Cent Credit Union1411 Industrial Rd SW, Le Mars, IA

Le Mars, IA
(712) 546-7676
NCUA Insured

About Cent

This branch of Cent is located at 1411 Industrial Rd SW in Le Mars, Iowa, and can be reached at (712) 546-7676. Cent is a federally insured financial cooperative serving the Le Mars, Iowa community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Le Mars or review your personal loan options.

Not-for-Profit

Profits are returned to members via better rates & lower fees.

Community Focus

Local decision making and support for the Le Mars area.

Key Member Benefits

  • Financial Counseling

    Expert guidance on budgeting, debt reduction, and wealth building to help you achieve financial stability.

  • Low-Cost Wire Transfers

    Affordable wire transfer services, making it easier to send money domestically or internationally.

  • Free Checking

    No-cost share draft accounts (checking) with no monthly maintenance fees.

Location & Branch Hours

Visit Branch

1411 Industrial Rd SW

Le Mars, IA 51031-3004

Need Funds Before You Join?

How to Join

Membership at Cent is typically open to individuals who live, work, worship, or attend school in Le Mars and surrounding areas.

Standard Requirements:

  • Valid Government ID (Driver's License, Passport)
  • Social Security Number (SSN)
  • Proof of Address (Utility bill, Lease)
  • Small opening deposit (Usually $5 - $25)

We recommend contacting the branch at (712) 546-7676 to confirm your eligibility before visiting.

Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.

Services and Loan Types

Like most credit unions, Cent typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:

Loans & Credit

  • Personal Loans: Unsecured loans for debt consolidation or emergencies.
  • Auto Loans: Financing for new and used vehicles.
  • Home Loans: Mortgages and Home Equity (HELOC).
  • Credit Cards: Low-rate Visa/Mastercard options.

Banking & Savings

  • Checking Accounts: Often free with no minimum balance.
  • Savings Accounts: Share accounts with dividends.
  • CDs & IRAs: Long-term savings options.
  • Online Banking: Mobile app and remote deposit.

Verified Branch Services

ATM

Frequently Asked Questions

Is Cent federally insured?

Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.

Who can join this credit union?

Field of membership typically includes residents of Le Mars, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.

Other Cent Locations

3 additional branches in 1 state

IowaCurrent State

3 locations

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If Cent Credit Union isn't the right fit

To borrow from Cent Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can apply online with lenders serving Iowa. Applying is quick, and funds may be available quickly after approval.

Approval, amount, and terms depend on the lender and your creditworthiness. Loans are not available in all states.