What are the current interest rates at Common Cents Federal Credit Union?

Current rates for Common Cents Federal Credit Union include: Savings: 0.20%, MMA: 0.25%

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Common Cents Federal Credit Union

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Common Cents Federal Credit Union Rates & Review August 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

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%. 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 7.31%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.31%

Excellent Higher than avg

Common Cents Federal Credit Union
Common Cents Credit Union

8109 Smith Rd
Beaumont, TX 77705 6108

https://www.commoncentscu.com

Common Cents Federal Credit Union Savings Rates

Product	Rate	APY
Ultimate Savings	-	1.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Ultimate Savings	-	0.20%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

Common Cents Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	0.25%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

Common Cents Federal Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft Checking	-	0.05%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

Common Cents Federal Credit Union Credit Card Rates

Product	Rate	APR
CommonCents Credit Card	-	14.50%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Credit Cards	-	14.50%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Rewards Credit Card	-	17.50%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates 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 4

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.31%

Return on Assets (ROA)

-1.5159%

Return on Equity (ROE)

-14.1164%

Non-Performing Loans Ratio (NPL)

1.38%

Total Assets

36,777,838

Total Amount of Shares and Deposits

32,584,200

Total Shares and Deposits < 1 Year

31,452,714

Total Shares and Deposits 1 3 Years

1,131,485

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

519,833

Total Uninsured Shares and Deposits > $250K (F+J)

519,833

Total Insured Shares and Deposits > $250K (item 17 less item K)

32,064,367

Total Interest Expense (Sum of items 6 8)

419,611

Share Certificates

265

Number of Accounts for Share Drafts

2,366

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,336

Money Market Shares

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)

4,512,033

Total Liabilities

32,828,355

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Common Cents Federal Credit Union

How 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.