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Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 CenturyFirst Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 9, 2026
CenturyFirst Federal Credit Union's top rates as of October 9, 2026 are 2.55% APY on its 48 Month CD Account, 0.60% APY on savings, 0.45% APY on money market accounts, personal loans from 10.25% APR, and credit cards from 16.50% APR, according to rates verified by MonitorBankRates. Other CenturyFirst Federal Credit Union CD rates include 60 Month CD Account at 2.55%, 36 Month CD Account at 2.40%, and 24 Month CD Account at 2.05%. MonitorBankRates evaluates the financial stability of CenturyFirst Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.18%. Rates last updated and verified on 10/09/2026. CenturyFirst Federal 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 CenturyFirst Federal Credit Union? Share your experience about CenturyFirst Federal Credit Union by leaving a review below, or read customer reviews before you decide to use CenturyFirst Federal Credit Union. CenturyFirst Federal Credit Union
Main Office 3318 HARDY ST
https://centuryfirstfcu.com HATTIESBURG, MS 39401-6962  Customer Reviews
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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. CenturyFirst Federal Credit Union CD Rates
CenturyFirst Federal Credit Union Savings Rates
CenturyFirst Federal Credit Union Money Market Rates
CenturyFirst Federal Credit Union Home Equity & HELOC
CenturyFirst Federal Credit Union Auto Loan Rates
CenturyFirst Federal Credit Union RV, Boat and Powersport Loan Rates
CenturyFirst Federal Credit Union Credit Card Rates
CenturyFirst Federal Credit Union Personal Loan Rates
CenturyFirst Federal Credit Union Other Rates
Financial Health HistoryCenturyFirst Federal Credit Union’s Texas Ratio fell from 16.76% in Q3 2023 to 9.18% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.9 to 5.0 and its Health Grade from A- to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for CenturyFirst Federal 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 CenturyFirst Federal 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 CenturyFirst Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
CenturyFirst Federal Credit Union
Website
https://centuryfirstfcu.com
Address
3318 HARDY ST,
HATTIESBURG, MS 39401-6962
Phone
601-450-4114
Fax
601-261-5305
President
TOMMY ROCCONI
CEO
John Harmond
Full-Time Employees
52
Part-Time Employees
2
Branch Locations
7
ATM Locations
5
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.18%
Return on Assets (ROA)
0.4371%
Return on Equity (ROE)
3.2412%
Non-Performing Loans Ratio (NPL)
1.80%
Total Assets
144,864,324
Total Amount of Shares and Deposits
124,845,742
Total Shares and Deposits < 1 Year
120,229,905
Total Shares and Deposits 1 3 Years
4,193,303
Total Shares and Deposits > 3 Years
422,534
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,957,075
Total Uninsured Shares and Deposits > $250K (F+J)
3,957,075
Total Insured Shares and Deposits > $250K (item 17 less item K)
120,888,667
Total Interest Expense (Sum of items 6 8)
1,291,502
Share Certificates
689
Number of Accounts for Share Drafts
7,513
IRA KEOGH Accounts
192
Number of Accounts for Regular Shares
17,365
Non Member Deposits
5
Money Market Shares
44
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)
12,836,332
Total Liabilities
125,568,281
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for CenturyFirst Federal Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for CenturyFirst Federal Credit Union
Frequently Asked Questions About CenturyFirst Federal Credit UnionHow many branches does CenturyFirst Federal Credit Union operate?CenturyFirst Federal 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 CenturyFirst Federal Credit Union?Yes, to access services at CenturyFirst Federal 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, CenturyFirst Federal 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, CenturyFirst Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does CenturyFirst Federal Credit Union offer online and mobile banking?Most modern institutions like CenturyFirst Federal 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://centuryfirstfcu.com. Current CenturyFirst Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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