Credit union · NCUA insured
CommonCents CU
Top CarrotA $35M credit union headquartered in Beaumont, TX, with 3,647 members and 3 branches in Texas. Best rates: CDs 4.08% and savings 0.25% APY.
CommonCents CU Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#4 of 22 in Beaumont, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CommonCents CU
CommonCents Credit Union operates branches in Beaumont and Winnie, Texas.
- Headquarters
- 8109 Smith Rd, Beaumont, TX 77705-6108
- NCUA charter
- 15788
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in Jefferson or Chambers County, as well as business entities located in those counties, are eligible for membership.
Family and household
- Individuals who have an immediate family member who is part of the CommonCents Credit Union family are eligible for membership.
Branches
3 branches in Texas
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Texas
3 branches
Beaumont area · 2
- Common Cents Credit UnionMain office8109 Smith Rd, Beaumont, TX 77705Directions
- Common Cents Credit Union595 Interstate 10 N, Beaumont, TX 77706Directions
Houston area · 1
- Common Cents Credit Union1315 Highway 124, Winnie, TX 77665Directions
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 | 12.13% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.30% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.36% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $73 | $59 | — |
- CapitalNet worth ratio12.13%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.30%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.36%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$73Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 CommonCents CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.