They’re ideal if you…
It’s a “set it and grow it” kind of account — no surprises, no risk.
| Certificate Type | Best For | What You Need | Why It’s Awesome |
|---|---|---|---|
| Term‑Share Certificate | Adults saving for goals | $500 minimum | Guaranteed growth, higher returns |
| Step‑Up CD | Those who want protection and flexibility | $500 minimum | One-time rate increase opportunity |
| Dream Maker Youth Certificate | Kids & teens learning to save | $100 minimum | Fun, simple, short-term growth |
Perfect for building savings with confidence.
Whether you’re starting small, saving for a goal, or teaching the next generation how to manage money, Century Federal has a Certificate that fits your life — today and tomorrow.
The Dream Maker Certificate is designed just for kids and teens — a simple, exciting way to teach young savers how money grows over time. It’s the perfect “starter investment” for future planners, goal-setters, and dream chasers.
Think of it as a savings booster that helps kids watch their dreams take shape — one deposit at a time.
*APY Annual Percentage Yield (APY) of 3.39% on a 13‑month certificate of deposit is accurate as of August 24, 2026, and applies to new money deposits only. New money is defined as funds not currently on deposit with the credit union. A minimum deposit of $500 is required to earn this special rate. Early withdrawal of funds may result in penalties that could reduce earnings. This promotional APY is subject to change or withdrawal at any time without prior notice and may not be combined with any other offers. Fees may reduce overall earnings on this CD. Certificates of deposit are time deposits and cannot be withdrawn prior to maturity without penalty.
*APY Annual Percentage Yield (APY) of 4.05% on a 25‑month certificate of deposit is accurate as of August 24, 2026, and applies to new money deposits only. New money is defined as funds not currently on deposit with the credit union. A minimum deposit of $500 is required to earn this special rate. Early withdrawal of funds may result in penalties that could reduce earnings. This promotional APY is subject to change or withdrawal at any time without prior notice and may not be combined with any other offers. Fees may reduce overall earnings on this CD. Certificates of deposit are time deposits and cannot be withdrawn prior to maturity without penalty.
