Grow your money faster with the compounding interest of a term-share certificate.

Features:

  • Fixed rate of return (earn higher rates with longer terms)
  • Variety of terms available for 3-71 months with automatic renewal
  • Open with as little as $500
  • NCUA insured up to $250,000

Term Share Certificate ($500 - $24,999)

Type APY* Dividend
3-5 Month Certificate 0.40% 0.399%
6-11 Month Certificate 0.55% 0.549%
12-17 Month Certificate 1.34% 1.327%
18-23 Month Certificate 1.43% 1.416%
24-29 Month Certificate 1.51% 1.495%
30-35 Month Certificate 1.55% 1.534%
36-47 Month Certificate 1.58% 1.564%
48-59 Month Certificate 1.70% 1.687%
60-71 Month Certificate 2.14% 2.119%

*APY = Annual Percentage Yield

Term Share Certificate ($25,000 and over)

Type APY* Dividend
3-5 Month Certificate 0.50% 0.499%
6-11 Month Certificate 0.65% 0.648%
12-17 Month Certificate 1.44% 1.426%
18-23 Month Certificate 1.53% 1.514%
24-29 Month Certificate 1.61% 1.593%
30-35 Month Certificate 1.65% 1.633%
36-47 Month Certificate 1.68% 1.662%
48-59 Month Certificate 1.80% 1.785%
60-71 Month Certificate 2.24% 2.217%

*APY = Annual Percentage Yield

Step-Up, Term Share Certificate ($500 - $24,999)

Type APY* Dividend
36-47 Month Certificate** 1.58% 1.564%
48-59 Month Certificate** 1.70% 1.687%
60-71 Month Certificate** 2.14% 2.119%

 

Step-Up, Term Share Certificate ($25,000 and over)

Type APY* Dividend
36-47 Month Certificate** 1.68% 1.662%
48-59 Month Certificate** 1.80% 1.785%
60-71 Month Certificate** 2.24% 2.217%

*APY = Annual Percentage Yield
**Step-Up, Term-Share Certificates are only available for terms of 36-71 months. Minimum deposit amount required is $500. An increase, or step-up, to the Step-Up, Term-Share Certificate can be requested by Century Federal Credit Union member only once during the term of the certificate, at the members written request. Step-up increases are limited to a 1% bump over the original rate of the member’s certificate. The member must complete and sign the required "Step-Up Certificate Rate Adjustment Form" that can be obtained at any of Century Federal’s branch locations or by contacting the Member Service Center at 216-535-3200. The member’s Step-Up Certificate will be reviewed by a Century Federal representative to confirm that they have not previously stepped-up the rate, before any rate adjustment can be made. Once the form is completed and submitted to Century Federal for processing, the member’s Step-Up Certificate will be adjusted to Century Federal’s current published rate and annual percentage yield (APY) for the remaining term of the certificate. The term of the Step-Up Certificate is not extended by the Step-Up APY/rate increase feature. An APY/rate increase is not retroactive. This rate adjustment can be completed only once during the term of the Step-Up Certificate and will be completed without any penalty to the member. No funds may be withdrawn from or any additional funds deposited into the certificate at this time. If a member elects to not Step-Up the APY/rate of the certificate during its term, the APY/rate will remain the same for the duration of the certificate. Once the Step-Up Certificate term expires, the certificate will renew as a standard term-share certificate. If the member would like to renew their certificate as a Step-Up Certificate again, the member must request this during the roll-over grace period. If the Step-Up Certificate is not available at the time of renewal, this option would not be available to the member.

DreamMaker Youth Term Share Certificate (minimum $100)

Type APY* Dividend
6 Month Certificate 0.55% 0.549%

*APY = Annual Percentage Yield