--- title: "Cent Credit Union Rates - Iowa" description: "Current auto loan, and personal loan rates from Cent Credit Union in Iowa. Updated daily with source verification. See who can join Cent Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/iowa/cent" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Cent Credit Union Rates - Iowa ### Auto & vehicle rates 11 offers | Product | Published | Rate | Term / condition | Status | | **New Vehicle 2025 - Newer (0 – 60 Months)** auto_new_60mo | — APR | 4.990% | 60 mo · new | Standard | | **New Vehicle 2025 - Newer (61 – 72 Months)** auto_new_72mo | — APR | 5.490% | 72 mo · new | Standard | | **Used Vehicle 2018 - 2024 (0 – 60 Months)** auto_used_60mo | — APR | 5.990% | 60 mo · used | Standard | | **New Vehicle 2025 - Newer (73 – 84 Months)** auto_new_84mo | — APR | 5.990% | 84 mo · new | Standard | | **New Vehicle 2025 - Newer (85-120 Months)** auto_new_120mo | — APR | 6.490% | 120 mo · new | Standard | | **Used Vehicle 2018 - 2024 (61 – 72 Months)** auto_used_72mo | — APR | 6.490% | 72 mo · used | Standard | | **Used Vehicle 2018 - 2024 (73 – 84 Months)** auto_used_84mo | — APR | 6.990% | 84 mo · used | Standard | | **Used Vehicle 2018 - 2024 (85-120 Months)** auto_used_120mo | — APR | 7.490% | 120 mo · used | Standard | | **Used Vehicle 2017 - Older (0 – 60 Months)** auto_used_60mo | — APR | 7.990% | 60 mo · used | Standard | | **Used Vehicle 2017 - Older (61 – 72 Months)** auto_used_72mo | — APR | 8.990% | 72 mo · used | Standard | | **Used Vehicle 2017 - Older (73 – 84 Months)** auto_used_84mo | — APR | 9.990% | 84 mo · used | Standard | Cent Credit Union auto & vehicle rates as of November 13, 2026 ### 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 | — APR | 2.950% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 13.500% | — | Standard | Cent Credit Union personal loan rates as of November 13, 2026 Cent Credit Union is a credit union in Iowa. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/iowa/cent) , verified from [Cent Credit Union's official website](https://www.centcu.org/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**North Iowa Community** MAIN OFFICE · MASON CITY · IA · 50401 About 0.6 miles away](https://rateapi.dev/credit-unions/iowa/north-iowa-community) [**Gas & Electric Employees** Gas & electric Employees Credit Union · mason city · IA · 50401 About 1.3 miles away](https://rateapi.dev/credit-unions/iowa/gas-electric-employees) [**Iowa Heartland** IOWA HEARTLAND CREDIT UNION · MASON CITY · IA · 50401 About 1.3 miles away](https://rateapi.dev/credit-unions/iowa/iowa-heartland) [**Citizens Community** Citizens Community Credit Union · Lake Mills · IA · 50450 About 24.9 miles away](https://rateapi.dev/credit-unions/iowa/citizens-community) [**Family Community** Family Community Credit Union · Charles City · IA · 50616-1320 About 27.1 miles away](https://rateapi.dev/credit-unions/iowa/family-community) [**Trades & Labor** TRADES & LABOR FCU · ALBERT LEA · MN · 56007-4526 About 34.9 miles away](https://rateapi.dev/credit-unions/minnesota/trades-labor) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Cent Credit Union's website. Check the membership page below to confirm whether you qualify. - Location union — SD Verified from [Cent Credit Union's membership page](https://www.centcu.org/become-a-member/) . Final membership determination is always made by the credit union. ## Membership rules for Cent Credit Union Geography 1 county · Family 3 published paths to membership, last verified November 8, 2026, quoted from Cent Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Union County, SD “You are eligible for membership if you are a resident of or are working in one of the following counties: Black Hawk, Bremer, Buena Vista, Butler, Calhoun, Cerro Gordo, Cherokee, Chickasaw, Clay, Dickinson, Emmett, Fayette, Floyd, Franklin, Grundy, Hamilton, Hancock, Hardin, Howard, Humboldt, Ida,…” > [source ↗](https://www.centcu.org/become-a-member/) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member family “Membership is also available to family members of current CENT members.” > [source ↗](https://www.centcu.org/become-a-member/) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Cent Credit Union? Yes No ## Work at Cent Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Cent Credit Union ranks against Iowa peers. - See which AI assistants fetched Cent Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Iowa - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=cent&state=iowa&code=IA&name=Cent%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 13, 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 November 13, 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. ### Who can join Cent Credit Union? Cent Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 county for Cent Credit Union, each quoted from Cent Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Cent Credit Union's rates against national credit-union benchmarks. [More Iowa credit unions](https://rateapi.dev/credit-unions/iowa) [Iowa auto loan rate leaders](https://rateapi.dev/auto-loan-rates/iowa) [Iowa personal loan leaders](https://rateapi.dev/personal-loan-rates/iowa) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.centcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Cent Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Iowa credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Cent Credit Union curl "https://api.rateapi.dev/credit-unions/iowa /cent " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Cent Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/iowa/cent Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp