Cent

25 W State ST, Mason City, IA 50401

NCUA Insured4.5 (86 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1965

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Mason City, IA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1965

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

25 W State ST

Mason City, IA 50401

Google Maps 🗺Waze

(641) 424-2368

Service Area

This credit union is located in Mason City and serves members in the IA area. Currently serving 11,425 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.94%

Used Auto Loan

5.99%

Personal Loan

13.50%

Credit Card APR

10.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IA

Lowest rates currently reported by credit unions in IA (NCUA Q4 2025).

Telco Triad Community— New Auto Loan

Sioux City, IA

1.99%

Waterloo Firemen'S— Used Auto Loan

Waterloo, IA

2.75%

Financial Plus— Personal Loan

West Des Moines, IA

7.91%

Affinity— Credit Card APR

Des Moines, IA

8.19%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

4.5

86 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Laurie Buchanan

4 months ago

Wonderful credit union! Great employees that genuinely care about their customers. I had an issue with my account being compromised by a credit card servicing company and Cent took care of everything immediately to protect my account. Highly recommend.

Bailey Weelborg

4 months ago

Taylor was awesome! This was my first time financing a car, so I was sort of a pain in the butt, but she was incredibly patient and explained everything to me so I could completely understand. Because of her, we were able to get a car we absolutely love!

Kashawna Harding

11 months ago

Went to Jake for an auto loan, and set up a savings account. Easiest and by far the quickest loan/car buying process ever. Bank staff is incredibly friendly, knowledgeable, and gracious. I was able to get a loan that not only covered the price of my new car (with a credit score in the 500s) but also to pay off my credit card debt and set me up for success. I would highly recommend Cent for all of your financial needs and goals! Thank you guys so much!!!! Literally made my dream come true. God bless you all.

David Carter

4 years ago

Cent credit union is the nicest bank I’ve ever been too. Every other friday I go there to deposit my check and whoever helps me is always the nicest and kindest to me. And and their whole staff are just the best !! Believe it or not it’s one of the places I like going where I know I’ll be treated nice. Jana is my favorite ❤️ I think she should get a raise because she is consistently great every time. Employees with great consistency should always be rewarded

Shannon Bieber

4 years ago

I love this bank! I spoke with Ashley about setting up a bank account, and she directed me to the correct person. She has been great and also everyone else I have dealt with. Everyone is so friendly and always have smiles on their faces. This has been the best bank I have ever banked with.