Century Credit Union Info + Reviews

Century Credit Union is our focus here. I’ll be taking a look at a lot of details on this Missouri CU. It will include their products, rates, member eligibility and more. By the time you’re finished reading this article, it should give you useful information to make an educated decision about working with them.

At the end of this article, you can add in your own personal review of this credit union if you have experience with them.

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*Routing #: 281081000

*Phone #(main office branch): (314) 544-1818

1540 Lemay Ferry Rd., St. Louis, MO 63125

3920 Jeffco Blvd., Arnold, MO 63010

A Little History on Century Credit Union

CCU has been around for over 60 years. Their original charter was issued in 1954, just a little later than the average CU out there. Today, they have assets that exceed $140 million dollars and you can access your cash from there at over 30,000 ATMs nationwide surcharge-free.

Do they give back at all?

The big question: Does Century Credit Union give to charity and how much?

Based on searching their website for things like “community,” “giving back,” or “charity” and getting no results, I can only conclude that they do not do anything related to charities at this time.

They may do things and just never talk about it, but, there’s no way to know unless I reach out to them directly.

Membership Eligibility at Century Credit Union

If you want to join CCU, then you’ll need to meet some requirements. Those are mainly if you are part of select employee groups or if you live in three Missouri counties. Those counties are St. Louis County, Jefferson County, and Franklin County.

It looks like on their page listing the various employee groups that qualify, it does mention that family members can also get in. So, if you have family working for places like the City of Arnold or Feed My People, you can qualify for membership.

Products at Century Credit Union

CCU has personal offerings and no business products at this time. Their personal products include checking accounts, savings accounts, money markets, club accounts, CDs, health savings accounts, IRAs, kid/teen accounts, and loans.

Their loan products include auto, VISA Credit Cards, Personal Loans, and Home Loans.

There is one type of checking account at Century Credit Union. That is a little less than what you would find at typical small to mid-size CU’s like this one. I usually see two or three at most places, however, this account sort of wraps everything that you need into one.

The main thing you’ll like are that dividends get paid on amounts over $1,000. In addition to that, you get two boxes of checks per year, so, you’ll be set there unless you write a lot of them.

There’s free online bill pay, no service fees, or minimum balance requirements at Century Credit Union. So, you’ll save some money using their checking account. I really like their overdraft protection system, too.


(*APR is the Annual Percentage Rate. Loan rates are determined by credit score. Rates listed are the lowest rates possible. These rates Include a .25% discount for Automatic payment. Rates are subject to change at any time without notice).

Vehicle Loan Rates

Automobiles (Vans, Trucks, SUVs)

Rates effective as of 11/1/2021

Vehicle Type30 MOS APR*42 MOS APR*54 MOS APR*66 MOS APR*78 MOS APR*84 MOS APR*
Back 5 Model Years1.99%1.99%1.99%1.99%2.74%3.74%
Back 6 to 10 Model Years2.99%2.99%2.99%2.99%3.49%N/A

*APR=Annual Percentage Rate. 72 Month Loan must be greater than $15,000. 84 Month Loan must be greater than $25,000


Rates effective as of 11/01/2021

Vehicle Type24 MOS APR*36 MOS APR*48 MOS APR*60 MOS APR*72 MOS APR*
Back 3 Model Years4.49%4.79%4.99%5.19%N/A

*APR=Annual Percentage Rate. 72 Month Loan must be greater than $20,000.

Boats Century Credit Union

Rates effective as of 11/01/2021

Vehicle Type24 MOS APR*36 MOS APR*48 MOS APR*60 MOS APR*72 MOS APR*
Back 3 Model Years5.99%6.29%6.49%6.69%N/A

*APR=Annual Percentage Rate. 72 Month Loan must be greater than $20,000.

Vehicles over 10 years old, Campers, ATVs, and Jetskies

Rates effective as of 11/01/2021

Vehicle Type24 MOS APR*36 MOS APR*48 MOS APR*60 MOS APR*
All Types6.99%7.29%7.49%7.69%

Home Loan Rates

Home Equity Loans

Rates effective as of 11/01/2021

Loan Type5 Year APR*10 Year APR*15 Year APR*
Century Preferred Equity3.99%4.25%4.75%
Century Fixed Rate Equity4.25%4.54%4.99%

Mortgage Loans

Rates effective as of 12/01/2021

Loan Type15 Year30 Year
Mortgage Loan2.625%3.250%

Other Home Loans

Rates effective as of 11/01/2021

Loan TypeLoan Description
Equity Line of CreditPrime +0.50%, Up to 15 Year Payback, 10 year Draw Period, Current Prime 3.25%
DebtBuster/No Equity Loan8.49% 5 Year Payback

Other Personal Loan Rates

Share Secured

Rates effective as of 11/01/2021

Loan Description
Dividend rate + 3.00% APR* For Up To 60 Months (floor rate applies)

*APR=Annual Percentage Rate.

Unsecured Loans (Including Signature Loans, Visa Cards, & Line of Credits)

Rates effective as of 11/1/2021

Loan Description
6.99% APR* – 14.99% APR*

*APR=Annual Percentage Rate.

Deposit Rates

Current CD Rates

Rates effective as of 12/01/2021 at Century Credit Union

TermDividend RateAPY*
6 Months.20%.20%
12 Months.30%.30%
24 Months.45%.45%
36 Months.50%.50%
48 Months.55%.55%
60 Months.65%.65%

*APY=Annual Percentage Rate.

Smart Savers at Century Credit Union

Rates effective as of 12/01/2021

Account TypeDividend RateAPY*
$2,500 – $9,999.990.15%0.15%
$10,000 -$24,999.990.15%0.15%
$25,000 – $49,999.990.20%0.20%
$50,000 – $74,999.990.25%0.25%
$75,000 – $99,999.990.30%0.30%
$100,000 & Up0.35%0.35%

*APY=Annual Percentage Rate.

Savings Accounts

Rates effective as of 12/31/2021

Account Type at Century Credit UnionDividend RateAPY*
Regular Shares/Special/Vacation0.10%0.10%
Next Century Kids’ Club (Up To $1000)5.00%5.09%
Next Century Kids’ Club ($1000 & Up)0.10%0.10%
Christmas Club (up to $1000)5.00%5.09%
Christmas Club ($1000 & Up0.10%0.10%
Individual Retirement Account (IRA)0.50%0.50%

*APY=Annual Percentage Rate.

Prime Money Market at Century Credit Union

Rates effective as of 12/01/2021

BalanceDividend RateAPY*
$10,000 & Up0.75%0.75%
All balances if qualifications aren’t met0.15%0.15%


-$10,000 minimum average daily balance

-must have a checking account

-must have direct deposit (min. of $250 per month)

-enroll in e-statements

-Have an active Century credit card (min. of 3 transactions per month)

Century Credit Union – Final Thoughts

Century is a little bit smaller in terms of members and product variety. However, their assets are pretty big and their cash is just as available nationally as any other CU’s is. I was hoping to see some info on community involvement on their site, but came up with nothing there. For everyday financial needs like an IRA or checking account, this is an awesome credit union in Missouri.

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*All information in this article was current at the time of this writing, however, it could change without notice. We do our best to keep these updated, however, there is no guarantee you will find the same information on the CU’s website or at the time of opening an account with them.

*This site is not affiliated with the Credit Union mentioned in this article.