.5061%
Non-Performing Loans Ratio (NPL)
0.20%
Total Assets
165,988,142
Total Amount of Shares and Deposits
144,614,071
Total Shares and Deposits < 1 Year
144,048,018
Total Shares and Deposits 1 3 Years
563,465
Total Shares and Deposits > 3 Years
2,587
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,518,329
Total Uninsured Shares and Deposits > $250K (F+J)
4,518,329
Total Insured Shares and Deposits > $250K (item 17 less item K)
140,095,742
Total Interest Expense (Sum of items 6 8)
1,208,660
Share Certificates
1,065
Number of Accounts for Share Drafts
6,892
IRA KEOGH Accounts
221
Number of Accounts for Regular Shares
12,970
All other shares
400
Money Market Shares
677
Net Income (unless the amount is already included in Undivided Earnings)
741,109
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)
21,159,478
Total Liabilities
144,850,164
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Cent Credit UnionHow 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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