Open a Century Federal Personal Line of Credit and have funds available when you need it most. Our Personal Line of Credit is a revolving credit line that gives you immediate access to extra cash when needed, up to $35,000. Plus, it offers additional peace of mind since it serves as an overdraft protection source for your Share-Draft Checking Account.

How Does it Work?

  • In the event of an overdraft on your Share-Draft Checking Account, the Personal Line of Credit will automatically advance to cover the overdraft item
  • Advance on your line of credit through Online/Mobile Banking or any of our branch locations
  • Make your loan payments through Online/Mobile Banking or any of our branch locations
  • Flexible Payment Options
  • And if you never advance on the Personal Line of Credit, there is no finance charge

Get started today with three ways to apply:


And Don't Forget - Add money to your monthly budget by skipping one qualifying loan payment each year. You can defer a monthly payment for a small fee. Learn more about Century Federal's Skip-A-Pay Program.

Protecting Your Line of Credit

As part of our commitment toward member benefits, Century Federal offers various insurance products/services which include:




Line of Credit

Line of Credit (as low as)
Rate is Prime plus 6.25%
10.50% $35,000

*APR = Annual Percentage Rate. Rates are subject to credit score. Rates adjust on first business day of the month following a Prime Rate change. Loan is subject to credit approval. Credit line and rate will be determined by your credit score. Payment is 2% of balance or $15, whichever is greater.