• Profits are shared with those who have accounts.
• Have confidence in knowing your financial institution is looking out for your best interests.
• Your money should work harder for you.
• Every dollar borrowed should cost less.
• 2% quarterly interest rebates on all loans by meeting some simple requirements.
• Below-market auto financing.
• Get guidance when buying a car.
• Affordable mortgage solutions, with as little as 5% down & no Private Mortgage Insurance (PMI).
• Get support when purchasing a home.
• Mortgage refinancing opportunities.
• Instant-issue Visa® debit cards and credit cards.
• Contactless Visa® cards for a secure, convenient and touch-free way to pay at checkout.
• Credit card rates as low as 10.90% APR.
• No credit card balance transfer fees.
• 25-day “interest-free” grace period on Century Visa® credit cards.
• Personalized answers instead of generic responses.
  
• Keep money working locally.
• Over 72 years of helping local individuals and families with their financial needs.
• We’re 100% local.
• Strengthen local businesses.
• High Google review ratings by members – 4.6 stars out of 5.0.
  
• Century helps members navigate life's biggest financial milestones.
• Financing options for life's big purchases.
• Clear explanations help members understand their options before making decisions.
• Consolidate debt.
• Refinance high-interest loans.
• Lower borrowing costs can free up money for other priorities.
• Fast, local loan decisions can save valuable time.
• Finance a vehicle up to 20 years old.
• Flexible terms on lending products.
• Credit Builder loans for those who have little or no credit history or are struggling to improve their score.
• Recognized as a finalist for “Best Credit Union in St Louis” three years in a row in St. Louis Magazine’s “A-List” competition.
• Also a finalist for “Best Mortgage in St. Louis” in 2025.
• Personal loans for just about any reason, with rates as low as 8.99% APR.
• 60-month terms available on personal loans for budget-friendly payments.
• Strong relationships create stronger financial outcomes.
  
• A human answers the phone when you call rather than an automated attendant.
• Free financial guidance from certified counselors on staff.
• Bilingual staff, fluent in Spanish and Bosnian.
• Products that support everyday banking needs.
  
• A commitment to continuous improvement.
• Members have a voice in the future of their credit union.
• Banking shouldn't be complicated.
• You deserve transparency.
• Integrity matters.
• Century reinvests in and strengthens the communities it serves.
• Banking should help reduce stress, not create it.
• Modern digital banking tools.
  
• Strong security and fraud-prevention tools that protect members.
• Access to home equity for projects or debt consolidation.
• Home equity financing is straightforward.
• No-closing-cost options on home equity loans and lines of credit to save you money.
• Financial opportunities should be available regardless of income level.
• Assistance improving credit.
• Mobile banking fits your lifestyle.
• Highly rated mobile app by members – 4.9 of 5 stars on the App Store and 4.6 stars on Google Play.
• Online banking saves you time.
• Real-time account access helps you stay in control of your finances.
• Manage accounts, transfers, and payments from one secure platform.
• Mobile check deposit keeps you from making extra trips to branches.
• Account alerts keep you informed.
• Get support during financial challenges.
• Century takes time to understand your needs and goals before recommending solutions.
  
• Better rates mean more money staying in your pocket.
• Easy application process.
• Convenient payment options.
• Resources that help you make informed financial decisions.
• Local experts who understand local needs.
• On-the-spot Century financing at most area auto dealerships.
• Up to 125% financing on vehicles.
• Up to 84-month terms on vehicle loans.
• Up to 50% savings on add-on options for vehicle loans.
• A trusted partner for major financial decisions.
• Make your paycheck go further.
• Build stronger financial habits.
• Century invests in new technology to improve the member experience.
• Your trust becomes our responsibility.
• Century supports financial stability for families throughout the community.
• Financial solutions for every life stage.
• $5,000 awarded annually in scholarships to teens.
• A team that celebrates your financial wins.
• Financial support when life changes unexpectedly.
  
• Century is where personal service meets financial innovation.
• Serving the local community since 1954.
• Local lending keeps money circulating within the communities we serve.
  
• Member success drives every strategic decision Century makes.
• Century is owned by the people who use it — not outside investors.
  

• Save more with smart savings options.
• Deposits are federally insured by NCUA, a U.S. government agency.
• Monthly CD specials and high rates on standard-term CDs, too.
• Flex CD allows a one-time rate increase during the term.
• CDs with terms as short as 6 months to as long as 60 months.
• Earn between 2.32% APY and 2.73% APY on a Smart Savers Money Market Account, depending on your balance.
• Prime Money Market Account paying 3.30% APY.
• Christmas Club Account paying 5.09% APY.
  
• Your financial success matters.
• Health Savings Accounts.
• Support for growing families.
• Youth accounts make banking fun.
• Your children learn the value of saving early and watch their money grow faster.
• Youth savings accounts earn 10.00% APY!
• Transaction-based savings incentives for kids ages 12 and under.
• Free bag of goodies given to kids when their account is opened at a branch.
• Teen savings and spending products encourage financial responsibility.
• Special CD for teens pay 10.00% APY!
• Scholarships are awarded annually to teens ages 13-15 and 16-18.
  
• Free checking, with interest paid.
• Branches open Monday through Saturday.
• Drive-up service available through 5:30 p.m. weekdays and until 6:00 p.m. on Fridays.
• A commitment to ethical business practices.
• Opportunities to strengthen your savings habits.
• Banking designed to fit your lifestyle.
• Support for achieving financial independence.
• Members can speak with people empowered to solve problems.
• Convenient ways to move money.
• Your finances are always accessible.
• Our financial strength helps ensure we can continue serving you reliably through economic ups and downs, changing interest rates, and unexpected challenges.
• A long history of sound financial management.
• 5-star “Superior” ratings from BauerFinancial every quarter since December 1994.
• Recognized by S&P Global Market Intelligence as one of the strongest credit unions in the country.
• Access to experienced financial professionals.
• Financial solutions for changing circumstances.
• Skip-a-payment option earned for making scheduled loan payments on time.
• A stronger connection to your financial institution.
• Online bill pay simplifies your monthly routine.
• Online bill pay is free with no strings attached.
• A commitment to member satisfaction.
• Flexible options when financial needs change.
• Support for reaching savings goals.
  
• Tools that help prevent fraud.
• Financial products designed to create value.
• A member-first philosophy.
  
• Paper or electronic statements – your choice, with no charge for either.
• Free notary service.
• An organization focused on service excellence.
• Solutions for children, adults, and retirees.
• Traditional and Roth IRAs offered.
• Teens can get a debit card starting at age 13.
• Teens can get a low-limit credit card when they’re 16.
• Bonus award for teens when they turn 18 years old.
  
• Easy access to financial information.
• Convenient account opening processes.
• Banking technology is designed to save time and reduce hassle.
• Free dark web monitoring and other free tools within online banking
• Financial calculators on our website you can use to see how much you can save, borrow, or earn.
• Credit and debit cards that can be linked to mobile (digital) wallets.
• Private student loans offered in partnership with Sallie Mae, a financial services company.
• Helpful online and in-branch resources on student loans.
• Support when making important financial choices.
• Membership connects you to an organization that values your voice.
• A local team invested in your success.
• Financial solutions with a personal approach.
  
• Overdraft protection priced lower than most other institutions.
• A low-cost overdraft line of credit is also available.
• More opportunities to reach financial goals.
• Products that help simplify money management.
• Consistent support through life's milestones.
• Convenient options for managing loans.
• Fixed rates on mortgage loans.
• Fixed rates on credit cards.
• Helpful people who genuinely care.
• Achieve more without paying more.
• A trusted name in financial services.
• Every major decision is evaluated through the lens of member value.
• We finance summer fun – personal watercraft, boats, ATVs, and motorcycles.
• Personalized attention when it matters most.
• Local service with modern convenience.
• Century helps members make informed decisions with confidence.
• Your dreams deserve support.
  
• Service that goes beyond transactions.
• Products designed to encourage financial growth.
  
• Personalized recommendations based on your needs.
• The right financial partner can make all the difference.
• Local decision-makers understand the needs of our community.

• Get more value from every transaction.
• Cash-back rewards on debit card purchases.
• Cash-back rewards on Visa® Platinum credit card purchases.
• Fewer and lower fees charged, because life is expensive enough.
• Your membership becomes a partnership
• You're joining people who help.
• Membership provides access to exclusive products not commonly found elsewhere.
• Trusted by generations.
• Voted as “Best Credit Union in Jefferson County" in 2025 and a finalist for “Best Credit Union in Jefferson County” in 2026 in Leader Publications’ annual competition.
• Deep commitment to giving back to the community.
• Convenient access to cash through shared branching and ATM networks.
• 40+ local shared branches and more than 5,500 across the country.
• 250+ free ATMs locally and 37,000+ nationwide.
• Members benefit from a culture built on service rather than sales pressure.
• Personalized answers instead of generic responses.
• A unique Family Fund program.
• Your loyalty should be rewarded.
• Earn $5.00 monthly rewards (=$60/annually).
• Debit card purchases can be rounded up to the nearest dollar and automatically deposited into a special savings account paying higher interest than regular savings.
• Convenient tools help members monitor spending, saving, and borrowing.
  
• Products designed to help members “get more from their money."
• The credit union difference is measured in member success stories.
• Once you become a member, you can remain for life, even if you move.
• Financial confidence grows when you have trusted experts on your side.
• Century is committed to helping members reach goals faster.
• Every interaction is guided by a desire to serve, not sell.
• Century helps transform financial dreams into reality.
• Your future deserves more than a one-size-fits-all solution.
• Century makes it easier to stay focused on what matters most.
  
• Free $1,000 Accidental Death & Dismemberment (AD&D) insurance to members age 18+.
• Members gain the knowledge and tools needed to make confident choices.
• No cash advance fees on credit cards.
• No annual fee on credit cards.
• Every product is designed to create value for members.
• Financial success is easier when you have a team behind you.
  
• Free coin-counting machines in our branches.
• Night-drop deposit boxes for those late-night transactions.
  
• Get answers from local experts instead of a distant call center.
• Financial education helps members make smarter money decisions.
• Personalized solutions replace one-size-fits-all banking.
• Send and receive money quickly through modern digital payment solutions.
• Make domestic and international wire transfers.
• Financial solutions are designed to be practical, accessible, and valuable.
• Products are developed to solve real member needs, not maximize profits.
• Membership stays with you through every stage of life, from your first savings account to retirement.
• Purchase discounted movie tickets, stamps, and Visa® gift cards at our branches.
• Century helps members prepare for both expected and unexpected life events.
• Century provides solutions that grow with your needs over time.
• The credit union difference means your success is always the priority.
• A relationship with Century can help simplify your entire financial life.
  
• Scholarships are awarded annually to teens ages 13-15 and 16-18.
• Financial freedom begins with the right foundation.
• Grow wealth one step at a time.
• Easy-to-use financial tools and services.
• Because your financial institution should know your name, not just your account number.
• Popcorn Fridays.
• Pet-friendly branches.
• Every dollar saved today creates more opportunities tomorrow.
• Century helps turn financial goals into achievable plans.
• Real people answer questions and provide solutions.
• Support provided before, during, and after major financial decisions.
• Century helps remove barriers to financial progress.
• Member discount on auto, home, condo, and renter's insurance.
  
• Small financial improvements today can create significant results tomorrow.
• Century helps members prepare for opportunities before they arise.
• A stronger savings account creates a stronger future.
• Century helps families build financial stability across generations.
• Members receive support during both challenges and successes.
• Financial products that evolve with your goals.
• A focus on long-term relationships instead of short-term gains.
• $306 in direct financial benefits received by Century members, on average.
• $643 in direct financial benefits received by Century member households, on average.
• $1,355 in direct financial benefits received by loyal, high-use member households.
• Total value received by our members in a recent 12-month period: $2.81 million!
• Financial peace of mind is priceless.
• Members stay because they receive value, trust, convenience, and personal service.

Special Offers¹

Savings

Every great savings journey starts somewhere. Open a new savings account, and we'll reward you with a $25 bonus to help you reach your goals faster. Offer applies to teen and adult accounts.  

Auto Loan Refi

Move your auto loan to Century Credit Union and receive up to a $250 bonus², plus the option to defer your first payment for up to 60 days³. Refinancing your loan could save you hundreds – or even thousands – of dollars in interest over the life of your loan. Depending on your situation, you may also be able to shorten your repayment term while lowering your monthly payment. Contact us at 314.544.1818 or loans@centurycu.org for a no-obligation review. We'll show you how much you could save and whether refinancing with Century makes sense for you.

Mortgage, Home Equity Loan, Home Equity Line of Credit

Finance a qualifying mortgage or home equity loan/line of credit with Century Credit Union and receive $250 off your closing costs.

¹All offers valid through August 31, 2026. Must mention these deals when opening new savings account and applying for loan.

²Bonus paid at closing and is based on 1.00% of the loan balance. Examples: $15,000 loan balance = $150 bonus. $20,000 loan balance = $200 bonus. $25,000+ loan balance = $250 bonus.

³First payment due date may be extended up to 60 days from the day of funding. Interest accrues from the date of funding.