Credit union · NCUA insured
CENT Credit Union
A $165.9M credit union headquartered in Mason City, IA, with 11,472 members and 3 branches in Iowa. Best rates: CDs 4.50% and savings 3.55% APY.
CENT Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#1 of 9 in Mason City, IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CENT Credit Union
Originally chartered in 1965 as Mercy Family Credit Union, CENT Credit Union is a member-owned non-profit financial cooperative.
Following successive mergers with City Employees, Lehigh Employees, and Government Employees credit unions to form MCLG Family Credit Union, it adopted the CENT Credit Union name in 2015.
Operating as a community credit union serving 38 counties in Iowa and South Dakota, it maintains branch locations in Mason City, Le Mars, and Emmetsburg.
- Headquarters
- 25 W State ST, Mason City, IA 50401-3219
- NCUA charter
- 65238
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents or workers in designated counties in Iowa and South Dakota are eligible for membership.
Family and household
- Family members of current CENT members are eligible for membership.
Branches
3 branches in Iowa
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Iowa
3 branches
Mason City area · 1
- CENT Credit Union main officeMain office25 W State ST, Mason City, IA 50401Directions
Emmetsburg area · 1
- CENT Credit Union Branch1101 Broadway St, Emmetsburg, IA 50536Directions
Le Mars area · 1
- Cent Credit Union1411 Industrial Rd SW, Le Mars, IA 51031Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.73% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.20% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.90% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $92 | $76 | — |
- CapitalNet worth ratio12.73%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.20%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.90%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$92Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of CENT Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.