We're starting the New Year on a happy note by awarding a 2% bonus dividend and 2% loan interest rebate to all eligible members.
We're starting the New Year on a happy note by awarding a 2% bonus dividend and 2% loan interest rebate to all eligible members.
Did you know your credit card choice can help you save money? It matters more than you might think.
At Century, our credit card rates are a pleasant surprise — significantly lower than what you'll find with big banks or those fancy retail-partnered cards. Every dollar you don't spend on high interest is a dollar that can go straight into your savings account.
A recent Consumer Financial Protection Bureau survey found that big banks charge interest rates 8% to 10% higher than smaller institutions like us. According to the bureau's calculations, this means you could save $400-$500 annually in interest alone by choosing our card.
While major issuers charge median rates between 23% and 28% APR (some even more than 30%), our rates stay consistently low for all transactions — purchases, cash advances, and balance transfers. Plus, we skip the fees that big banks pile on. No balance transfer fees (typically between 3% and 5% elsewhere), no cash advance fees (up to $10 or 5% with others), and no annual fee (averaging $157 with 27% of large issuers).
Choose our card and you can keep more money in your savings with straightforward, affordable rates and zero hidden fees.
Ruth DavisI have banked with Century for a couple of decades. Everything about them is positive, from the friendliness of their employees to the ease of online banking and low credit card interest rates. I will never go back to mega banks.
Whether you get a Visa Platinum or Visa Classic card through us, you'll receive many money-saving benefits. See the features below for a side-by-side comparison.
Credit Card | Century Visa Platinum | Century Visa Classic |
| Fixed APR1 | 10.90% | 10.90%-19.90% |
| Annual fee | None | None |
| Transaction fee for purchases | None | None |
| Balance transfer fee | None | None |
| Cash advance fee | None | None |
| Over-the-limit fee | None | None |
| Penalty interest rate for being late with a payment | None | None |
| Interest-free time (grace period on purchases) | 25 days | 25 days |
| Visa’s Zero Liability Policy | Yes | Yes |
| Credit limit2 | Varies | Varies |
| Cash-back rewards3 | Yes | No |
1 APR = Annual Percentage Rate, based on your creditworthiness. The APR on Visa Classic cards secured by money on deposit with the credit union is 14.90%. Older teens (ages 16 or 17) are eligible to apply for a Visa Classic card, with proof of income provided, and a parent as a co-signer. This card features 11.90% APR and a low credit limit of $250. At age 18, an individual can get a credit card of their own, with a higher credit limit ($500) based on proof of income. APR is 12.90%.
2 Based on your debt-to-income ratio
3 Once 1,500 points are reached, you can redeem your points by having cash deposited directly into your Century checking or savings account or a credit applied to an outstanding card balance. If you have questions about your reward balance or want to redeem your points, call us at 833.606.4214 or access the Member-Choice Awards site through your online banking account with us.
