Term Share Certificate ($500 - $24,999)

Type APY* Dividend
3-5 Month Certificate 0.40% 0.399%
6-11 Month Certificate 0.55% 0.549%
12-17 Month Certificate 1.34% 1.327%
18-23 Month Certificate 1.43% 1.416%
24-29 Month Certificate 1.51% 1.495%
30-35 Month Certificate 1.55% 1.534%
36-47 Month Certificate 1.58% 1.564%
48-59 Month Certificate 1.70% 1.687%
60-71 Month Certificate 2.14% 2.119%

*APY = Annual Percentage Yield

Term Share Certificate ($25,000 and over)

Type APY* Dividend
3-5 Month Certificate 0.50% 0.499%
6-11 Month Certificate 0.65% 0.648%
12-17 Month Certificate 1.44% 1.426%
18-23 Month Certificate 1.53% 1.514%
24-29 Month Certificate 1.61% 1.593%
30-35 Month Certificate 1.65% 1.633%
36-47 Month Certificate 1.68% 1.662%
48-59 Month Certificate 1.80% 1.785%
60-71 Month Certificate 2.24% 2.217%

*APY = Annual Percentage Yield

Step-Up, Term Share Certificate ($500 - $24,999)

Type APY* Dividend
36-47 Month Certificate** 1.58% 1.564%
48-59 Month Certificate** 1.70% 1.687%
60-71 Month Certificate** 2.14% 2.119%

 

Step-Up, Term Share Certificate ($25,000 and over)

Type APY* Dividend
36-47 Month Certificate** 1.68% 1.662%
48-59 Month Certificate** 1.80% 1.785%
60-71 Month Certificate** 2.24% 2.217%

*APY = Annual Percentage Yield
**Step-Up, Term-Share Certificates are only available for terms of 36-71 months. Minimum deposit amount required is $500. An increase, or step-up, to the Step-Up, Term-Share Certificate can be requested by Century Federal Credit Union member only once during the term of the certificate, at the members written request. Step-up increases are limited to a 1% bump over the original rate of the member’s certificate. The member must complete and sign the required "Step-Up Certificate Rate Adjustment Form" that can be obtained at any of Century Federal’s branch locations or by contacting the Member Service Center at 216-535-3200. The member’s Step-Up Certificate will be reviewed by a Century Federal representative to confirm that they have not previously stepped-up the rate, before any rate adjustment can be made. Once the form is completed and submitted to Century Federal for processing, the member’s Step-Up Certificate will be adjusted to Century Federal’s current published rate and annual percentage yield (APY) for the remaining term of the certificate. The term of the Step-Up Certificate is not extended by the Step-Up APY/rate increase feature. An APY/rate increase is not retroactive. This rate adjustment can be completed only once during the term of the Step-Up Certificate and will be completed without any penalty to the member. No funds may be withdrawn from or any additional funds deposited into the certificate at this time. If a member elects to not Step-Up the APY/rate of the certificate during its term, the APY/rate will remain the same for the duration of the certificate. Once the Step-Up Certificate term expires, the certificate will renew as a standard term-share certificate. If the member would like to renew their certificate as a Step-Up Certificate again, the member must request this during the roll-over grace period. If the Step-Up Certificate is not available at the time of renewal, this option would not be available to the member.

DreamMaker Youth Term Share Certificate (minimum $100)

Type APY* Dividend
6 Month Certificate 0.55% 0.549%

*APY = Annual Percentage Yield


All rates and terms are subject to change at any time. Fees may reducing earnings. Penalties may be applied for early withdrawal.

 

Credit Cards

Type APR* Term Limit
Platinum Cash Back VISA
8.25% Revolving up to $35,000**
Platinum Cash Back Young Adult VISA
16.90% Revolving up to $2,500**
myChoice Rewards VISA
9.99% Revolving up to $35,000**
myChoice Rewards Young Adult VISA
16.90% Revolving up to $2,500**
Business VISA
8.25% Revolving up to $35,000**
Secure VISA
15.35% Revolving up to $35,000**

*APR = Annual Percentage Rate
**Credit limit and rates subject to credit score

Secure VISA requires personal funds for card. Credit card rates can increase or decrease after account is opened. Rates are subject to credit score. Rates are subject to change.

New Auto Loans

Tier 36 Month 48 Month 60 Month 72 Month 84 Month
Auto Rate (as low as) 2.50% 2.60% 2.70% 2.80% 3.50%

*Rates shown use APR.
Rates are subject to credit score. Rates are subject to change
Discount - 0.25% - Auto deduct or auto debit originated by Century Federal

Used Auto Loans

Tier 36 Month 48 Month 60 Month 72 Month 84 Month
Auto Rate (as low as) 3.10% 3.20% 3.30% 3.40% 4.10%

*APR = Annual Percentage Rate
Rates are subject to credit score. Rates are subject to change
Discount - 0.25% - Auto deduct or auto debit originated by Century Federal

Signature Loan

Type APR* LIMIT
Signature (as low as)
Prime Rate plus 6.25%
10.50% $35,000

Discount - 0.25% Auto Deduct or Auto Debit originated by Century Federal
Limit subject to credit score and income qualifications

Line of Credit

Type APR* LIMIT
Line of Credit (as low as)
Rate is Prime plus 6.25%
10.50% $35,000

Rates are subject to credit score. Rates adjust on first business day of the month following a Prime Rate change
Loan is subject to credit approval. Rate will be determined by your credit score. Credit line determined by your credit score and income qualifications
Payment is 2% of balance or $15

Share Secured

Type APR*
Share
Revolving
1.20%

Certificate

Type APR*
Certificate
1% over certificate rate

*APR = Annual Percentage Rate

Type Rate APR* Apply
1/1 ARM - 30 Year (up to 85% LTV)
3.55% 3.32% Print Application
3/1 ARM - 30 Year (up to 85% LTV)
3.80% 3.41% Print Application
5/1 ARM - 30 Year (up to 85% LTV)
4.05% 3.56% Print Application
7/1 ARM - 30 Year (up to 85% LTV)
4.30% 3.77% Print Application
10/1 ARM - 30 Year (up to 85% LTV)
4.55% 4.08% Print Application
15/15 ARM - 30 Year (up to 85% LTV)
3.35% 3.29% Print Application

Fixed Rate Mortgage Loan Products

Type Rate APR* Apply
10 Year (up to 85% LTV)
2.75% 2.75% Print Application
15 Year (up to 85% LTV)
3.00% 3.00% Print Application
20 Year (up to 80% LTV)
3.45% 3.48% Print Application
30 Year (up to 80% LTV)
3.70% 3.72% Print Application
Type Rate APR* Apply
10 YEAR LOW COST ($100,000+ & UP TO 85% LTV)**
3.15% 3.18% Print Application
10 YEAR LOW COST ($50,000-$99,999 & UP TO 85% LTV)**
3.55% 3.60% Print Application
Type Rate Apply
20 & 30 Year*** (up to 95% LTV) View Rates Apply Online

*APR = Annual Percentage Rate
**Low Cost Mortgage option available on 10-Year, Fixed-Rate Mortgage Loans only. Closing costs are reduced to a flat rate of $250.
***Loan option only available through myCU Mortgage for those borrowers with less than 20% down payment or home equity.

Owner-Occupied (1-4 Family)

1st Mortgage Holder LTV APR* Ceiling
HELOC*
*as low as Prime
85% 4.25% 13.5%

*APR = Annual Percentage Rate
*Rates are subject to credit score

Term Second Mortgage (15 Year)

Type Rate APR* Ceiling
Fixed (2nd Mortgage)
4.00% 4.00%

** Interest rate set at the Wall Street Journal Prime. Variable rate for the line is as low as Prime plus 0.0% to the maximum of Prime plus 2% with the lifetime cap of 13.50%. Property and Flood insurance required, if applicable. Interest only payments, with balloon payment at the end of term. A $25.00 minimum monthly payment is required. There is a 13 Year draw period with a 2 Year repayment. The loan is subject to credit approval. Minimum line of credit is $5,000. Maximum line of credit is $250,000. Drafts are issued with new line of credit. There are no annual fees or closing costs. If you close your line within the first year there will be an early closure fee of $350.00. Consult your tax advisor about the deductibility of interest.

 

Share (Savings)

Type APY* Dividend
Savings
Balance is $50 to $1,999.99
0.10% 0.100%
Savings
Balance is $2,000 to $4,999.99
0.10% 0.100%
Savings
Balance is $5,000 to $9,999.99
0.10% 0.100%
Savings
Balance is $10,000 to 24,999.99
0.15% 0.150%
Savings
Balance is $25,000 to $49,999.99
0.18% 0.180%
Savings
Balance is $50,000 and over
0.20% 0.200%

Above Rates also apply to Special Share and Christmas Club Accounts
*APY = Annual Percentage Yield
$5 Deposit to Open
$50 to Earn Dividends
* Rates are declared for 2nd quarter 04/1/12 through 06/30/12. Rates subject to change for current quarter.

Share Draft (Checking)

Type APY* Dividend
Regular Checking
Balance is $1,000.00 to $4,999.99
0.03% 0.030%
Regular Checking
Balance is $5,000.00 and over
0.05% 0.050%

*APY = Annual Percentage Yield
$25 Deposit to Open
$1,000 Average Daily Balance to Earn Dividends

Guy Thorpe Money Multiplier

Type APY* Dividend
MMA
Balance is $2,000 - $4,999
0.20% 0.20%
MMA
Balance is $5,000 - $9,999
0.25% 0.25%
MMA
Balance is $10,000 - $24,999
0.30% 0.30%
MMA
Balance is $25,000 - $49,999
0.40% 0.40%
MMA
Balance is $50,000 and over
0.50% 0.50%

$5,000 to Open; $2,000 to Earn Dividends
*APY = Annual Percentage Yield

IRA (Traditional, Roth and Coverdell Educational)

Type APY* Dividend
IRA
0.50% 0.50%

*APY = Annual Percentage Yield