Cencap Federal Credit Union

Cencap Federal Credit Union

We are a full-service financial institution offering everything from checking accounts to VISA credit cards with personalized friendly service and great rates. We no longer just service Hartford area Municipal Employees, but rather we offer our services to anyone who lives, works, learns, or prays in certain underserved areas in or around the city of Hartford. We specialize in Credit Building and Repair and offer FREE Financial Literacy programs to business, organizations, and religious groups in the area. Email Marcia Lee at mlee@cencap.com to schedule a visit from Cencap.

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  • Online Services
  • Mobile Services
  • Account with No Monthly Fee


  • Community impact analyzed by Mighty Deposits More information
  • Credit Union
  • Community Development Financial Institution (CDFI) More information

2nd Chance Checking

  • Minimum to Open Checking Account

  • Monthly Fee

  • Minimum Balance Requirement

  • Overdraft Fee

    $30 More information
  • ATM Fee

    Free at SUM and Allpoint ATMs

Other services or features

  • Free financial literacy workshops
  • Card valet
  • Discounted insurance through Liberty Mutual
  • Credit building
  • 9.90% Fixed APR Visa Credit Card


Rates and fees are variable and often change. For the most up to date information, visit the institution’s website.

To see how this institution uses your money to lend in communities, visit their profile on Mighty Deposits.