What are the current interest rates at Century Credit Union?

Current rates for Century Credit Union include: 12-Month CD: 3.70%, 24-Month CD: 3.75%, 60-Month CD: 3.90%, Savings: 10.00%, MMA: 3.55%

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Century Credit Union

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Century Credit Union Rates & Review October 2026

Q: How many branches does Century Credit Union operate?

Century Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Century Credit Union?

Yes, to access services at Century Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Century Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Century Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Century Credit Union's top rates as of October 9, 2026 are 10.00% APY on its 6 Month Teen CD, 10.00% APY on savings, 3.55% APY on money market accounts, 0.10% APY on checking, 5.88% on its 10-Year Conventional Mortgage, auto loans from 4.24% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Century Credit Union CD rates include 7 Month CD Special at 4.35%, 9 Month CD Special at 4.35%, and CD of Deposit (CD) - 60 month at 3.90%. Other Century Credit Union mortgage rates include 15-Year Conventional Mortgage at 6.25%, and 30-Year Conventional Mortgage at 7.00%. MonitorBankRates evaluates the financial stability of Century Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.27%. Rates last updated and verified on 10/09/2026.

Century Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Century Credit Union? Share your experience about Century Credit Union by leaving a review below, or read customer reviews before you decide to use Century Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.27%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Century Credit Union
MAIN OFFICE

1540 LEMAY FERRY RD
SAINT LOUIS, MO 63125-2405

https://www.centurycu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Century Credit Union CD Rates

Product	Rate	APY	Term
6 Month Teen CD	9.65%	10.00%	6 Months
Min Deposit $1,000 Details max $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
7 Month Certificate Special	-	4.35%	7 Month
Min Deposit $1,000 Details APY = Annual Percentage Yield. Paid quarterly (on anniversary date of CD) with choice of payment to your savings account or CD. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00% Oct 9, 20264.35%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
9 Month Certificate Special	4.28%	4.35%	9-Month
Min Deposit $50,000 Details max $50,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificate of Deposit (CD) - 60 month	3.84%	3.90%	60 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60% Oct 9, 20263.90%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificate of Deposit (CD) - 48 month	3.80%	3.85%	48 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55% Oct 9, 20263.85%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificate of Deposit (CD) - 36 month	3.75%	3.80%	36 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50% Oct 9, 20263.80%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificate of Deposit (CD) - 24 month	3.70%	3.75%	24 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 9, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificate of Deposit (CD) - 12 month	3.65%	3.70%	12 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60% Oct 9, 20263.70%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificate of Deposit (CD) - 6 month	3.45%	3.50%	6 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Savings Rates

Product	Rate	APY
Kids Club	9.65%	10.00%
Min Balance $0 Details Balance: up to $1,000 balance Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Youth Savings	-	10.00%
Min Deposit $1 Min Balance $1,000 Details Super-high dividends paid on balances up to $1,000. Cash rewards for deposits $1-$10 awarded at different transaction intervals. Financial incentives for good grades Up to $20 each year. High dividends are paid out quarterly. Cash is awarded and electronically deposited into your child's account after their 6th, 12th, 18th and 24th in-person deposits of $5 or more. Your child can receive $1 for every 'A' or equivalent earned, up to $5 per quarter. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Christmas Club	5.00%	5.09%
Min Balance $0 Details Balance: up to $1,000 balance Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.09% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.75%	2.78%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 2.78% ▲ 0.05 pts · high 2.78% / low 2.73% Oct 9, 20262.78%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.70%	2.73%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.68% → 2.73% ▲ 0.05 pts · high 2.73% / low 2.68% Oct 9, 20262.73%▲ from 2.68% Sep 14, 20262.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.60%	2.63%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.50%	2.53%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.40%	2.43%
Min Balance $10,000 Details Balance: $10,000 -$24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.30%	2.32%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.32% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Health Savings Account (HSA)	0.75%	0.75%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Boost Teen Account Savings	0.50%	0.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Christmas Club	0.30%	0.30%
Min Balance $1,000 Details $1,000+ balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Kids Club	0.30%	0.30%
Min Balance $1,000 Details $1,000+ balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	0.30%	0.30%
Min Balance $100 Details Balance: $100-$2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	3.55%
Min Deposit $5 Details APY = Annual Percentage Yield. Paid monthly. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30% Oct 9, 20263.55%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Prime Money Market	3.50%	3.55%
Min Balance $10,000 Details Balance: $10,000 - $500,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30% Oct 9, 20263.55%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.75%	2.78%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 2.78% ▲ 0.05 pts · high 2.78% / low 2.73% Oct 9, 20262.78%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.70%	2.73%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.68% → 2.73% ▲ 0.05 pts · high 2.73% / low 2.68% Oct 9, 20262.73%▲ from 2.68% Sep 14, 20262.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.60%	2.63%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.50%	2.53%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.40%	2.43%
Min Balance $10,000 Details Balance: $10,000 -$24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	2.30%	2.32%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.32% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Prime Money Market	0.30%	0.30%
Min Balance $500,000 Details Qualified balances over $500,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Prime Money Market	0.30%	0.30%
Min Balance $0 Details All balances if qualifications aren't met Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Smart Savers (Money Market)	0.30%	0.30%
Min Balance $100 Details Balance: $100-$2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10-Year Conventional Mortgage	-	-	5.875%	10-Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
15-Year Conventional Mortgage	-	-	6.25%	15-Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
30-Year Conventional Mortgage	-	-	7.00%	30 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Century Preferred Equity	-	-	6.00%	5 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50% Oct 2, 20266.00%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Home Equity Century Fixed Rate Equity	-	-	6.25%	5 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Oct 2, 20266.25%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Home Equity Century Preferred Equity	-	-	6.25%	10 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Oct 2, 20266.25%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Home Equity Century Fixed Rate Equity	-	-	6.50%	10 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00% Oct 2, 20266.50%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Home Equity Century Preferred Equity	-	-	6.75%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 2, 20266.75%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Home Equity Century Fixed Rate Equity	-	-	7.00%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 2, 20267.00%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto, Truck, SUV & Van	-	-	4.24%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2021 Auto, Truck, SUV & Van	-	-	4.49%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van	-	-	4.49%	42 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2021 Auto, Truck, SUV & Van	-	-	4.74%	42 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van	-	-	4.74%	54 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2020-2016 Auto, Truck, SUV & Van	-	-	4.99%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2021 Auto, Truck, SUV & Van	-	-	4.99%	54 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van	-	-	4.99%	66 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2020-2016 Auto, Truck, SUV & Van	-	-	5.24%	42 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2021 Auto, Truck, SUV & Van	-	-	5.24%	66 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2020-2016 Auto, Truck, SUV & Van	-	-	5.49%	54 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van	-	-	5.49%	78 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2020-2016 Auto, Truck, SUV & Van	-	-	5.74%	66 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2021 Auto, Truck, SUV & Van	-	-	5.74%	78 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2020-2016 Auto, Truck, SUV & Van	-	-	6.24%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van	-	-	6.24%	84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2021 Auto, Truck, SUV & Van	-	-	6.49%	84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2015-2006 Auto, Truck, SUV & Van	-	-	8.74%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2015-2006 Auto, Truck, SUV & Van	-	-	8.99%	42 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2015-2006 Auto, Truck, SUV & Van	-	-	9.24%	54 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2015-2006 Auto, Truck, SUV & Van	-	-	9.49%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	5.74%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Motorcycle Loan	-	5.99%	42 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Motorcycle Loan	-	6.24%	54 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Motorcycle Loan	-	6.49%	66 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Motorcycle Loan	-	6.74%	30 months
Details Model Year: 2025 - 2023 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Motorcycle Loan	-	6.99%	42 months
Details Model Year: 2025 - 2023 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Motorcycle Loan	-	6.99%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Motorcycle Loan	-	7.24%	54 months
Details Model Year: 2025 - 2023 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Motorcycle Loan	-	7.49%	60 months
Details Model Year: 2025 - 2023 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Boat Loan	-	7.74%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Boat Loan	-	7.99%	42 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2023 Boat Loan	-	8.24%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Boat Loan	-	8.24%	54 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2023 Boat Loan	-	8.49%	42 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Boat Loan	-	8.49%	66 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Boat Loan	-	8.74%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Motorcycle Loan	-	8.74%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2023 Boat Loan	-	8.74%	54 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Boat Loan	-	8.99%	42 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Motorcycle Loan	-	8.99%	42 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2025-2023 Boat Loan	-	8.99%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
New Boat Loan	-	8.99%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Boat Loan	-	9.24%	54 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Motorcycle Loan	-	9.24%	54 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Boat Loan	-	9.49%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
2022 and Older Motorcycle Loan	-	9.49%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Credit Card Rates

Product	Rate	APR
Visa Classic	-	10.90%
Details Published APR range: 10.90% - 19.90%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Visa Platinum	-	10.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Century Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
DebtBuster/No Equity Loan	-	-	10.00%	5-year payback
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Home Purchase Loan	-	-	6.75%	20 months
Details Term: 20-Year Conventional Mortgage Last Updated 10/09/2026 Rate History 1 change since Sep 26, 2026 · 6.63% → 6.75% ▲ 0.13 pts · high 6.75% / low 6.63% Oct 9, 20266.75%▲ from 6.63% Sep 26, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
HSA Individual Retirement Account (IRA)	0.75%	-	0.75%
Details Savings/Checking/IRA/HSA Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Quick Stash	1.00%	-	1.00%
Min Balance $0 Details Balance: up to $1,000 balance Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Quick Stash	0.30%	-	0.30%
Min Balance $1,000 Details $1,000+ balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Regular Shares/Special/Vacation	0.30%	-	0.30%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Youth Account	-	-	10.00%
Details Qualifications apply Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Century Credit Union’s Texas Ratio rose from 0.51% in Q3 2023 to 1.27% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$182M	1.27%	5.0	A+
March 31, 2026	$179M	1.30%	5.0	A+
December 31, 2025	$173M	2.46%	5.0	A+
September 30, 2025	$171M	0.81%	5.0	A+
June 30, 2025	$168M	0.92%	5.0	A+
March 31, 2025	$164M	0.77%	5.0	A+
December 31, 2024	$157M	1.75%	5.0	A+
September 30, 2024	$156M	1.36%	5.0	A+
June 30, 2024	$154M	1.22%	5.0	A+
March 31, 2024	$150M	1.24%	5.0	A+
December 31, 2023	$147M	0.68%	5.0	A+
September 30, 2023	$151M	0.51%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Century Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Century Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Century Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Century Credit Union

Website https://www.centurycu.org

Address 1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125-2405

Phone 314-544-1818

Fax 314-544-2004

President MARK FALKNER

CEO JOSH WALLACE

Full-Time Employees 27

Part-Time Employees 10

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.27%

Return on Assets (ROA)

0.5131%

Return on Equity (ROE)

2.9245%

Non-Performing Loans Ratio (NPL)

0.37%

Total Assets

181,993,352

Total Amount of Shares and Deposits

149,191,810

Total Shares and Deposits < 1 Year

146,852,060

Total Shares and Deposits 1 3 Years

1,811,499

Total Shares and Deposits > 3 Years

528,251

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

11,451,317

Total Uninsured Shares and Deposits > $250K (F+J)

11,451,317

Total Insured Shares and Deposits > $250K (item 17 less item K)

137,740,493

Total Interest Expense (Sum of items 6 8)

1,339,293

Share Certificates

1,360

Number of Accounts for Share Drafts

5,702

IRA KEOGH Accounts

435

Number of Accounts for Regular Shares

12,965

All other shares

Money Market Shares

749

Net Income (unless the amount is already included in Undivided Earnings)

169,561

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

13,760,080

Total Liabilities

150,062,166

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Century Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Century Credit Union

How many branches does Century Credit Union operate?

Century Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Century Credit Union?

Yes, to access services at Century Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Century Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Century Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Century Credit Union offer online and mobile banking?

Most modern institutions like Century Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.centurycu.org.

Current Century Credit Union Rates

12-Month CD3.70%
24-Month CD3.75%
60-Month CD3.90%
Savings10.00%
MMA3.55%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Century Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Century Credit Union Texas Ratio

Century Credit Union Health Trend

Century Credit Union CD Rates

Century Credit Union Savings Rates

Century Credit Union Money Market Rates

Century Credit Union Checking Rates

Century Credit Union Mortgage Rates

Century Credit Union Home Equity & HELOC

Century Credit Union Auto Loan Rates

Century Credit Union RV, Boat and Powersport Loan Rates

Century Credit Union Credit Card Rates

Century Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Century Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Century Credit Union

How many branches does Century Credit Union operate?

Is a member application needed to join Century Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Century Credit Union offer online and mobile banking?

Current Century Credit Union Rates

Compare to Other Credit Unions