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Greater Centennial Federal Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
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  • Finance Calculators
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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| iEditorial Disclosure
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 10, 2026

Greater Centennial Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.77%, 6-month share certificate rates at 2.65% and 3-month share certificate rates at 2.52%. Savings rates are at 0.84% and money market rates are at 1.15%. Mortgage rates on 30-year fixed loans are around 6.75%. These rates come from our rate database, not Greater Centennial Federal Credit Union, and you can see how they compare in the Greater Centennial Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Greater Centennial Federal Credit Union with a 3.3 Star Rating, an D Overall Health Grade, and a Texas Ratio of 35.84%. Database rates last updated and verified on 09/10/2026.

Greater Centennial 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 Greater Centennial Federal Credit Union? Share your experience about Greater Centennial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Greater Centennial Federal Credit Union.

Overall Health & Safety Grade ?
D
Weak Health Score: 65/100
MonitorBankRates Rating ?
3.3
Good Out of 5.0 Stars
Texas Ratio ?
35.84%
Fair Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
Greater Centennial Federal Credit Union
Greater Centennial Federal Credit Union
114 W 4th St
Mount Vernon, NY 10550-4062
https://greatercentennialfcu.com
Member NCUA

Current Rate Availability

We're not currently displaying rates for Greater Centennial Federal Credit Union, but our database is updated constantly, so check back soon for the latest offers.

Are you with Greater Centennial Federal Credit Union? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

Greater Centennial Federal Credit Union’s Texas Ratio rose from 6.69% in Q2 2023 to 35.84% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 3.3 and its Health Grade from A to D. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 11% 2.0★ 22% 3.0★ 34% 4.0★ 45% 5.0★ 15% Verified Healthy line 6.69% A Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 C Q2 2025 D Q3 2025 C- Q4 2025 35.84% D Q1 2026
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 threshold
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$0M35.84%3.3D
December 31, 2025$0M31.41%3.6C-
September 30, 2025$0M39.01%3.0D
June 30, 2025$0M28.58%3.9C
March 31, 2025$0M12.51%5.0A
December 31, 2024$0M9.27%5.0A
September 30, 2024$0M8.21%5.0A
June 30, 2024$0M3.40%5.0A+
March 31, 2024$0M1.45%5.0A+
December 31, 2023$0M4.81%5.0A+
September 30, 2023$0M0.00%5.0A+
June 30, 2023$0M6.69%5.0A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Greater Centennial 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 Greater Centennial 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 Greater Centennial Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Greater Centennial Federal Credit Union
Website https://greatercentennialfcu.com
Address 114 W 4th St, Mount Vernon, NY 10550-4062
Phone 914-664-1838
Fax 914-664-2067
President Stephen Pogue
CEO Tammy Johnson Barnes
Full-Time Employees 0
Part-Time Employees 1
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
3.3 / 5.0 ★
Overall Health & Safety Grade
D (65/100)
Texas Ratio
35.84%
Return on Assets (ROA)
1.6322%
Return on Equity (ROE)
13.9117%
Non-Performing Loans Ratio (NPL)
18.64%
Total Assets
277,053
Total Amount of Shares and Deposits
244,548
Total Shares and Deposits < 1 Year
244,549
Total Insured Shares and Deposits > $250K (item 17 less item K)
244,548
Number of Accounts for Share Drafts
182
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)
210,692
Total Liabilities
244,548
Source: NCUA — Last Updated 03/31/2026

Customer Reviews

There are no reviews for Greater Centennial Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Frequently Asked Questions About Greater Centennial Federal Credit Union

How many branches does Greater Centennial Federal Credit Union operate?

Greater Centennial 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 Greater Centennial Federal Credit Union?

Yes, to access services at Greater Centennial 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, Greater Centennial 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, Greater Centennial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Greater Centennial Federal Credit Union offer online and mobile banking?

Most modern institutions like Greater Centennial 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://greatercentennialfcu.com.

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