Low Rates Promo - Century Federal Credit Union
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Looking for Low Rates?

Are you considering debt consolidation? Are you looking to lower your monthly payments? Century Federal offers a variety of products to help our members maintain their budget!

Now is the time to take advantage of these extraordinarily low rates!

All of these great products offer low rates combined with NO processing fees and NO closing costs!

Signature Loan
  • Great time to consolidate debt to a fixed rate
  • Rates as low as 5.75% APR1 for up to 60 months
  • You can defer your first payment for up to 90 days5
  • Includes a 0.25% discount for the setup of automatic payments from a Century Federal account
Auto Loan

Century Federal Credit Union can refinance your existing auto/vehicle loan financed elsewhere, like a bank or finance company. You can keep the car, yet possibly lower your payment, rate and/or term – and maybe all three! We will closely review the existing loan, so you can make an educated decision that benefits you.

  • New Auto loan rates are now as low as 2.70% APR1
  • You can defer your first payment for up to 90 days5
    • Members who set up automatic payments from their Century Federal Main Share Savings or Share Draft Checking account will receive a 0.25% rate discount
Home Equity Line of Credit (HELOC)

Looking to make some home improvements? Unlock the equity in your home with rates as low as 2.75% APR2. Maybe you’d like to consolidate some debt, remodel your kitchen, take that well-deserved vacation or pay for college tuition—you can do it all with a HELOC! There’s never been a better time to take advantage of these great low rates!

  • Rates are now as low as 2.75% APR2
  • HELOCs are also great to use for:
    • High-interest Debt Consolidation
    • College Education
    • Emergency Funds
Visa® Credit Cards
  • All new Visa® credit card accounts come standard with3:
    • 0% APR on all purchases for the first 12 months
    • 0% Balance Transfer APR for 12 months on balances transferred within the first 90 days of opening your account
  • Rates as low as 7.25% APR1 with our Low Rate Visa card
  • Like Rewards? Try a Visa Platinum MyChoice Rewards card with rates as low as 8.99% APR1
    • Earn double points on gas, groceries, restaurants (excluding fast food) and pharmacies
  • Like Cash Back? Check out our Visa Signature® card with 1.5% cash back on all purchases!
    • Rates are now as low as 11.25% APR1
    • PLUS! If you spend $1,000 on purchases in the first 90 days of opening your Visa Signature account, you receive a $150 cash bonus4

Ready to apply or looking for additional help?

  • Click here to apply online.
  • Click here if you are experiencing financial hardship due to the COVID-19 pandemic.
  • Click here to contact Member Services or call 216-535-3200.

1APR = Annual Percentage Rate. All rates are subject to creditworthiness and can change at any time without notice.

2APR = Annual Percentage Rate. Rate on Home Equity Line of Credit (HELOC) is variable and varies with the Prime Rate as published in the Wall Street Journal. Based on credit, the APR varies from Prime – 0.50% to Prime + 2.0%, with a lifetime cap of 13.50%. There is a 10-year Draw Period (first 120 months of the loan, starting the day of the HELOC Agreement execution) during which required payments are interest only, and a 10-year Repayment Period (months 121-240) during which payments are principal plus interest. Minimum line of credit is $5,000, maximum is $250,000. Rates, terms and conditions are subject to change at any time without notice. All loans are subject to qualifications and approval. No annual fee or closing costs, but appraisal costs may apply. If HELOC is closed within the first year, $350 early closure fee applies. Owner-occupied properties only. Property and flood (if applicable) insurance required. You can only exercise the Fixed Rate Lock Option (“Lock Option”) during the Draw Period. The Lock Option is only valid on draw amounts of $10,000 or more and there is a $50.00 fee for each Lock Option. You are limited to a maximum of three Lock Options during the life of the HELOC. Lock Option pricing is based on the term of the lock; 1-36 months: current HELOC APR, 37-72 months: current HELOC APR + 0.50%, 73-120 months: current HELOC APR + 1.00%. The amount of the locked portion will be subtracted from your available HELOC limit until the loan is paid in full. Existing HELOCs without the Fixed Rate Lock Option do not qualify. Century Federal Credit Union (CFCU) makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status. CFCU membership is required. Consult your tax advisor regarding the deductibility of interest and charges.

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.

This 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. 

The loan applicant will be allowed to skip their loan payments for a period of up to 90 days from the day the loan closes. Offers, rates, terms, and conditions are subject to change, at any time without notice, and may vary based on creditworthiness and qualifications. Interest will continue to accrue through the deferral period.