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Common Cents

PO Box 20396, Beaumont, TX 77720
NCUA Insured4.6 (35 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1963

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

Location & Directions

Address

PO Box 20396

Beaumont, TX 77720

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(409) 842-5233

Service Area

This credit union is located in Beaumont and serves members in the TX area. Currently serving 3,633 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

5.41%

Used Auto Loan

5.90%

Personal Loan

12.16%

Credit Card APR

8.90%

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 TX

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

Complex Community— New Auto Loan

Odessa, TX

1.90%
Jsc— Used Auto Loan

Houston, TX

2.74%
City— Personal Loan

Amarillo, TX

6.55%
Hockley County— Credit Card APR

Levelland, TX

4.00%

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

Branches & Locations(3 total)

Member Reviews

4.6

35 Google reviews

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

View on Google Maps
Jovan Randle

Jovan Randle

9 months ago

I had the best experience at CommonCents. You can tell they care about the business and the people who give them their business. Kelly was the best, and she worked with me before going get a vehicle, while I was at the dealership, we were talking, and after. Great costumer service, this expensive made me love CommonCents Credit Union even more. They will definitely keep my business. Keep up the fantastic work.

Daniel Herline

Daniel Herline

8 months ago

Refinancing, my truck was so easy. They took all the hard work out of getting it done

Dr. Belinda George

Dr. Belinda George

a year ago

Common Cents Credit Union is one of the few remaining financial institutions with a small town feel. I love their customer service and professionalism.

angela nickerson

angela nickerson

2 years ago

Common Cents Credit Union is the best credit union in Beaumont. All of the workers know my name as soon as i walk in. They are friendly and handles any issues, questions or concerns promptly and efficiently.

Jared Hunter

Jared Hunter

2 years ago

The staff is great, always friendly, and always go out of their way to help! Ms. Danielle is always friendly and really cares for the customers of the bank. Advise anyone looking for a bank with a family feeling to come here.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).