Certificates - Century Federal Credit Union
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Certificates of Deposit (CDs)

Term-Share Certificates

Make the most of your money and enjoy guaranteed returns with a Century Federal Credit Union Certificate. Term-Share Certificates allow you to maximize your savings by providing guaranteed returns that you can access on a set maturity date. These are best for members who:

  • want to earn at a higher dividend rate than traditional savings;
  • don't need flexible access to savings;
  • are interested in making a single deposit.

Century Federal's Term-Share Certificates provide a variety of terms and deposit amounts to help you maximize your return on savings.


  • Minimum opening deposit $500
  • Fixed rate of return
  • Variety of terms available from 3-71 months with automatic renewal
  • NCUA insured up to $250,000

Boost Your Savings Potential with a Step-Up CD

What is a Step-Up CD? A Step-Up CD is a fixed-term certificate of deposit account. Members have the option prior to maturity to request a one-time rate increase up to 1.00% above the existing interest rate. For example, if rates increase during the term of your CD, and your current APY is  0.10%, you may request an increase up to 1.10% for the remainder of your term.

Dream Maker Youth Certificate

Teach your children to save responsibly and help them plan for the future with a Dream Maker Term-Share Certificate.


  • Open with as little as $100
  • Fixed rate of return
  • 6-month term option
  • NCUA insured up to $250,000