Credit union · NCUA insured
CENT Credit Union Savings Rates
CENT Credit Union’s best savings rate is 3.55% APY on $10,000, with its Cheers Money Market. Rates checked October 16, 2026.
How CENT Credit Union’s savings rates compare
Compared with banks and credit unions near Mason City, IA, where CENT Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CENT Credit Union
3.55%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $355
Cheers Money Market
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
3rd-highest rate
First Security Bank & Trust
1.19%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $119
CENT Credit Union savings score
95
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0003.55%
- $100,000 balance$100,0003.75%
- QualifiedQualified3.55%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where CENT Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Cheers Money Market
3.55%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $25,000 | 3.55% | $355 |
| $25,000 – $50,000 | 3.60% | — |
| $50,000 – $75,000 | 3.65% | — |
| $75,000 – $100,000 | 3.70% | — |
| $100,000 – $200,000 | 3.75% | — |
| $200,000 – $500,000 | 4.00% | — |
| $500,000 – $1,000,000 | 4.25% | — |
| $1,000,000 and up | 5.00% | — |
High Yield Savings
0.50%APY
Dividends are calculated using Average Daily Balance (p12) / calculated and compounded daily (p17), paid monthly. No minimum balance requirements, not even to open. No monthly fees. No withdrawal limits except 6 withdrawals or transfers by pre-authorized, automatic or telephone transfers per period.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 0.50% | $50 |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 – $250,000 | 1.50% | — |
| $250,000 and up | 2.00% | — |
Secondary Shares
0.05%APY
Dividends calculated using Average Daily Balance, dividend credit and compounds monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- centcu.org/deposit-rates · captured Oct 5, 2026
Shares
0.05%APY
$25.00 account minimum is a member's ownership share. No monthly or annual service fees as long as account is active (inactive over a year may incur inactive account fee). Dividends calculated using Average Daily Balance, dividend credit and compounds monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Special-purpose accounts
Christmas Club
5.00%APY
Limited access share account. Funds are transferred into a regular share account annually on November 1st. Dividends calculated using Average Daily Balance, dividend credit and compounds monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Balance up to $10,000.00.Up to $10,000 | 5.00% | $500 | Balance up to $10,000.00. |
Kids Club
5.00%APY
For ages 0-13. Requires $25.00 par share for ownership. Dividends calculated using Average Daily Balance, dividend credit and compounds monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000For ages 0-13. Balance up to $10,000.00.Up to $10,000 | 5.00% | $500 | For ages 0-13. Balance up to $10,000.00. |
Vacation Club
5.00%APY
Limited access share account. Withdrawals are authorized quarterly. Dividends calculated using Average Daily Balance, dividend credit and compounds monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Balance up to $10,000.00.Up to $10,000 | 5.00% | $500 | Balance up to $10,000.00. |
IRA Shares
0.50%APY
Offered as Traditional and Roth IRA share accounts. Dividends calculated using Average Daily Balance, dividend credit and compounds monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Who can join CENT Credit Union
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.
Membership information collected October 4, 2026.