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.
Rates
(*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 Type | 30 MOS APR* | 42 MOS APR* | 54 MOS APR* | 66 MOS APR* | 78 MOS APR* | 84 MOS APR* |
|---|---|---|---|---|---|---|
| New | 1.99% | 1.99% | 1.99% | 1.99% | 2.49% | 3.49% |
| Back 5 Model Years | 1.99% | 1.99% | 1.99% | 1.99% | 2.74% | 3.74% |
| Back 6 to 10 Model Years | 2.99% | 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
Motorcycles
Rates effective as of 11/01/2021
| Vehicle Type | 24 MOS APR* | 36 MOS APR* | 48 MOS APR* | 60 MOS APR* | 72 MOS APR* |
|---|---|---|---|---|---|
| New | 3.69% | 3.99% | 4.19% | 4.39% | 4.99% |
| Back 3 Model Years | 4.49% | 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 Type | 24 MOS APR* | 36 MOS APR* | 48 MOS APR* | 60 MOS APR* | 72 MOS APR* |
|---|---|---|---|---|---|
| New | 5.49% | 5.79% | 5.99% | 6.19% | 6.79% |
| Back 3 Model Years | 5.99% | 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 Type | 24 MOS APR* | 36 MOS APR* | 48 MOS APR* | 60 MOS APR* |
|---|---|---|---|---|
| All Types | 6.99% | 7.29% | 7.49% | 7.69% |
Home Loan Rates
Home Equity Loans
Rates effective as of 11/01/2021
| Loan Type | 5 Year APR* | 10 Year APR* | 15 Year APR* |
|---|---|---|---|
| Century Preferred Equity | 3.99% | 4.25% | 4.75% |
| Century Fixed Rate Equity | 4.25% | 4.54% | 4.99% |
Mortgage Loans
Rates effective as of 12/01/2021
| Loan Type | 15 Year | 30 Year |
|---|---|---|
| Mortgage Loan | 2.625% | 3.250% |
Other Home Loans
Rates effective as of 11/01/2021
| Loan Type | Loan Description |
|---|---|
| Equity Line of Credit | Prime +0.50%, Up to 15 Year Payback, 10 year Draw Period, Current Prime 3.25% |
| DebtBuster/No Equity Loan | 8.49% 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
| Term | Dividend Rate | APY* |
|---|---|---|
| 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 Type | Dividend Rate | APY* |
|---|---|---|
| $2,500 – $9,999.99 | 0.15% | 0.15% |
| $10,000 -$24,999.99 | 0.15% | 0.15% |
| $25,000 – $49,999.99 | 0.20% | 0.20% |
| $50,000 – $74,999.99 | 0.25% | 0.25% |
| $75,000 – $99,999.99 | 0.30% | 0.30% |
| $100,000 & Up | 0.35% | 0.35% |
*APY=Annual Percentage Rate.
Savings Accounts
Rates effective as of 12/31/2021
| Account Type at Century Credit Union | Dividend Rate | APY* |
|---|---|---|
| Regular Shares/Special/Vacation | 0.10% | 0.10% |
| Next Century Kids’ Club (Up To $1000) | 5.00% | 5.09% |
| Next Century Kids’ Club ($1000 & Up) | 0.10% | 0.10% |
| Checking | 0.05% | 0.05% |
| Christmas Club (up to $1000) | 5.00% | 5.09% |
| Christmas Club ($1000 & Up | 0.10% | 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
| Balance | Dividend Rate | APY* |
|---|---|---|
| $10,000 & Up | 0.75% | 0.75% |
| All balances if qualifications aren’t met | 0.15% | 0.15% |
Requirements:
-$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.
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