Cent Credit Union
Verified rate book
Current Cent Credit Union rates
13 published offers verified as of August 4, 2026.
Auto & vehicle rates
11 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Vehicle 2025 - Newer (0 – 60 Months)auto_new_60mo | 3.990% APR | 3.990% | 60 mo · new | Standard |
| New Vehicle 2025 - Newer (61 – 72 Months)auto_new_72mo | 4.490% APR | 4.490% | 72 mo · new | Standard |
| Used Vehicle 2018 - 2024 (0 – 60 Months)auto_used_60mo | 4.990% APR | 4.990% | 60 mo · used | Standard |
| New Vehicle 2025 - Newer (73 – 84 Months)auto_new_84mo | 4.990% APR | 4.990% | 84 mo · new | Standard |
| New Vehicle 2025 - Newer (85-120 Months)auto_new_120mo | 5.490% APR | 5.490% | 120 mo · new | Standard |
| Used Vehicle 2018 - 2024 (61 – 72 Months)auto_used_72mo | 5.490% APR | 5.490% | 72 mo · used | Standard |
| Used Vehicle 2018 - 2024 (73 – 84 Months)auto_used_84mo | 5.990% APR | 5.990% | 84 mo · used | Standard |
| Used Vehicle 2018 - 2024 (85-120 Months)auto_used_120mo | 6.490% APR | 6.490% | 120 mo · used | Standard |
| Used Vehicle 2017 - Older (0 – 60 Months)auto_used_60mo | 6.990% APR | 6.990% | 60 mo · used | Standard |
| Used Vehicle 2017 - Older (61 – 72 Months)auto_used_72mo | 7.990% APR | 7.990% | 72 mo · used | Standard |
| Used Vehicle 2017 - Older (73 – 84 Months)auto_used_84mo | 8.990% APR | 8.990% | 84 mo · used | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share Secured (APR above the share or time share collateralized Annual Percentage Yield)personal_secured | 2.950% APR | 2.950% | — | Standard |
| Signature Loanpersonal_unsecured | 13.500% APR | 13.500% | — | Standard |
Auto loans available from 3.99% APR for 60 months. Personal loan rates from 2.95% APR.
Source: RateAPI.dev, verified from Cent Credit Union's official website
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About Cent Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 11.5K
- Assets
- $165.9M
- Founded
- 1965
- Locations reported
- 4
- NCUA charter
- 65238
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online loan application
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Cent Credit Union
Membership eligibility from Cent Credit Union's own published criteria. How we verify this.
Community charter: live/work in Black Hawk, Bremer, Buena Vista +33 more, SD
- LocationBlack Hawk, Bremer, Buena Vista, Butler, Calhoun, Cerro Gordo, Cherokee, Chickasaw, Clay, Dickinson, Emmett, Fayette, Floyd, Franklin, Grundy, Hamilton, Hancock, Hardin, Howard, Humboldt, Ida, Kossuth, Lyon, Mitchell, Osceola, Palo Alto, Pocahontas, Plymouth, Sac, Sioux, Webster, Winnebago, Winneshiek, Woodbury, Worth, Wright — SD
Verified from Cent Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Cent Credit Union?
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Frequently Asked Questions
What rates does Cent Credit Union offer?
Cent Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Cent Credit Union rates updated?
RateAPI verifies Cent Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Cent Credit Union's rate data?
Rate data is collected directly from Cent Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Cent Credit Union's auto loan rates?
As of August 4, 2026, Cent Credit Union offers auto loans from 3.99% APR.
What is Cent Credit Union's personal loan rate?
As of August 4, 2026, Cent Credit Union offers personal loans from 2.95% APR.
Related Rate Data
Compare Cent Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack Cent Credit Union rates
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# Get rates for Cent Credit Union
curl "https://api.rateapi.dev/credit-unions/iowa/cent" \
-H "Authorization: Bearer YOUR_API_KEY"