Credit Cards - Century Federal Credit Union
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New cardholder offer

  • Get 0% APR for 12 months on purchases3
  • Get 0% APR for 12 months on balance transfers made within 
    the first 90 days of opening your card
  • Earn $150 when you spend $1,000 in the first 90 days of opening a Century Federal Visa Signature account4

This card is best for … 

  • Earning Cash Back rewards
  • Exclusive benefits for Signature cardholders
  • Earning cash back rebates on everyday spending
  • Average to excellent credit
  • Earn 1.5% cash back on all purchases and redeem on demand
  • Choose cash back rewards as an account credit or as a deposit to your Century Federal savings or checking account
  • Shop with many of your favorite retailers online and earn even more cash back
  • Minimum line amount of $5,000 required

  • Redeem your cash back rewards and explore the Cashback Mall at

Annual Fee: None


New cardholder offer

  • Get 0% APR for 12 months on purchases3
  • Get 0% APR for 12 months on balance transfers made within 
    the first 90 days of opening your card

This card is best for … 

  • Large purchases paid off over time
  • Revolving balances 
  • Low interest rate
  • Average to excellent credit
  • Choose this card if you’re looking for a great low rate card
  • Transfer balances from other high rate credit cards to the Visa Platinum Low Rate card and save money
  • Perfect for large purchases paid off over time
Annual Fee: None


New cardholder offer

  • Get 0% APR for 12 months on purchases3
  • Get 0% APR for 12 months on balance transfers made within 
    the first 90 days of opening your card

This card is best for … 

  • Earning points on all purchases, redeemable for cash, gift cards, or merchandise
  • Earning points on everyday spending that you can redeem for gift cards, housewares, and more
  • Average to excellent credit
  • Earn points on purchases and redeem for cash, gift cards, etc.
  • Earn double points on gas, groceries, restaurants (excluding fast food) and pharmacies
  • Redeem points for cash, gift cards, travel and a wide range of merchandise
Annual Fee: None

CFCU Visa Mobile App

With the CFCU Visa App, you can access your credit card account online, at home or on the go!

Download CFCU Visa mobile app for Apple         Download CFCU Visa mobile app for Google

Visa Platinum Young Adult  

This card is great for first time cardholders! 

This card is ideal for young adults looking to establish credit history and build a relationship with Century Federal.  

Card Details Apply Now


Visa Platinum Secured 

Excellent for building or repairing credit! 

A secured credit card looks and acts just like a traditional credit card, except that it is tied to a security deposit that is used as collateral for the credit card account. The refundable security deposit is held in your Century Federal savings account and is the value of the credit limit plus 25%.

Card Details Apply Now  


Visa Business

Get this card for your business expenses! 

This card offers purchase rewards, purchase convenience, high credit limits and detailed reporting for all your business needs! 

Card Details Apply Now


To report a lost or stolen Century Federal Visa Card

  • 800-449-7728
  • (TTY) 800-221-7728


Traveling is an exciting experience. To avoid any issues using your Century Federal credit or debit cards on your trip, login to Online Banking and enable Travel Notifications! By noting upcoming travel on our records and in our system, we can ensure uninterrupted usage of your credit union cards. During normal business hours please call the Member Support Center at 216-535-3200 with questions.


Electronic Services

Where are your ATMs?

What are your ATM fees?

Enjoy surcharge-free transactions using the Alliance One and MoneyPass ATM Networks as part of your Century Federal membership benefits!
  • Century Federal-owned ATMs: FREE to all members
  • Alliance One ATMs: First 4 monthly transactions FREE
  • MoneyPass ATMs: First 4 monthly transactions FREE
Five or more transactions conducted on either the Alliance One or MoneyPass ATM networks will be charged a $1.50 fee per transaction by Century Federal. The Century Federal transaction fee of $1.50 is waived if the member has a combined balance of $2,000.00 in their account or has a Share Savings, Share Draft Checking, Direct Deposit and e-Statements.

Do you offer a debit card?

Yes, we offer a MasterMoney Debit card with our checking account.

What do I do if my MasterCard Debit Card or ATM Card is not working?

If you are experiencing problems with your ATM or MasterMoney Debit card, call or stop by any branch for assistance. You can also call the Member Support Center for assistance.

How do I report a lost or stolen ATM Card or MasterCard Debit Card?

Call or stop by any branch for assistance if you need to report your ATM or Debit card lost or stolen. The Member Support Center may also be contacted. If you have discovered your card is missing after operating hours, please call 1-800-523-4175 for immediate assistance.

Is there a fee for using your online Home Banking service?

No, our online Home Banking is completely free!

Is there a fee for using your online Bill Payer service?

No, our online Bill Pay is completely free!

What can I do on the Audio Response System?

With one simple phone call, you can verify account balances and deposits, find out if a check has cleared, review transaction history, transfer funds between Century Federal accounts, make loan payments, learn current share, loan and certificate rates, request a check withdrawal from your account or line of credit, make transfers to another member's account (requires separate agreement signed by both parties) 24 hours a day, 7 days a week!

How much does it cost to use Audio Response System?

Our Audio Response System is completely free and can be used as often as you'd like!

What is the Audio Response System phone number?

Our Audio Response System phone number is (216) 535-3288 OR (800) 626-7974.

How do I use the Audio Response System?

Navigating through the Audio Response System is easier than ever by giving you the option to make your selections using a touch tone response or voice activated response. The service has audio instructions that will prompt you step by step to help you complete your requests. You will need your account number and Audio Response System PIN in order to access your personal account information.

What is the difference between Audio Response System and Online Banking?

The Audio Response System is our automated service that you can access account information by using a telephone. The Online Banking is our electronic service that you can access account information by using a personal computer.


What types of loans do you offer?

Century Federal has a loan for all of your lending needs. We offer, Signature/Personal Loans, Overdraft Line Of Credit Loans, New and Used Auto, Boats, Motorcycles, RVs, Mobile Homes and Camper Trailer Loans, Credit Cards, Share Secured Loans, Share Certificate Loans, First Mortgages, Second Mortgages, Home Equity and Home Equity Line of Credit Loans.

What are your current rates?

What happens if I prepay my loan?

Century Federal Credit Union does not charge any pre-payment penalties or fees. You can prepay your loan at any time!

How can I get a copy of my credit report?

You can request a copy of your credit report through any of the 3 credit bureaus, Equifax, TransUnion or Experian. In addition, you can request a free copy of your credit report through If for any reason Century Federal was unable to approve your loan request, we will also notify you in writing how you can obtain a free credit report.

I can't make it into your office during business hours. Are there other ways to apply?

Yes! You can apply for a loan online or mail in your loan request.

3Get 0% introductory APR on purchases and balance transfers for the first 12 billing cycles following account opening. Offer valid for new Century Federal Visa credit card accounts which meet qualifying criteria only. Balance Transfer offer valid only for 90 days after the new credit card account is opened. Balance transfers must be initiated from a non-Century Federal Visa credit card account to qualify. After the 12-month promotional period ends, the member’s annual percentage rate for purchases and balance transfers will adjust to their qualifying rate, depending on creditworthiness and other conditions. 2% Balance transfer fee applies. Visa rates, terms and conditions are subject to change at any time without notice, and may vary based on creditworthiness and qualifications. APR may adjust monthly with the market based on the Prime Rate following the end of the promotional period, although the rate will not exceed 17.99% APR. This offer is not available on Visa Platinum Secured cards.


4This offer is only available to members opening a new Century Federal Visa Signature account. To qualify and receive your bonus, you must use your new credit card account to make purchases totaling $1,000 or more during the first 90 days from account opening. “Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions. Once the qualification criteria has been met, the $150 bonus will be posted to the member’s Cash Back Mall account and the bonus will be reflected on the member’s credit card statement/eStatement.