Credit union · NCUA insured
Century Credit Union Savings Rates
Century Credit Union’s best savings rate is 2.43% APY on $10,000, with its Smart Savers (Money Market). Rates checked October 17, 2026.
How Century Credit Union’s savings 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
3.55%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $355
Prime Money Market
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
Century Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0002.43%
- $100,000 balance$100,0002.78%
- QualifiedQualified3.55%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Century Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Prime Money Market
Up to 3.55%APY
Requires $10,000 minimum average daily balance, ongoing direct deposit ($250+/month), eStatements, active checking account, and active Visa credit card (min. 3 transactions/month). $5 minimum deposit to open. No monthly fee. Available to members living/working in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances if qualifications aren't met (earns regular savings account rate). | 0.30% | $30 | Applies to all balances if qualifications aren't met (earns regular savings account rate). |
| $10,000 – $500,000Requires minimum $10,000 average daily balance, direct deposit ($250+/month), eStatements, active checking account, and active Visa credit card (min. 3 transactions/month). Interest calculated based on average daily balance each month and paid at month-end. | 3.55% | $355 | Requires minimum $10,000 average daily balance, direct deposit ($250+/month), eStatements, active checking account, and active Visa credit card (min. 3 transactions/month). Interest calculated based on average daily balance each month and paid at month-end. |
| $500,000 and upApplies to qualified balances over $500,000 when meeting account qualifications. Interest calculated based on average daily balance each month and paid at month-end. | 0.30% | — | Applies to qualified balances over $500,000 when meeting account qualifications. Interest calculated based on average daily balance each month and paid at month-end. |
Sources (3)
All captured Oct 5, 2026
Smart Savers (Money Market)
2.43%APY
Available to members who live or work in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO. $5 minimum deposit to open. No monthly fee. Interest calculated on average daily balance each month and paid at month-end.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500Interest calculated based on average daily balance each month and paid at month-end. | 0.30% | — | Interest calculated based on average daily balance each month and paid at month-end. |
| $2,500 – $10,000Interest calculated based on average daily balance each month and paid at month-end. | 2.32% | — | Interest calculated based on average daily balance each month and paid at month-end. |
| $10,000 – $25,000Interest calculated based on average daily balance each month and paid at month-end. | 2.43% | $243 | Interest calculated based on average daily balance each month and paid at month-end. |
| $25,000 – $50,000Interest calculated based on average daily balance each month and paid at month-end. | 2.53% | — | Interest calculated based on average daily balance each month and paid at month-end. |
| $50,000 – $75,000Interest calculated based on average daily balance each month and paid at month-end. | 2.63% | — | Interest calculated based on average daily balance each month and paid at month-end. |
| $75,000 – $100,000Interest calculated based on average daily balance each month and paid at month-end. | 2.73% | — | Interest calculated based on average daily balance each month and paid at month-end. |
| $100,000 and upInterest calculated based on average daily balance each month and paid at month-end. | 2.78% | — | Interest calculated based on average daily balance each month and paid at month-end. |
Sources (3)
All captured Oct 5, 2026
Quick Stash
0.30%APY
Round up debit card purchases automatically deposited into savings. Match up to $10 for first 30 days.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Paid on balances up to $1,000. Interest/dividend is calculated based on average quarterly balance and paid quarterly. Match of rounded-up savings up to $10 for first 30 days upon enrollment. | 1.00% | — | Paid on balances up to $1,000. Interest/dividend is calculated based on average quarterly balance and paid quarterly. Match of rounded-up savings up to $10 for first 30 days upon enrollment. |
| $1,000 and upPaid on balances over $1,000. Interest/dividend is calculated based on average quarterly balance and paid quarterly. | 0.30% | $30 | Paid on balances over $1,000. Interest/dividend is calculated based on average quarterly balance and paid quarterly. |
Sources (3)
All captured Oct 5, 2026
Regular Savings
0.30%APY
Initial deposit establishes membership and must remain in account. Dividends paid on balances of $100+.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid on balances of $100+. Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter.$100 and up | 0.30% | $30 | Dividends paid on balances of $100+. Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter. |
Sources (2)
All captured Oct 5, 2026
Special Savings
0.30%APY
Special savings account for specific savings goals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter.Any balance | 0.30% | $30 | Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Dollar Den Kids Club
0.30%APY
For kids ages 12 and younger. Requires parent or guardian as joint owner. Transitions to Boost Club at age 13.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Paid on balances up to $1,000 for kids ages 12 and younger. High dividends paid quarterly. | 10.00% | — | Paid on balances up to $1,000 for kids ages 12 and younger. High dividends paid quarterly. |
| $1,000 and upPaid on balances over $1,000 for kids ages 12 and younger. Dividends paid quarterly. | 0.30% | $30 | Paid on balances over $1,000 for kids ages 12 and younger. Dividends paid quarterly. |
Sources (3)
All captured Oct 5, 2026
Christmas Club
0.30%APY
Dedicated holiday savings account. Tiered rates apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Paid on balances up to $1,000. Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter. | 5.09% | — | Paid on balances up to $1,000. Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter. |
| $1,000 and upPaid on balance above $1,000. Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter. | 0.30% | $30 | Paid on balance above $1,000. Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter. |
Health Savings Account (HSA)
0.75%APY
Must be paired with a high-deductible healthcare plan. Triple tax advantage for eligible medical expenses. Debit card included.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePaired with high-deductible healthcare plan. Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter.Any balance | 0.75% | $75 | Paired with high-deductible healthcare plan. Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter. |
Sources (2)
All captured Oct 5, 2026
Individual Retirement Account (IRA)
0.75%APY
Traditional and Roth IRA savings options available. Penalties may apply for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional and Roth IRA savings. Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter.Any balance | 0.75% | $75 | Traditional and Roth IRA savings. Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter. |
Sources (2)
All captured Oct 5, 2026
Boost Teen Account Savings
0.50%APY
For teens ages 13 to 18. Parent must be listed on account through age 17.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor teens ages 13 to 18. Parent must be listed on account through age 17. Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter.Any balance | 0.50% | $50 | For teens ages 13 to 18. Parent must be listed on account through age 17. Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter. |
Sources (2)
All captured Oct 5, 2026
Vacation Club
0.30%APY
Savings account dedicated to setting money aside for vacation and travel goals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter.Any balance | 0.30% | $30 | Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter. |
Sources (2)
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.