Apply by Nov. 30, 2025, and save $500 or more on a Century mortgage loan. Don’t leave easy money on the table. Discover even more reasons to choose Century for a home loan.
Apply by Nov. 30, 2025, and save $500 or more on a Century mortgage loan. Don’t leave easy money on the table. Discover even more reasons to choose Century for a home loan.
A Money Market Account1 (MMA) is a blend of a savings and checking account. With an MMA, you get the best of both worlds: a much higher interest rate compared to a regular savings account and the added convenience of accessing your funds with checks2 and a debit card.
An MMA is a great tool for saving for significant purchases, as well as shoring up an emergency fund for unexpected expenses.
The more you deposit into our “Smart Savers” MMA, the better your earnings will be.
If you're looking for the highest possible yield, our “Prime” MMA is the way to go. By maintaining additional financial relationships with us, you can unlock our top interest rate.
No matter which option you choose, you'll be optimizing your earnings compared to an everyday savings or checking account.
| Smart Savers | Prime | |
|---|---|---|
| Annual Percentage Yield | As high as 2.84% Rates tiered by balance ranges See Rates page for details | 3.56% |
| # of Tiers Offered | 6 See Rates page for details | 1 |
| Minimum Average Daily Balance Requirement | None ($2,500 starts earning you higher interest than a savings account) | $10,000 |
| Monthly Fee if Balance Requirement Not Met | None | None |
| Other Requirement(s) | None | Ongoing direct deposit (min. of $250 per month) Checking account Active Visa credit card (min. of 3 trans./month) |
| APY if requirement(s) not met | Same as Regular Savings Account | Same as Regular Savings Account |
Contact the credit union if you would like checks to access your money market account.
1 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 Limits apply.
3 Number of withdrawals is limited each month.
APY = Annual Percentage Yield. Paid monthly.
If you don't need immediate access to your funds, a CD is a great way to earn more.
By committing to leave your money untouched for six months or longer, you can take advantage of higher interest rates that CDs offer compared to traditional savings accounts.
The longer you agree to keep your money in the CD, the better the rate you'll typically receive. Plus, the more you invest, the more you'll see your savings grow!
Bottom line: If you're looking to boost your returns, consider locking in your funds for a longer term and depositing more. Your future self will thank you!
The minimum deposit to open an adult CD is $1,000. For teens, $100 is the minimum. Maximum amounts may apply.
You can also choose from a regular CD or an IRA CD; the latter gives you the added benefit of tax-deferred earnings.
1 Withdrawal of funds prior to maturity is subject a penalty, reducing CD earnings.
APY = Annual Percentage Yield. Paid quarterly (on anniversary date of CD) which choice of payment to your savings account or CD.
Your wallet doesn’t have to take a major hit this holiday season. With a little planning and saving ahead of time, you can tackle all the items on your shopping list without straining your finances.
1 Through payroll deduction, in person, or by mail.
APY = Annual Percentage Yield. Paid on balance up to $1,000; competitive rate on higher balance.
