250 Ways Your Century Membership Provides Value To You
- 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.
- 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.
- 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!
- 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.
- 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.
- 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 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+
- 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.
