Cent Credit Union Mason City IA | Low Mortgage Rates & Business Banking

Introduction

Welcome to Cent Credit Union Main Office, your trusted financial partner located at 25 W State St, Mason City, IA 50401. Since our establishment in 1965, we have proudly served our community, offering a range of financial services designed to meet the unique needs of our members. With a total membership of over 11,268 and assets exceeding $158 million, we are committed to providing personalized banking solutions that empower you to achieve your financial goals. At Cent Credit Union, we understand that banking is about more than just transactions; it's about building relationships. Our dedicated team of 31 employees, led by CEO Matthew Chizek and Board President William Basler, strives to create a welcoming environment where your voice matters. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or business banking solutions, we're here to help every step of the way. While you can visit us at our branch for friendly service and expert advice, please note that any official correspondence should be directed to our mailing address: 25 W State ST, Mason City, IA 50401-3219. With total deposits reaching an impressive $25,448,842 and net worth standing at $19,113,106, we pride ourselves on stability and security for all our members. We also offer convenient services such as online banking and mobile payments to ensure you have access to your finances when you need them most. Ready to experience the difference? Contact us today at 641-424-2368 or explore our website at centcu.org for more information on how we can assist you in your financial journey!

Branch History & Mission

Community Connections

Cent Credit Union is more than just a place for banking; it's where community connections flourish. We offer various services like personal loans, auto financing, mortgage options, and business banking solutions all designed with you in mind. Moreover, our drive-thru banking facility ensures that your transactions are quick and convenient. While members can visit us at 25 W State St Mason City Ia 50401, official correspondence should be sent to 25 W State ST, Mason City, IA 50401-3219. For any questions or assistance, don't hesitate to call us at (641) 424-2368.

Growth and Development

Over the years, Cent Credit Union has experienced significant growth. With total assets reaching an impressive $158,892,896 and a dedicated staff of 31 employees, we have consistently adapted to meet the evolving needs of our members. Our operating hours are designed for your convenience: Monday through Thursday from 7:30 AM to 5:00 PM, Friday from 7:30 AM to 5:30 PM, and Saturday from 9:00 AM to 12:00 PM. We also understand the importance of technology in today's banking environment. That's why we've embraced digital advancements such as online banking and mobile payments. Our commitment to accessibility includes ADA compliance and ensuring that all members can easily use our services.

Join Us Today!

As we look toward the future, we invite you to become part of our vibrant community at Cent Credit Union. Experience firsthand how we can help you achieve your financial dreams while being part of something bigger a supportive network dedicated to helping each other succeed. Visit us today or explore membership options here. Together, let's build a brighter financial future!

Our Mission and Values

Our mission is simple yet profound: to empower our members by providing accessible financial solutions that cater to their unique needs. We believe that everyone deserves the opportunity to achieve their financial goals. Whether it's saving for a dream home, financing a vehicle, or planning for retirement, we are here to support you every step of the way. In addition to our focus on financial services, we take pride in giving back to the communities we serve. Through various outreach programs and partnerships with local organizations, we strive to make a positive impact on the lives of those around us. Our initiatives reflect our commitment not just as a financial institution but as an integral part of Mason City.

Branch Location & Accessibility

Connect with Us

Our friendly team is here to help you navigate your financial journey. If you have questions or need assistance, don't hesitate to call us at 641-424-2368. We look forward to welcoming you to Cent Credit Union! Visit us soon and discover how we can support your financial goals right here in Mason City.

Nearby Landmarks and Accessibility

Situated near popular local landmarks, our branch is easy to find. Whether you're just stopping by or have a specific banking need, you'll appreciate the convenient location. Plus, we offer ample parking and ADA-compliant features like ramps to ensure everyone can access our services comfortably.

Operating Hours and Services

At Cent Credit Union, we understand that flexibility matters. That's why we are open Monday through Thursday from 7:30 AM to 5:00 PM, Friday until 5:30 PM, and Saturday mornings from 9:00 AM to 12:00 PM. During these hours, you can take advantage of our full suite of personal banking services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. For those on the go, we also provide drive-thru banking for quick transactions without leaving your vehicle. And if you prefer cash withdrawals or balance checks via an ATM, you'll be pleased to know we have that available too!

Member Eligibility

At Cent, we believe that everyone deserves to be part of a welcoming and supportive community. Becoming a member is simple and rewarding! If you live, work, worship, or attend school in the area around our branch at 25 W State St Mason City Ia 50401, you are likely eligible to join us. We also welcome family members of existing members, making it easy for your loved ones to enjoy the benefits we offer. As a member, you'll gain access to personalized financial services tailored just for you, whether it's checking and savings accounts, loans, or credit cards with rewards. To start your journey with us, check out the detailed eligibility criteria at https://www.centcu.org/become-a-member/ . When you're ready to open an account, simply visit our account opening page at https://www.centcu.org/apply/ . If you have any questions or need assistance, don't hesitate to give us a call at (641) 424-2368. We're excited to welcome you into the Cent family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $67,780, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine a busy Saturday morning at your store; customers are lined up, eager to make purchases. With our efficient merchant services, transactions can be completed quickly and securely, allowing you to focus on what matters most serving your customers. Located at 25 W State St Mason City Ia 50401 in Mason City, IA, we're here to help you navigate the financial aspects of running a successful business. Whether you're looking for financing options or streamlined payment solutions, visit us today or call us at (641) 424-2368 to learn more about how we can support your business journey!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? We have ATM access available for simple transactions like withdrawals and balance checks right when you need them. Plus, enjoy the ease of our drive-thru banking for deposits and other basic transactions without leaving your car. At Cent, we're committed to meeting all your financial needs under one roof. If you're ready to take the next step toward better financial management or want more information about any of our services, feel free to reach out at (641) 424-2368 or visit us at 25 W State St Mason City Ia 50401 in Mason City, IA. Join us today and discover how easy banking can be!

Auto Loans & Vehicle Financing

Thinking about buying a new car? At Cent, we provide competitive auto loans and vehicle financing options that can fit any budget. Our friendly team is here to guide you through the loan process, making it easier than ever to drive away in the car you've always wanted.

Business Banking

For local businesses, Cent offers specialized business banking solutions including merchant services and business loans. We aim to support entrepreneurs by providing the financial tools needed to grow and thrive in today's competitive market.

Credit Cards with Rewards

Enjoy shopping with our credit cards that offer rewards on every purchase! Whether you're looking for cashback or travel points, our credit card options cater to diverse spending habits, giving you more value for your money.

Mortgage Loans & Refinancing

When it comes to purchasing or refinancing a home, we know every situation is unique. That's why our mortgage loans are flexible, designed to suit various needs and budgets. Our mortgage experts will walk you through each step, ensuring you understand all your options and helping you secure the best rates available.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your accounts anytime, anywhere. With features like mobile payments, e-statements, and person-to-person transfers, handling your finances has never been easier.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services have got you covered. Our checking accounts come with no monthly fees and easy access through online and mobile banking. You can manage your funds, pay bills, and transfer money all from the comfort of your home or on the go. If you need to save for future goals, our savings accounts help you earn interest while keeping your money secure.

Personal Loans & Debt Consolidation

Need some extra cash for unexpected expenses? Our personal loans offer quick access to funds without complicated processes. We also provide debt consolidation options, allowing you to combine multiple debts into one manageable payment with potentially lower interest rates.

Digital & Online Banking

Key Features

Visit us at https://www.centcu.org/ to explore our robust online banking services. You can check your account balance, transfer funds, and pay bills without stepping foot in a branch. Our 24/7 online banking lets you manage your finances on your own schedule. Need to send money quickly? Our person-to-person transfer feature allows you to send funds directly to friends or family with just a few taps on your phone. Plus, our electronic signature authorization makes it simple to complete important transactions without the hassle of paperwork.

Security and Convenience

Security is a top priority at Cent. We employ advanced technology to keep your personal information safe while providing an easy-to-use experience. Feel free to sign up for e-statements, which not only keep your financial records organized but also reduce paper clutter. For those who prefer mobile banking, our mobile application is available for download, giving you access to all the features right from your smartphone. And if you're someone who enjoys using digital wallets, you'll be pleased to know that we support mobile payments too! At Cent, convenience meets security so you can focus on what matters most your life. Whether it's checking your account or making payments, we make banking easier for you!

Financial Strength

Commitment to Innovation

With $9,713,777 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors; currently, we have $1,785 in used auto loans and $118,166,412 in total loans and leases available for our members.

Growing Member Base

We're thrilled to have built a strong community of trust with 21,894 total share accounts. This growing member base shows that more people are choosing Cent as their trusted partner for financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cent is your trusted partner. Visit us at 25 W State St Mason City Ia 50401 or call (641) 424-2368 to learn more about how we can help you achieve your financial goals.

Member Savings and Growth

Your savings are secure with us. We hold $48,784,934 in share certificates and $8,710,867 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $251,313, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $1,089,710, which enables us to continue offering competitive loan rates and solid financial products for you. We also take pride in having 31 full-time employees ready to serve you with knowledge and commitment.

Solid Financial Foundation

With a net worth of $19,113,106, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,203 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 $24,788,239 in used vehicle loans and $11,132,723 in new vehicle loans already helping members get on the road. We also provide refinancing options for existing auto loans, making it easier for you to save even more.

Business Loans

For business owners, our outstanding commercial loans totaling $67,780 provide the capital needed to grow and expand. We understand the challenges that come with running a business and are committed to supporting our members' entrepreneurial efforts. At Cent, we prioritize transparency and support throughout the lending process. For any inquiries regarding eligibility or specific loan products, please feel free to reach out at (641) 424-2368. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how our loan offerings can help you take the next step towards achieving your financial dreams!

Credit Lines

If you're looking for additional flexibility, consider our credit lines totaling $18,711,767. These lines of credit can be an excellent resource for emergencies or unexpected expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $15,644,655, make buying or refinancing simple. We're here to guide you through the entire process so that you can find a solution that fits your budget and lifestyle.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,308 in loans helping members manage their finances effectively. With our credit cards, you can enjoy rewards while keeping your spending in check.

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 users receive fair and transparent offers tailored to their financial situations. Each lender listed on LendMesh has been vetted to provide only legitimate offers, allowing users to trust that they are making informed choices.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions without delays. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective and user-friendly LendMesh is for those seeking loans. Take control of your borrowing experience today. Compare real-time loan offers 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.

CENT CREDIT UNION