CENTURY CU

Giveback

2025 was a standout year for Century Credit Union

As a not-for-profit financial institution owned by our members — people who choose to save and borrow with us — we shared $150,000 in surplus earnings with them on December 31, 2025. We did this because their trust and loyalty make our success possible.

We shared this giveback in two meaningful ways:

• A 2% bonus dividend on deposit accounts
• A 2% loan interest rebate on member loans
  

Member-owned means member-benefiting

More than 8,000 members received a year-end payout in 2025. That giveback came in addition to everyday advantages — earning higher dividends on savings, CDs and money market accounts; paying lower loan rates; earning cash-back rewards for debit and credit card usage; and avoiding many of the fees commonly charged by other financial institutions.

A recent 12-month rate and fee comparison study of Missouri financial institutions found Century members received an average of $294 in direct financial benefits. Loyal, high-use member households benefited even more, coming out ahead by an average of $1,537.

Our year-end Member Appreciation Giveback reflects Century's strong capital position and our ongoing commitment to returning value to members based on how much they save and borrow with us.

Century has been recognized with 5-star "Superior" ratings for its financial strength from BauerFinancial, an independent financial ratings firm, every quarter since December 31, 1994. Check your own bank or credit union's ratings here.

How bonuses were calculated

Bonus Dividend (Savers)
Total dividends that an individual earned on all their Century deposit accounts in 2025 × 2%

Loan Interest Rebate (Borrowers)
Total interest that an individual paid on all their Century loans (vehicle, personal, mortgage, home equity loan/line of credit, and credit card) in 2025 × 2%

If a member saved and borrowed with Century and their eligible accounts were in good standing, they received both payouts. Members who saved more, borrowed more, or did both receive larger payouts. Overall, 8,368 members shared in a $150,717.83 payout. The highest bonus was $729.29.

Time to make a banking change in 2026?

If the place where you bank is more about using you to make money rather than using money to help you, switch financial institutions and do your personal banking with Century Credit Union.

_{Deposits are federally insured to at least $250,000 by NCUA, a U.S. Government agency. Century is an Equal Opportunity Lender.}