After a standout year in 2025, we shared $150,000 in surplus earnings with members two ways:
- A 2% bonus dividend on deposit accounts
- A 2% loan interest rebate on member loans
Because we’re a not-for-profit financial institution and owned by everyone who saves and borrows with us, we reinvest earnings directly back to them through higher dividends, lower loan rates, fewer fees — and year-end givebacks like this.
Member-owned means member-benefiting
More than 8,300 members received a surprise, year-end payout from us, with over 1,000 receiving $50 or more, and 318 getting $100+. The largest individual bonus was $792.29.
This initiative reflects our strong capital position and our focus on returning value to members based on how much they save and borrow with Century Credit Union.
How bonuses were calculated
Bonus Dividend (Savers)
Total dividends that a member earned on all their Century deposit accounts in 2025 × 2%
Loan Interest Rebate (Borrowers)
Total interest that a member paid on all their Century loans in 2025 × 2%
Members who saved and borrowed with Century and had their eligible accounts are in good standing receive both payouts!
More Rewards, More Often
Instead of waiting for a year-end bonus, eligible members can earn a $5 Loyalty Reward each month — up to $60 annually — simply by using their Century accounts.
To qualify each month, just:
✔ Have a Century checking account
✔ Direct deposit $250 or more
✔ Make 10+ card swipes (debit and credit card transactions can be combined)
✔ Log into online banking at least once
✔ Maintain a combined average daily balance of $500 across all deposit accounts (not per individual account type)
PLUS — eligible members can earn a quarterly loan interest rebate when meeting the checking, direct deposit, and transaction requirements.
This new profit-sharing program will begin in February 2026. Learn more.