What Is a Signature Loan?
A Signature Loan is an unsecured personal loan — meaning you don’t need to use a car, home, or any other assets as collateral. Your approval is based on your signature, your credit history, and your financial responsibility.
Why members choose it:
- No collateral needed
- Competitive, fixed rates
- Predictable monthly payments
- Fast approval process
- Funds can be used for almost anything
It’s a flexible way to borrow with confidence, especially if you prefer not to put personal assets at risk.
A Signature Loan Can Help You:
- Consolidate or pay down high‑interest debt
- Cover back‑to‑school or education-related costs
- Repair a vehicle or make essential home fixes
- Handle unexpected expenses without stress
- Take a well-deserved vacation
- Fund personal projects or life goals
Wherever you’re headed, we aim to make the financial side easier.
Why Borrow With Century Federal?
Because your financial well‑being matters.
As a member‑owned, not‑for‑profit credit union, our focus is on people — not profit. That means:
- Lower rates compared to many traditional lenders
- Supportive guidance, not pressure
- Local decision-making
- Clear, simple information
- A member-first commitment
When you succeed, we all succeed.
Apply When You’re Ready
Quick. Secure. Designed to fit your life.
And Don't Forget - You can add money to your monthly budget by skipping one qualifying loan payment each year for a small fee. Learn more about Century Federal's Skip-A-Pay Program.
Transparent Rates. No Surprises.
*APR = Annual Percentage Rate. Promotional offer provides a 2.00 percentage point discount off Century FCU’s current approved personal loan rate for eligible new personal loans funded from August 1, 2026 through September 30, 2026. To qualify, applicant must be a Century FCU member or meet membership eligibility requirements, submit a complete loan application during the promotional period, be approved for credit, and fund an eligible personal loan by the promotion end date. Final rate, loan amount, term, and payment are determined by creditworthiness, income verification, debt-to-income ratio, collateral if applicable, and Century FCU underwriting criteria. Advertised discount is applied to the member’s approved rate and does not guarantee loan approval or a specific rate, term, payment amount, or loan amount. Offer applies to new Century FCU personal loans only funded after August 1. Funding includes existing Century FCU loan balances, refinances of existing Century FCU loans, credit cards, lines of credit, real estate-secured loans, business loans, indirect loans, and any other loan product not expressly included in this promotion. Maximum promotional loan amount is $5,000 and maximum promotional term is 36 months. Discount may not be combined with any other rate discount, promotional offer, coupon, or special program unless expressly permitted by Century FCU. Minimum and maximum loan amounts, available terms, and rate floors may apply. Rates, terms, conditions, and eligibility requirements are subject to change without notice. Century FCU reserves the right to modify, extend, suspend, or discontinue this promotion at any time. Additional restrictions may apply.
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