After last year’s bonus dividends and loan interest rebates, we’re putting our not-for-profit difference to work in a new way — with Loyalty Rewards that give back month after month, quarter after quarter, year after year — starting now.
After last year’s bonus dividends and loan interest rebates, we’re putting our not-for-profit difference to work in a new way — with Loyalty Rewards that give back month after month, quarter after quarter, year after year — starting now.
In a world full of credit card options, we stand out by offering cards with exceptional benefits, along with the convenience of a local office for payments and personalized service.
Our fixed-rate Visa credit cards are designed to provide you with flexibility, rewards, financial control, and major savings compared to department store and major bank cards that carry high interest rates, junk fees, and unfavorable terms. (See the table further below that shares rate comparisons between our cards and those offered by other issuers.)
Info below is based on publicly available card agreements and issuer disclosures, as of 6/11/2025.
| Issuer | Annual Percentage Rate (APR) on Purchases |
|---|---|
| Chase | 18.49% – 28.24% variable |
| Citi | ~19% – 29.99% variable |
| Capital One | ~19% – 25% variable |
| Bank of America | ~17.74% – 29.24% |
| U.S. Bank | ~18% variable (Often ~29%+ for cash advances) |
| Wells Fargo | 17.24% – 28.99% (29.99% for cash advances) |
| American Express | ~20% – 29.99% |
| Discover | ~16% – 25% variable |
| Retailers | ~25% – 30%+ |
| Century Credit Union Visa Platinum Card | 10.90% fixed |
| Century Credit Union Visa Classic Card | 10.90% - 19.90% fixed |
Save more and stress less. Get started today and experience the freedom and benefits of a Century Visa credit card. Your financial satisfaction is our top priority.
1 APR = Annual Percentage Rate, based on member creditworthiness. Fixed rate. Credit score of 680 or higher required for a Platinum card. Credit limits differ and are based on the member's debt-to-income ratio. The APR on Visa Classic cards secured by money on deposit with the credit union is 14.90%.
