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Century Credit Union

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Century Credit Union Rates & Review November 2026

Q: What are the current interest rates at Century Credit Union?

Current rates for Century Credit Union include: 12-Month CD: 3.70%, 24-Month CD: 3.75%, 60-Month CD: 3.90%, Savings: 5.09%, MMA: 3.55%

Q: What CD terms does Century Credit Union offer?

Century Credit Union CD rates are 3.70% APY for a 12 month CD, 3.75% APY for a 2 year CD, 3.80% APY for a 3 year CD, 3.85% APY for a 4 year CD and 3.90% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Century Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Century Credit Union's CD of Deposit (CD) - 60 month rates are at 3.90%, CD of Deposit (CD) - 48 month rates are at 3.85%, CD of Deposit (CD) - 36 month rates are at 3.80%, CD of Deposit (CD) - 24 month rates are at 3.75%, CD of Deposit (CD) - 12 month rates are at 3.70%. Century Credit Union's savings rates are at 5.09%. Century Credit Union's money market rates are at 3.55%. Century Credit Union's checking rates are as high as 0.10%. Century Credit Union's 10-Year Conventional Mortgage - Home Purchase rates are at 6.00%, 15-Year Conventional Mortgage - Home Purchase rates are at 6.38%, 20-Year Conventional Mortgage - Home Purchase rates are at 6.88%, 30 Year Conventional Mortgage - Home Purchase rates are at 7.12%. Century Credit Union's RV, Boat and Powersport Loan Rates are as low as 8.74%. Century Credit Union's Credit Card Rates are at 10.90%. Century Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Century Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.27%. Rates last updated and verified on 10/29/2026.

Century Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Century Credit Union? Share your experience about Century Credit Union by leaving a review below, or read customer reviews before you decide to use Century Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.27%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Century Credit Union
MAIN OFFICE

1540 LEMAY FERRY RD
SAINT LOUIS, MO 63125-2405

https://www.centurycu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Century Credit Union CD Rates

Product	Rate	APY	Term
6 Month Teen CD	9.65%	10.00%	6 Months
Min Deposit $100 Details $1,000 max; Interest paid quarterly; Without a Century checking account, subtract .10% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
7 Month Special CD	-	4.35%	7 months
Min Deposit $1,000 Details Advertised as up to 4.35% APY; Monthly CD special at a non-standard term; Teen minimum $100; Paid quarterly (on anniversary date of CD); Withdrawal before maturity subject to penalty Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00% Oct 26, 20264.35%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
9 Month Certificate Special	4.28%	4.35%	9 Months
Min Deposit $1,000 Details $50,000 max; Interest paid quarterly; Without a Century checking account, subtract .10% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificate of Deposit (CD) - 60 month	3.84%	3.90%	60 Months
Min Deposit $1,000 Details Interest paid quarterly; Without a Century checking account, subtract .10% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60% Oct 9, 20263.90%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificate of Deposit (CD) - 48 month	3.80%	3.85%	48 Months
Min Deposit $1,000 Details Interest paid quarterly; Without a Century checking account, subtract .10% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55% Oct 9, 20263.85%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificate of Deposit (CD) - 36 month	3.75%	3.80%	36 Months
Min Deposit $1,000 Details Interest paid quarterly; Without a Century checking account, subtract .10% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50% Oct 9, 20263.80%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificate of Deposit (CD) - 24 month	3.70%	3.75%	24 Months
Min Deposit $1,000 Details Interest paid quarterly; Without a Century checking account, subtract .10% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 9, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificate of Deposit (CD) - 12 month	3.65%	3.70%	12 Months
Min Deposit $1,000 Details Interest paid quarterly; Without a Century checking account, subtract .10% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60% Oct 9, 20263.70%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificate of Deposit (CD) - 6 month	3.45%	3.50%	6 Months
Min Deposit $1,000 Details Interest paid quarterly; Without a Century checking account, subtract .10% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Savings Rates

Product	Rate	APY
Dollar Den Kids Club	-	10.00%
Min Deposit $1 Details Ages: 12 and younger; Qualifying balance up to $1,000.00; Dividends paid quarterly; Apply online or in branch Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 10.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Kids Club balance	9.65%	10.00%
Details up to $1,000; Balance up to $1,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 10.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Christmas Club balance	5.00%	5.09%
Details up to $1,000; Balance up to $1,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.09% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Christmas Club Savings	-	5.09%
Details Advertised as up to 5.09% APY; APY paid on balance up to $1,000; competitive rate on higher balance; Available as Savings/Checking/IRA/HSA Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.09% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.75%	2.78%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 2.78% ▲ 0.05 pts · high 2.78% / low 2.73% Oct 9, 20262.78%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Money Market Account - Smart Savers	-	2.73%
Min Deposit $5 Min Balance $0 Details As high as 2.73% APY; rates tiered by balance ranges (see Rates page for details); 6 tiers offered; no minimum average daily balance; $2,500 starts earning higher interest than a savings account; no monthly fee; APY if requirements not met: Same as Regular Savings Account; paid monthly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.73% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.70%	2.73%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.68% → 2.73% ▲ 0.05 pts · high 2.73% / low 2.68% Oct 9, 20262.73%▲ from 2.68% Sep 14, 20262.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.60%	2.63%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.50%	2.53%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.40%	2.43%
Min Balance $10,000 Details Balance: $10,000 -$24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.30%	2.32%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.32% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Health Savings Account (HSA)	0.75%	0.75%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Boost Teen Account Savings	0.50%	0.50%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Regular Shares/Special/Vacation	0.30%	0.30%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	0.30%	0.30%
Min Balance $100 Details Balance: $100-$2,499.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Money Market Rates

Product	Rate	APY
Money Market Account - Prime	-	3.55%
Min Deposit $5 Min Balance $10,000 Details Qualifications Required; Minimum average daily balance $10,000; no monthly fee if balance requirement not met; APY if requirements not met: Same as Regular Savings Account; paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Prime Money Market	3.50%	3.55%
Min Balance $10,000 Details Qualifications Required; Balance: $10,000 -$500,000; Minimum of $10,000 ADB; interest calculated on average daily balance (ADB) monthly and paid at month-end Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30% Oct 9, 20263.55%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.75%	2.78%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 2.78% ▲ 0.05 pts · high 2.78% / low 2.73% Oct 9, 20262.78%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Money Market Account - Smart Savers	-	2.73%
Min Deposit $5 Min Balance $0 Details As high as 2.73% APY; rates tiered by balance ranges (see Rates page for details); 6 tiers offered; no minimum average daily balance; $2,500 starts earning higher interest than a savings account; no monthly fee; APY if requirements not met: Same as Regular Savings Account; paid monthly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.73% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.70%	2.73%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.68% → 2.73% ▲ 0.05 pts · high 2.73% / low 2.68% Oct 9, 20262.73%▲ from 2.68% Sep 14, 20262.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.60%	2.63%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.50%	2.53%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.40%	2.43%
Min Balance $10,000 Details Balance: $10,000 -$24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.30%	2.32%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.32% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	0.30%	0.30%
Min Balance $100 Details Balance: $100-$2,499.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.10%	0.10%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10-Year Conventional Mortgage - Home Purchase	-	-	6.00%	10 years
Details Loan Type: Home Purchase; Rates effective as of 10/9/2026; Rates cited are the lowest available and vary based on credit score Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
15-Year Conventional Mortgage - Home Purchase	-	-	6.375%	15 years
Details Loan Type: Home Purchase; Rates effective as of 10/9/2026; APR = Annual Percentage Rate. Rates cited are the lowest available and vary based on credit score. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
20-Year Conventional Mortgage - Home Purchase	-	-	6.875%	20 years
Details Loan Type: Home Purchase; Rates cited are the lowest available and vary based on credit score; Rates effective as of 10/9/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
30 Year Conventional Mortgage - Home Purchase	-	-	7.125%	30 years
Details Loan Type: Home Purchase; Rates effective 10/9/2026; APR is the lowest available and varies based on credit score Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.13% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto, Truck, SUV & Van	-	-	4.24%	30 months
Details Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2021 Auto, Truck, SUV & Van	-	-	4.49%	30 months
Details As Low As; Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% discount for automatic payment Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van	-	-	4.49%	42 months
Details Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2021 Auto, Truck, SUV & Van	-	-	4.74%	42 months
Details As Low As; Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% discount for automatic payment Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van	-	-	4.74%	54 months
Details Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2020-2016 Auto, Truck, SUV & Van	-	-	4.99%	30 months
Details Model Year: 2020-2016; Rates effective as of 10/01/2026; Includes .25% automatic payment discount; Rates cited are lowest available and vary based on credit score Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2021 Auto, Truck, SUV & Van	-	-	4.99%	54 months
Details As Low As; Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% discount for automatic payment Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van	-	-	4.99%	66 months
Details Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2020-2016 Auto, Truck, SUV & Van	-	-	5.24%	42 months
Details Model Year: 2020-2016; Rates effective as of 10/01/2026; Includes .25% automatic payment discount; Rates cited are lowest available and vary based on credit score Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2021 Auto, Truck, SUV & Van	-	-	5.24%	66 months
Details As Low As; Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% discount for automatic payment Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2020-2016 Auto, Truck, SUV & Van	-	-	5.49%	54 months
Details Model Year: 2020-2016; Rates effective as of 10/01/2026; Includes .25% automatic payment discount; Rates cited are lowest available and vary based on credit score Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van	-	-	5.49%	78 months
Details Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2020-2016 Auto, Truck, SUV & Van	-	-	5.74%	66 months
Details Model Year: 2020-2016; Rates effective as of 10/01/2026; Includes .25% automatic payment discount; Rates cited are lowest available and vary based on credit score Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2021 Auto, Truck, SUV & Van	-	-	5.74%	78 months
Details As Low As; Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% discount for automatic payment Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2020-2016 Auto, Truck, SUV & Van	-	-	6.24%	72 months
Details Model Year: 2020-2016; Rates effective as of 10/01/2026; Includes .25% automatic payment discount; Rates cited are lowest available and vary based on credit score; 72-month loan must be greater than $15,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van	-	-	6.24%	84 months
Details Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment; 84-month loan must be greater than $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2021 Auto, Truck, SUV & Van	-	-	6.49%	84 months
Details As Low As; Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% discount for automatic payment; 84-month loan must be greater than $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2015-2006 Auto, Truck, SUV & Van	-	-	8.74%	30 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2015-2006 Auto, Truck, SUV & Van	-	-	8.99%	42 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2015-2006 Auto, Truck, SUV & Van	-	-	9.24%	54 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2015-2006 Auto, Truck, SUV & Van	-	-	9.49%	60 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	5.74%	30 months
Details Rates effective as of 10/01/2026; loan rates vary by credit score Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Motorcycle Loan	-	5.99%	42 months
Details Rates effective as of 10/01/2026; loan rates vary by credit score Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Motorcycle Loan	-	6.24%	54 months
Details Rates effective as of 10/01/2026; loan rates vary by credit score Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Motorcycle Loan	-	6.49%	66 months
Details Rates effective as of 10/01/2026; loan rates vary by credit score Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2023 Motorcycle Loan	-	6.74%	30 months
Details Rates effective as of 10/01/2026; rates are lowest available, vary by credit score, and include a .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2023 Motorcycle Loan	-	6.99%	42 months
Details Rates effective as of 10/01/2026; rates are lowest available, vary by credit score, and include a .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Motorcycle Loan	-	6.99%	72 months
Details Rates effective as of 10/01/2026; loan rates vary by credit score; 72-month loan must be greater than $20,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2023 Motorcycle Loan	-	7.24%	54months
Details Rates effective as of 10/01/2026; rates are lowest available, vary by credit score, and include a .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2023 Motorcycle Loan	-	7.49%	60 months
Details Rates effective as of 10/01/2026; rates are lowest available, vary by credit score, and include a .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Boat Loan	-	7.74%	30 months
Details Rates effective as of 10/01/2026; lowest available, vary by credit score Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Boat Loan	-	7.99%	42 months
Details Rates effective as of 10/01/2026; lowest available, vary by credit score Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2023 Boat - 30 months Loan	-	8.24%	30 months
Details Loan rates determined by credit score; lowest possible rates include .25% discount for automatic payment; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Boat Loan	-	8.24%	54 months
Details Rates effective as of 10/01/2026; lowest available, vary by credit score Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2023 Boat - 42 months Loan	-	8.49%	42 months
Details Loan rates determined by credit score; lowest possible rates include .25% discount for automatic payment; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Boat Loan	-	8.49%	66 months
Details Rates effective as of 10/01/2026; lowest available, vary by credit score Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Boat Loan	-	8.74%	30 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Motorcycle Loan	-	8.74%	30 months
Details Rates effective as of 10/01/2026; APR; rates are lowest available, vary based on credit score, and include .25% discount for automatic payment Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2023 Boat - 54 months Loan	-	8.74%	54 months
Details Loan rates determined by credit score; lowest possible rates include .25% discount for automatic payment; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New and Used ATV, Personal Watercraft, Travel Trailer, & Camper Loan	-	8.74%	30 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Boat Loan	-	8.99%	42 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Motorcycle Loan	-	8.99%	42 months
Details Rates effective as of 10/01/2026; APR; rates are lowest available, vary based on credit score, and include .25% discount for automatic payment Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2023 Boat - 60 months Loan	-	8.99%	60 months
Details Loan rates determined by credit score; lowest possible rates include .25% discount for automatic payment; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New and Used ATV, Personal Watercraft, Travel Trailer, & Camper Loan	-	8.99%	42 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Boat Loan	-	8.99%	72 months
Details Rates effective as of 10/01/2026; lowest available, vary by credit score; 72-month loan must be greater than $20,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Boat Loan	-	9.24%	54 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Motorcycle Loan	-	9.24%	54 months
Details Rates effective as of 10/01/2026; APR; rates are lowest available, vary based on credit score, and include .25% discount for automatic payment Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New and Used ATV, Personal Watercraft, Travel Trailer, & Camper Loan	-	9.24%	54 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Boat Loan	-	9.49%	60 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Motorcycle Loan	-	9.49%	60 months
Details Rates effective as of 10/01/2026; APR; rates are lowest available, vary based on credit score, and include .25% discount for automatic payment Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New and Used ATV, Personal Watercraft, Travel Trailer, & Camper Loan	-	9.49%	60 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Credit Card Rates

Product	Rate	APR
Visa Classic	-	10.90%
Details APR range: 10.90% - 19.90%; Visa Credit Card; no annual fees, no balance transfer fees, no cash advance fees, no over-the-limit fees, no foreign transaction fees, no minimum finance charges, no late-payment penalty interest rates; 25-day grace period Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Visa Platinum	-	10.90%
Details Visa Credit Card; no annual fees, no balance transfer fees, no cash advance fees, no over-the-limit fees, no foreign transaction fees, no minimum finance charges, no late-payment penalty interest rates; 25-day grace period; cash-back rewards Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Personal Loan Rates

Product	APR	Term
New and Used ATV, Personal Watercraft, Travel Trailer, & Camper Loan	8.74%	30 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New and Used ATV, Personal Watercraft, Travel Trailer, & Camper Loan	8.99%	42 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New and Used ATV, Personal Watercraft, Travel Trailer, & Camper Loan	9.24%	54 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New and Used ATV, Personal Watercraft, Travel Trailer, & Camper Loan	9.49%	60 months
Details Rates effective as of 10/01/2026; lowest available, vary based on credit score; includes .25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Century Fixed Rate Equity	-	-	6.25%	5 Year
Details Home Equity Loan; Rates cited are the lowest available and vary based on credit score Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Century Fixed Rate Equity	-	-	6.50%	10 Year
Details Home Equity Loan; Rates cited are the lowest available and vary based on credit score Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Century Fixed Rate Equity	-	-	7.00%	15 Year
Details Home Equity Loan; Rates cited are the lowest available and vary based on credit score Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Century Preferred Equity Loan	-	-	6.00%	5 Year
Details Home Equity Loan; Rates cited are the lowest available and vary based on credit score Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Century Preferred Equity Loan	-	-	6.25%	10 Year
Details Home Equity Loan; Rates cited are the lowest available and vary based on credit score Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Century Preferred Equity Loan	-	-	6.75%	15 Year
Details Home Equity Loan; Rates cited are the lowest available and vary based on credit score Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
DebtBuster/No Equity Loan	-	-	10.00%	5-year payback
Details 5-year payback Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Line of Credit	-	-	10.90%
Details Range: 10.90% APR* - 19.90% APR*; Rates vary based on credit score Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 10.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Individual Retirement Account (IRA)	0.75%	-	0.75%
Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Quick Stash balance	1.00%	-	1.00%
Details up to $1,000; Balance up to $1,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Youth Account	-	-	10.00%
Details Qualifications apply; Effective: 10/29/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Century Credit Union’s Texas Ratio rose from 0.51% in Q3 2023 to 1.27% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$182M	1.27%	5.0	A+
March 31, 2026	$179M	1.30%	5.0	A+
December 31, 2025	$173M	2.46%	5.0	A+
September 30, 2025	$171M	0.81%	5.0	A+
June 30, 2025	$168M	0.92%	5.0	A+
March 31, 2025	$164M	0.77%	5.0	A+
December 31, 2024	$157M	1.75%	5.0	A+
September 30, 2024	$156M	1.36%	5.0	A+
June 30, 2024	$154M	1.22%	5.0	A+
March 31, 2024	$150M	1.24%	5.0	A+
December 31, 2023	$147M	0.68%	5.0	A+
September 30, 2023	$151M	0.51%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Century Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Century Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Century Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Century Credit Union

Website https://www.centurycu.org

Address 1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125-2405

Phone 314-544-1818

Fax 314-544-2004

President MARK FALKNER

CEO JOSH WALLACE

Full-Time Employees 27

Part-Time Employees 10

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.27%

Return on Assets (ROA)

0.5131%

Return on Equity (ROE)

2.9245%

Non-Performing Loans Ratio (NPL)

0.37%

Total Assets

181,993,352

Total Amount of Shares and Deposits

149,191,810

Total Shares and Deposits < 1 Year

146,852,060

Total Shares and Deposits 1 3 Years

1,811,499

Total Shares and Deposits > 3 Years

528,251

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

11,451,317

Total Uninsured Shares and Deposits > $250K (F+J)

11,451,317

Total Insured Shares and Deposits > $250K (item 17 less item K)

137,740,493

Total Interest Expense (Sum of items 6 8)

1,339,293

Share Certificates

1,360

Number of Accounts for Share Drafts

5,702

IRA KEOGH Accounts

435

Number of Accounts for Regular Shares

12,965

All other shares

Money Market Shares

749

Net Income (unless the amount is already included in Undivided Earnings)

169,561

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

13,760,080

Total Liabilities

150,062,166

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Century Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Century Credit Union

Does Century Credit Union offer CDs?

Yes. Century Credit Union current CD rates include its CD of Deposit (CD) - 60 month at 3.90% APY, its CD of Deposit (CD) - 48 month at 3.85% APY and its CD of Deposit (CD) - 36 month at 3.80% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Century Credit Union NCUA insured?

Yes. Century Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Century Credit Union?

The highest Century Credit Union CD rate is its 6 Month Teen CD at 10.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Century Credit Union offer?

Century Credit Union CD rates are 3.70% APY for a 12 month CD, 3.75% APY for a 2 year CD, 3.80% APY for a 3 year CD, 3.85% APY for a 4 year CD and 3.90% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Century Credit Union for its full lineup.

What is the highest savings rate at Century Credit Union?

The highest Century Credit Union savings rate is its Christmas Club Savings at 5.09% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Century Credit Union?

The highest Century Credit Union money market rate is its Money Market Account - Prime at 3.55% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Century Credit Union?

The highest Century Credit Union checking rate is its Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest mortgage rate at Century Credit Union?

The lowest Century Credit Union mortgage rate is its 10-Year Conventional Mortgage - Home Purchase at 6.00% APR, verified by MonitorBankRates as of October 29, 2026. Century Credit Union mortgage rates are 7.125% APR for a 30 year mortgage, 6.875% APR for a 20 year mortgage, 6.375% APR for a 15 year mortgage and 6.00% APR for a 10 year mortgage.

What is the lowest auto loan rate at Century Credit Union?

The lowest Century Credit Union auto loan rate is its New Auto, Truck, SUV & Van at 4.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Century Credit Union?

The lowest Century Credit Union personal loan rate is its New and Used ATV, Personal Watercraft, Travel Trailer, & Camper Loan at 8.74% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Century Credit Union?

The lowest Century Credit Union credit card APR is its Visa Classic Credit Card at 10.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Century Credit Union operate?

Century Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Century Credit Union?

Yes, to access services at Century Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Century Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Century Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Century Credit Union offer online and mobile banking?

Most modern institutions like Century Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.centurycu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Century Credit Union rates compare?

Century Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. Century Credit Union's top rates are its 6 Month Teen CD at 10.00% APY, its Christmas Club Savings at 5.09% APY, its Money Market Account - Prime at 3.55% APY, its Checking at 0.10% APY, its 10-Year Conventional Mortgage - Home Purchase at 6.00%, its New and Used ATV, Personal Watercraft, Travel Trailer, & Camper Loan at 8.74% APR and its Visa Classic Credit Card at 10.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Century Credit Union Rates

12-Month CD3.70%
24-Month CD3.75%
60-Month CD3.90%
Savings5.09%
MMA3.55%

Retrieved from our database of financial products. Rates subject to change.

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Century Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Century Credit Union Texas Ratio

Century Credit Union Health Trend

Century Credit Union CD Rates

Century Credit Union Savings Rates

Century Credit Union Money Market Rates

Century Credit Union Checking Rates

Century Credit Union Mortgage Rates

Century Credit Union Auto Loan Rates

Century Credit Union RV, Boat and Powersport Loan Rates

Century Credit Union Credit Card Rates

Century Credit Union Personal Loan Rates

Century Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Century Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Century Credit Union

Does Century Credit Union offer CDs?

Are CDs from Century Credit Union NCUA insured?

What is the highest CD rate at Century Credit Union?

What CD terms does Century Credit Union offer?

What is the highest savings rate at Century Credit Union?

What is the highest money market rate at Century Credit Union?

What is the highest checking rate at Century Credit Union?

What is the lowest mortgage rate at Century Credit Union?

What is the lowest auto loan rate at Century Credit Union?

What is the lowest personal loan rate at Century Credit Union?

What is the lowest credit card APR at Century Credit Union?

How many branches does Century Credit Union operate?

Is a member application needed to join Century Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Century Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Century Credit Union rates compare?

Current Century Credit Union Rates

Compare to Other Credit Unions