Earn more on your deposits with a Money Market Account – designed to help you grow savings faster while maintaining access to your funds.
Our Smart Savers Money Market account features tiered rates up to 2.73% APY1 so the more you add, the more you earn.
Our Money Market rates start at 2.32% APY, which is 14x more than the average rate that local credit unions are paying on regular savings accounts.4
Transfer funds from low-yield deposit accounts you have elsewhere to earn your best return with Century.
Adding a checking account with direct deposit, eStatements, and a Visa credit card qualifies you for even a higher deposit rate at Century – 3.30% APY5 – if you keep these relationships active 6
! This market-leading rate applies to balances of $10,000-$500,000! .
1 APY = Annual Percentage Yield. Paid monthly. Rates are variable and subject to change without notice. If the average daily balance (ADB) on a Smart Savers account is less than $2,500, the regular savings account APY is earned. Six tiers (based on balances) are offered on Smart Savers accounts, with the top tier earning 2.73% APY. Click here to view all rates. A money market account is a federally insured deposit account and not to be confused with a money market fund, which is an investment product that is not federally insured, can lose value, and eat into your returns because there's a fee you have to pay.
2 Limited to up to six withdrawals per month.
3 When the ADB reaches $2,500, you'll earn 2.32% APY, compared to a regular Century savings account paying 0.30% APY. Even our rate on a regular savings account is far greater than what big banks and some big local credit unions are paying on theirs.
4 Based on comparison to 11 large credit unions in St. Louis, as of 4/29/26. Subject to change.
5 Minimum ADB of $10,000 required; otherwise, the regular savings rate applies. Interest is paid monthly. Rates are variable and subject to change without notice. 3.30% APY applies to balances between $10,000-$500,000.
6 Minimum ongoing direct deposit of $250 per month required. Active checking account, active credit card account (minimum of 3 transactions per month), and eStatement relationship must also be maintained.