Credit union · NCUA insured
Century Credit Union Credit Card Rates
Century Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 17, 2026.
How Century Credit Union’s credit card rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Century Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Century Credit Union
10.90%APR
- Up to
- 19.90% APR
Century Visa Classic
Lowest rate
FRB Federal Credit Union
7.50%APR
- Up to
- —
2nd-lowest rate
First Community Credit Union
7.90%APR
- Up to
- 16.90% APR
Century Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Century Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Century Visa Classic
Fixed rate. Rates vary based on creditworthiness. Credit limits vary based on debt-to-income ratio. No annual fees, balance transfer fees, cash advance fees, or over-the-limit fees. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90%–19.90% | None | Fixed APR based on creditworthiness. Rates apply equally to purchases, balance transfers, and cash advances. |
| Ongoing | 14.90% | None | Secured by money on deposit with the credit union. Rates apply equally to purchases, balance transfers, and cash advances. |
| Ongoing | 11.90% | None | For older teens (ages 16 or 17) with proof of income provided and a parent as co-signer. Credit limit of $250. Rates apply equally to purchases, balance transfers, and cash advances. |
| Ongoing | 12.90% | None | For individuals age 18 with proof of income. Credit limit of $500. Rates apply equally to purchases, balance transfers, and cash advances. |
Sources (3)
- centurycu.org/products/loans/rates
- centurycu.org/products/loans/visa-credit-cards
- centurycu.org/products/accounts/credit-card
All captured Oct 5, 2026
Century Visa Platinum
Fixed rate. Credit score of 680 or higher required. Credit limits vary based on debt-to-income ratio. No annual fees, balance transfer fees, cash advance fees, or over-the-limit fees. 25-day grace period on purchases. Cash back rewards available.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Fixed APR based on creditworthiness (credit score of 680 or higher required). Rates apply equally to purchases, balance transfers, and cash advances. |
Sources (3)
- centurycu.org/products/loans/rates
- centurycu.org/products/loans/visa-credit-cards
- centurycu.org/products/accounts/credit-card
All captured Oct 5, 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.