Credit union · NCUA insured
Century Credit Union CD Rates
Century Credit Union’s best CD rate is 4.35% APY on a 9-month share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 17, 2026.
How Century Credit Union’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Century Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Century Credit Union
4.35%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $251
Certificate of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $457
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.35%APY · 8 terms
Without a Century checking account, subtract 0.10% APY. Early withdrawal penalties apply. Maximum deposit amounts may apply. Eligible for individuals who live or work in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.
| Term | APY · Any balance | APY · Up to $50,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsWithout a Century checking account, subtract 0.10%. Interest paid quarterly | 3.50% | — | 3.50% | $173 |
| 7 months7 Month Special up to 4.35% APY. Withdrawal prior to maturity subject to penalty | 4.35% | — | 4.35% | $251 |
| 9 months9-Month Special. Maximum balance $50,000. Without a Century checking account, subtract 0.10%. Interest paid quarterly | — | 4.35% | 4.35% | $325 |
| 9 monthsEffective: 10/17/2026. Qualifications apply | 4.35% | — | 4.35% | $325 |
| 12 monthsWithout a Century checking account, subtract 0.10%. Interest paid quarterly | 3.70% | — | 3.70% | $370 |
| 24 monthsWithout a Century checking account, subtract 0.10%. Interest paid quarterly | 3.75% | — | 3.75% | $764 |
| 36 monthsWithout a Century checking account, subtract 0.10%. Interest paid quarterly | 3.80% | — | 3.80% | $1,184 |
| 48 monthsWithout a Century checking account, subtract 0.10%. Interest paid quarterly | 3.85% | — | 3.85% | $1,631 |
| 60 monthsWithout a Century checking account, subtract 0.10%. Interest paid quarterly | 3.90% | — | 3.90% | $2,108 |
Sources (4)
- centurycu.org
- centurycu.org/products/accounts/rates
- centurycu.org/disclosures
- centurycu.org/products/accounts
All captured Oct 17, 2026
Special-purpose accounts
Teen CD
10.00%APY · 1 term
Available to teens only. Maximum balance $1,000. Opening minimum deposit $100. Parent must be listed on account through age 17. Without a Century checking account, subtract 0.10%. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAvailable to teens only. $1,000 maximum balance. Without a Century checking account, subtract 0.10%. Interest paid quarterly | 10.00% | — |
Sources (4)
- centurycu.org
- centurycu.org/products/accounts/rates
- centurycu.org/products/accounts/teen-saving-and-spending
- centurycu.org/products/accounts
All captured Oct 17, 2026
IRA CD
Up to 4.35%APY · 7 terms
Offers tax-deferred earnings for retirement planning. Available as Traditional or Roth IRA. Minimum deposit to open an adult CD is $1,000. Early withdrawal penalties may apply.
| Term | APY · Any balance | APY · Up to $50,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsWithout a Century checking account, subtract 0.10%. Interest paid quarterly. Tax-deferred earnings. Early withdrawal penalty may apply | 3.50% | — | 3.50% | $173 |
| 9 months9-Month Special. Maximum balance $50,000. Without a Century checking account, subtract 0.10%. Interest paid quarterly. Tax-deferred earnings. Early withdrawal penalty may apply | — | 4.35% | 4.35% | $325 |
| 12 monthsWithout a Century checking account, subtract 0.10%. Interest paid quarterly. Tax-deferred earnings. Early withdrawal penalty may apply | 3.70% | — | 3.70% | $370 |
| 24 monthsWithout a Century checking account, subtract 0.10%. Interest paid quarterly. Tax-deferred earnings. Early withdrawal penalty may apply | 3.75% | — | 3.75% | $764 |
| 36 monthsWithout a Century checking account, subtract 0.10%. Interest paid quarterly. Tax-deferred earnings. Early withdrawal penalty may apply | 3.80% | — | 3.80% | $1,184 |
| 48 monthsWithout a Century checking account, subtract 0.10%. Interest paid quarterly. Tax-deferred earnings. Early withdrawal penalty may apply | 3.85% | — | 3.85% | $1,631 |
| 60 monthsWithout a Century checking account, subtract 0.10%. Interest paid quarterly. Tax-deferred earnings. Early withdrawal penalty may apply | 3.90% | — | 3.90% | $2,108 |
Sources (3)
- centurycu.org/products/account…dual-retirement-account)
- centurycu.org/products/accounts/rates
- centurycu.org/products/accounts
All captured Oct 17, 2026
Who can join Century Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County in Missouri are eligible for membership.
Employers and groups
- Employees of 46 select employee groups within Century Credit Union's field of membership are eligible for membership.
Family and household
- Individuals with a family member who lives or works in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County in Missouri are eligible for membership.
Membership information collected October 4, 2026.