Cent Credit Union

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A short history of Cent CU

Since its inception in 1965 the Cent Credit Union has been serving its members in the Mason City, Iowa area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Matthew Chizek, the Cent CU has grown its membership to over 4,771 with assets of more than $47,840,869. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (641) 424-2368 or email them at mclfcu@netconx.net to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Mason City, IA.

General Information For Cent CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 65238
Address 1341 6th St SW 
City Mason City 
State Iowa 
Zip-Code 50401
Phone Number (641) 424-2368
Fax Number (641) 201-8000
Email Address: mclfcu@netconx.net
CEO/President Matthew Chizek
Members 4,771 
Full-Time Employees 16 
Part-Time Employees
Number of Branch Offices
Total Assets 47,840,869 
Website http://www.centcu.org 

Compare Cent Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Ace CU ACE Credit Union 1028 14th St SE 50401 (641) 424-6330 No 0.55
North Iowa Community CU NICCU WEST 4063 4TH ST SW # A 50402 (641) 423-2281 No 0.98
Gas & Electric Employees CU Gas & electric Employees Credit Union 1602 S Monroe Ave 50401 (641) 903-1714 No 1.12
Iowa Heartland CU IOWA HEARTLAND CREDIT UNION 1602 S MONROE AVE 50401 (641) 424-5391 No 1.65
Family Community CU Family Community Credit Union 923 N Linn Ave 50659 (641) 394-4026 No 26.13

Cent Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Cent Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 11.90 4.60 5.11 4.25 5.36
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 406 352 338 174 273
Rank Among All Iowa Credit Unions 22 51 42 26 37

Cent Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.25 0.10 N/A 1.52 0.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 95 129 N/A 89 227
Rank Among All Iowa Credit Unions 9 24 N/A 8 27
Cent Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.9004612,172
All Other Unsecured Loans/Lines of Credit 13.000486647,731
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 5.0401241,405
New Vehicle Loans 4.6001082,443,411
Used Vehicle Loans 5.1101,06312,848,788
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.25022917,099,935
Total Other Real Estate Loans/Lines of Credit 5.360992,109,698
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.1501571,750,862
TOTAL LOANS & LEASES 2,20036,954,002

Cent Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 877,499,44700
    a. > 15 years 777,672,25200
    b. 15 Years or less 341,402,38000
Other Fixed Rate 31525,856762,526,567
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 931,981,50000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 6128,19800
TOTALS 32819,209,633762,526,567


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Cent Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes