Save More

• Better rates mean more money staying in your pocket.
• Make your paycheck go further.
• Save more with smart savings options.
• 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.
• Health Savings Accounts.
• Opportunities to strengthen your savings habits.
• Traditional and Roth IRAs offered.
• 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.
• Every dollar saved today creates more opportunities tomorrow.
• A stronger savings account creates a stronger future.

Borrow For Less

• Every dollar borrowed should cost less.
• Below-market auto financing.
• Affordable mortgage solutions, with as little as 5% down & no Private Mortgage Insurance (PMI).
• 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.
• Financing options for life's big purchases.
• Consolidate debt.
• Refinance high-interest loans.
• Lower borrowing costs can free up money for other priorities.
• Finance a vehicle up to 20 years old.
• Flexible terms on lending products.
• 60-month terms available on personal loans for budget-friendly payments.
• 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.
• 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.
• Fixed rates on mortgage loans.
• Fixed rates on credit cards.
• No cash advance fees on credit cards.
• No annual fee on credit cards.

Earn Rewards

• Profits are shared with those who have accounts.
• 2% quarterly interest rebates on all loans by meeting some simple requirements.
• Skip-a-payment option earned for making scheduled loan payments on time.
• Get more value from every transaction.
• Cash-back rewards on debit card purchases.
• Cash-back rewards on Visa® Platinum credit card purchases.
• Your membership becomes a partnership.
• Earn $5.00 monthly rewards (=$60/annually).
• $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!

 Bank Anywhere

• Modern digital banking tools
• 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.
• Century is where personal service meets financial innovation.
• Online bill pay simplifies your monthly routine.
• Online bill pay is free with no strings attached.
• Easy access to financial information.
• Banking technology is designed to save time and reduce hassle.
• Free dark web monitoring and other free tools within online banking.
• Credit and debit cards that can be linked to mobile (digital) wallets.
• 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.
• 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.

 Feel Confident

• Over 72 years of helping local individuals and families with their financial needs.
• High Google review ratings by members – 4.6 stars out of 5.0.
• 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.
• Deposits are federally insured by NCUA, a U.S. government agency.
• A commitment to ethical business practices.
• 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.
• 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.
• The credit union difference is measured in member success stories.

 Experience Better Service

• Have confidence in knowing your financial institution is looking out for your best interests.
• Your money should work harder for you.
• Get guidance when buying a car.
• Get support when purchasing a home.
• Century helps members navigate life's biggest financial milestones.
• Clear explanations help members understand their options before making decisions.
• Fast, local loan decisions can save valuable time.
• Credit Builder loans for those who have little or no credit history or are struggling to improve their score.
• 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.
• Banking should help reduce stress, not create it.
• Strong security and fraud-prevention tools that protect members.
• Financial opportunities should be available regardless of income level.
• Assistance in improving credit.
• Get support during financial challenges.
• Century takes time to understand your needs and goals before recommending solutions.
• Easy application process.
• Convenient payment options.
• Resources that help you make informed financial decisions.
• On-the-spot Century financing at most area auto dealerships.
• Build stronger financial habits.
• Century invests in new technology to improve the member experience.
• Your trust becomes our responsibility.
• Financial solutions for every life stage.
• A team that celebrates your financial wins.
• Financial support when life changes unexpectedly.
• Member success drives every strategic decision Century makes.
• Century is owned by the people who use it — not outside investors.
• Your financial success matters.
• Support for growing families.
• Free checking, with interest paid.
• Drive-up service available through 5:30 p.m. weekdays and until 6:00 p.m. on Fridays.
• 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.
• Access to experienced financial professionals.
• Financial solutions for changing circumstances.
• A stronger connection to your financial institution.
• 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.
• Convenient account opening processes.
• Financial calculators on our website you can use to see how much you can save, borrow, or earn.
• 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.
• Helpful people who genuinely care.
• Achieve more without paying more.
• 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.
• Fewer and lower fees charged, because life is expensive enough.
• You're joining people who help.
• Membership provides access to exclusive products not commonly found elsewhere.
• 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.
• Convenient tools help members monitor spending, saving, and borrowing.
• Products designed to help members “get more from their money."
• 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.
• Members gain the knowledge and tools needed to make confident choices.
• 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.
• 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.
• 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.
• 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.
• 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.
• Financial peace of mind is priceless.
• Members stay because they receive value, trust, convenience, and personal service.

Youth Accounts

• 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.
• 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.
  
• Free $1,000 Accidental Death & Dismemberment (AD&D) insurance to members age 18+

Support Your Community

• Keep money working locally.
• We’re 100% local.
• Strengthen local businesses.
• Century reinvests in and strengthens the communities it serves.
• Local experts who understand local needs.
• A trusted partner for major financial decisions.
• Century supports financial stability for families throughout the community.
• $5,000 awarded annually in scholarships to teens.
• Serving the local community since 1954.
• Local lending keeps money circulating within the communities we serve.
• A trusted name in financial services.
• Deep commitment to giving back to the community.
• Local decision-makers understand the needs of our community.
• Scholarships are awarded annually to teens ages 13-15 and 16-18.