Cencap Credit Union Hartford CT | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Cencap at Terry Square, your trusted partner in financial success since 1950! Located at 2775 Main St, Hartford, CT 06120, we are proud to serve our vibrant community with a commitment to personal service and financial well-being. With a total membership of 8,279 and assets exceeding $38,957,157, Cencap stands as a pillar of stability and support for our members. While you can always visit us at our branch location, please note that official correspondence should be sent to our mailing address at 443 Franklin Avenue, Hartford, CT 06114. Our dedicated team is here to help you navigate your financial journey with ease and confidence. Under the leadership of CEO Jeanne Webb and Board President Ken Kennedy, Jr., we strive to create a welcoming environment where every member feels valued. Our passionate staff of 18 employees is ready to assist you with everything from checking and savings accounts to auto loans and credit cards with rewards. At Cencap, we take pride in our robust offerings: whether you're looking for personal loans, mortgage refinancing, or business banking solutions, we have you covered. We currently manage over $4,671,646 in deposits and have provided more than 2,546 loans, ensuring that our members have access to the resources they need. Join us today and experience the difference that comes with being part of a credit union that truly cares about its members. Visit us online at Cencap or call us at 860-722-8110 to learn more about how we can support your financial goals. Together, let's build a brighter future!

Branch History & Mission

At Cencap, our story began in 1950 when we opened our doors at 2775 Main St, Hartford, CT. Over the decades, we've grown from a small community-focused credit union into a trusted financial partner for over 8,279 members. Our total assets now stand at an impressive $38,957,157, reflecting the trust and commitment of our community. Cencap's mission is simple yet profound: to provide exceptional financial services while supporting the local community. We believe that everyone deserves access to quality banking options that empower them to achieve their financial goals. Whether you're looking for checking accounts, auto loans, or even mortgage refinancing, we're here to serve you with personalized solutions. Our branch not only offers traditional banking services but also features modern conveniences like ATM access and drive-thru banking for quick and easy transactions. We are committed to making your banking experience as smooth as possible. While members can visit us at our Main Street location, official correspondence should be sent to our mailing address at 443 Franklin Avenue, Hartford, CT 06114. We take pride in being accessible and responsive to our members' needs. As we look back on our rich history, we celebrate the many partnerships and outreach initiatives that have allowed us to give back to the community we love. From sponsoring local events to providing financial education workshops, we strive to make a positive impact beyond just banking. Today, with operating hours from Monday to Friday and special Saturday hours, we're here for you when you need us most. Our dedicated team is ready to assist you in navigating your financial journey. Join us at Cencap where your financial success is our priority! Experience the difference of a credit union that truly cares about its members and community. Visit us today or explore more about membership benefits online at Cencap.

Branch Location & Accessibility

Call to Action

Have questions or want more information? Don't hesitate to give us a call at 860-722-8110. Our team is always ready to assist you! We invite you to stop by Cencap at Terry Square today we look forward to welcoming you into our community!

Nearby Landmarks and Accessibility

As you approach our branch, you'll notice that we are close to popular spots like the Hartford Public Library and Bushnell Park. This central location means you can drop by while running errands or enjoying a day out in the city. Plus, we have ample parking available right outside, making it simple for you to visit us without any hassle. Our branch is fully ADA compliant, featuring ramps and accessible entrances to ensure everyone can enjoy our services comfortably. We take pride in being a community-focused credit union that values every member's experience.

Operating Hours and Services

We know that life can get busy, so we've tailored our hours for your convenience. Cencap's lobby is open Monday through Wednesday and Friday from 8 AM to 4 PM, with extended hours on Thursday until 5:30 PM and Saturday mornings from 8 AM to noon. This flexibility allows you to visit us when it's most convenient for you. At our branch, you'll find a range of services designed to meet your banking needs. From personal banking options like checking and savings accounts to vehicle financing and mortgage loans, we are here to support your financial journey. If you're on the go, take advantage of our drive-thru service for quick deposits and withdrawals without leaving your vehicle.

Member Eligibility

At Cencap, we believe that becoming a member means joining a warm and welcoming community where you can thrive. If you're looking to join us, you'll be pleased to know that eligibility is quite inclusive. Whether you're a resident of Hartford or nearby areas, or if you have family members already part of our credit union, there's a good chance you can become one of us! We're dedicated to helping our members achieve their financial goals with personalized services and support tailored just for you. To get started on your membership journey with Cencap, simply visit us at 2775 Main St, Hartford, CT 06120. Our friendly team is here to assist you through the account opening process, which is simple and straightforward. For more detailed information on eligibility requirements, feel free to check out our website at https://www.cencap.com/accounts/youth-membership-account/ . If you have any questions or need assistance, don't hesitate to give us a call at 860-722-8110. We're excited to welcome you into our community!

Business Banking & Commercial Services

Business Loans That Drive Growth

Imagine having access to funds that allow you to expand your operations, invest in new equipment, or manage cash flow more effectively. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Tailored for You

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: a customer makes a purchase seamlessly with their card, while you enjoy quick access to those funds. Our services ensure that you can focus on what really matters growing your business. Located at 2775 Main St Hartford Ct 06120 in Hartford, CT, our team is here to help you navigate your financial journey with ease. For more information or assistance, call us at (860) 722-8110. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash in a hurry? Our ATM services allow for quick withdrawals and balance checks without stepping inside the branch. Plus, our drive-thru service makes simple transactions like deposits and withdrawals easy and efficient. At Cencap, we're committed to offering not just products but solutions that simplify banking for our members. Our team is always ready to assist you at (860) 722-8110 during our lobby hours: Monday through Friday from 8 AM - 4 PM (8 AM - 5:30 PM on Thursdays) and Saturday from 8 AM - Noon. Ready to explore how we can support your financial journey? Visit us today or check out more about our offerings at Cencap's website. Your financial success is our priority!

Business Banking

For small business owners, Cencap offers business banking solutions that include merchant services and business loans. We understand the importance of cash flow and operational efficiency in running a successful business.

Credit Cards and Rewards

Who doesn't love rewards? Our credit cards come with perks designed to enhance your spending experience while earning benefits. Whether you're planning a vacation or just want to enjoy cash back on everyday purchases, we've got you covered.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. You can manage your accounts from anywhere at any time whether it's paying bills, transferring money, or checking balances right from your smartphone or computer.

Personal Banking

Our personal banking services include checking and savings accounts that cater to everyday needs. Imagine having easy access to your funds whenever you need them, whether it's for daily expenses or unexpected emergencies. We also provide auto loans and vehicle financing options, making it simpler for you to hit the road in a new car. If you're considering purchasing a home or refinancing an existing mortgage, our mortgage loans are tailored to fit your situation. For those times when life throws challenges your way, our personal loans and debt consolidation options can help ease financial burdens.

Digital & Online Banking

Key Features

With our user-friendly mobile application, you can check your account balances, transfer funds, and pay bills right from your smartphone. Plus, our mobile payments feature allows you to make quick purchases without needing cash or cards. We also provide person-to-person transfers, making it easy to send money to friends and family with just a few taps. For those who prefer going paperless, we offer e-statements, giving you instant access to your financial information while being kind to the environment. You can view your statements anytime, anywhere no more waiting for mail!

Security and Accessibility

Security is a top priority at Cencap. While we do not offer electronic signature authorization at this time, all transactions conducted through our online banking platform are protected with advanced encryption technology. This ensures that your personal information remains safe. Our online banking service is designed to be straightforward and easy to navigate so that you can manage your finances without hassle. Whether you're checking your balance or setting up automatic payments, everything is just a click away. In summary, Cencap combines convenience with robust security features to provide a digital banking experience that fits into your lifestyle. Take advantage of our services today by visiting https://www.cencap.com/ and see how easy it is to stay on top of your financial goals!

Financial Strength

Commitment to Service

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 16 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts: 14,957, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cencap is your trusted partner. Visit us at 2775 Main St Hartford Ct 06120 or call (860) 722-8110 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $1,209,137 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is evident with $576 in used auto loans and $25,906,667 in total loans and leases supporting our members' financial goals across various sectors.

Member-Centric Savings Solutions

Members' savings are secured through $6,233,125 in share certificates and $2,390,019 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $2,975,074, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $756 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $8,758,766 in used vehicle loans and $2,558,758 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easier than ever to drive away in a car you love.

Credit Lines and Unsecured Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,980,386 in loans helping members manage their finances effectively. Additionally, our credit lines totaling $5,800,000 provide access to funds when you need them most.

Financing Options

For those considering refinancing their existing loans or seeking eligibility options for our various products, our team is ready to assist you. We believe that understanding your financing options should be straightforward and accessible. At Cencap, we pride ourselves on providing personalized service. If you have any questions about our loan offerings or would like to discuss which option is best for you, please don't hesitate to reach out. You can contact us at 860-722-8110 or visit us at 2775 Main St Hartford Ct 06120. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Together, let's take the next step toward achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,164,362, make buying or refinancing simple. We are here to guide you through every step of the mortgage process so that you can find the right solution for your situation.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that all offers presented are fair and transparent. Each lender's information is carefully vetted to provide users with accurate comparisons that reflect current market conditions.

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, giving users confidence in their choices. - No Sponsored Listings: Unlike some platforms, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to choose the best option for their needs. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of LendMesh in delivering valuable insights. For anyone looking to secure the best loan rates available, LendMesh stands as a reliable partner. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

CENCAP FEDERAL CREDIT UNION - Hartford, CT

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