Century Credit Union
Headquarters
1540 Lemay Ferry Rd
Saint Louis, MO 63125
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Reviewed by Jana | March 11, 2023 |
I have been a member of Century Credit Union since about 2006. The customer service is outstanding. The savings rates are excellent and the fees are extremely minimal. I often recommend it to others.
2024 Overview
General Credit Union Information
Century is an NCUA insured institution located in Saint Louis, MO. It was founded in 1954 and has approximately $154.42 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60435 |
| Date Established | 1954 |
| Assets | $154.42 million |
| Loans | $85.43 million |
| Deposits | $126.30 million |
| Capital | $27.44 million |
Field of Membership Restrictions
Century CU is available to the residents of these Missouri Counties; St.Louis, Jefferson, and Franklin. Membership is also available to all of the employees of the CU-affiliated SEG's that are listed under the link on the Century Credit Union website.
Deposit Rates - October 26, 2024
Your Current Location: Kansas, KS 10007
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.25% | $2,500 | $4,999 |
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Money Market
|
0.35% | $2,500 | $2,999 |
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|
|
Money Market
|
0.40% | $10,000 | $14,999 |
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|
Money Market
|
0.45% | $25,000 | $29,999 |
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|
|
Premium Money Market Account
|
1.00% | $10,000 | $14,999 |
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|
Premium Money Market Account
|
1.00% | $25,000 | $34,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.75% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - October 26, 2024
Your Current Location: Kansas, KS 10007
There are currently no loan rates available for Century
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Kansas 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.962% | 6.875% | 0.63 | $2,847 | $2,103 | Learn More |
NMLS ID: 3030 |
7.076% | 6.990% | 0.88 | $2,800 | $2,127 | Learn More |
NMLS ID: 399801 |
Learn More |
Featured - Kansas Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
Note to Century
To upload and update your bank's rates please register.
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Branches
Below are Century branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Gardner,Kansas
Century Locations around zip code 10007
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 242.72 | A | View Lobby Hours | |
| 246.51 | B | View Lobby Hours |
Climate Policy and Initiatives
CENTURY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Century Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Century. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Century | U.S. Average |
|---|---|
| 1.63% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Century had $290,643 in non-current loans and $165,666 in owned assets. To cover these potential losses it had $27,440,303 in net worth and $542,380 in loans loss reserves. That gives it a Texas Ratio of 1.63%.
Net Worth
| Century | U.S. Average |
|---|---|
| 17.77% | 13.93% |
Century FCU has a net worth of 17.77% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Century
Jana
March 11, 2023 |
I have been a member of Century Credit Union since about 2006. The customer service is outstanding. The savings rates are excellent and the fees are extremely minimal. I often recommend it to others.
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