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.
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.
