Banks use your money to make money for themselves. As a not-for-profit financial institution, our mission is to provide you with the financial services and products you need to build the future you want.

By opening a Savings account, you not only become a member, but also a part owner of Cencap Federal Credit Union. Whether you’re saving for a new car, a down payment on a home, or your child’s college education, you can be sure you’ll get competitive rates and a secure environment for your money.

At Cencap, we have a variety of accounts to help you build savings and keep more money in your wallet. Save for a purchase, health insurance or retirement. Whatever the goal, big or small, Cencap can help. Each member is required to have a share savings account. Once your membership and account is established, there are a variety of financial products and services to help you build your nest egg.

  • Minimum opening deposit of $5
  • Minimum balance in Savings Account of $5 (deducted from available balance)
  • Earn competitive dividends on balance of $50 or more
  • Access anytime

To become a member, please stop by one of our branches or email us at