Credit union · NCUA insured
Century Federal Credit Union CD Rates
Century Federal Credit Union’s best CD rate is 4.05% APY on a 25-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Century Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Cleveland, OH, where Century Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Century Federal Credit Union
4.05%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $862
Term-Share Certificate
Top rate
7 17 Credit Union
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,612
2nd-highest rate
First Federal Savings of Lorain
4.60%APY
- Term
- 35 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $1,402
Century Federal Credit Union CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo2.24%
- 9–15 months9–15 mo3.39%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo2.99%
- QualifiedQualified4.05%
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 Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term-Share Certificate
Up to 4.05%APY · 10 terms
Fixed rate of return. Choose terms from 3 to 71 months. Automatic renewal. NCUA insured up to $250,000.
| Term | APY · $500 – $24,999 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3–5 months | 0.99% | 0.99% | 0.99%0.99% from $25k | $25 |
| 6–11 months | 2.24% | 2.24% | 2.24%2.24% from $25k | $111 |
| 12–17 months | 2.74% | 2.74% | 2.74%2.74% from $25k | $274 |
| 13 monthsNew money deposits only (funds not currently on deposit with the credit union). Promotional rate subject to change or withdrawal without notice; early withdrawal penalty may apply | — | 3.39% | —3.39% from $25k | — |
| 13 monthsPromotional CD Specials offer requires a minimum of $500 in new money not currently on deposit with Century Federal Credit Union. New money must originate from a source outside of Century Federal Credit Union. Other restrictions may apply. Contact us for complete details | 3.39% | — | 3.39% | $368 |
| 18–23 months | 2.74% | 2.74% | 2.74%2.74% from $25k | $414 |
| 24–35 months | 2.74% | 2.74% | 2.74%2.74% from $25k | $556 |
| 25 monthsNew money deposits only (funds not currently on deposit with the credit union). Promotional rate subject to change or withdrawal without notice; early withdrawal penalty may apply | — | 4.05% | —4.05% from $25k | — |
| 25 monthsPromotional CD Specials offer requires a minimum of $500 in new money not currently on deposit with Century Federal Credit Union. New money must originate from a source outside of Century Federal Credit Union. Other restrictions may apply. Contact us for complete details | 4.05% | — | 4.05% | $862 |
| 36–47 months | 2.74% | 2.74% | 2.74%2.74% from $25k | $845 |
| 48–59 months | 2.74% | 2.74% | 2.74%2.74% from $25k | $1,142 |
| 60–71 months | 2.99% | 2.99% | 2.99%2.99% from $25k | $1,587 |
Sources (1)
- cenfedcu.org/personal-banking/…ngs-account/certificates · captured Oct 6, 2026
Step-Up CD
Up to 2.99%APY · 3 terms
Only available for terms of 36-71 months. One-time rate increase (step-up) opportunity up to a 1% bump over original rate at member's written request. Promotional/special rates do not apply. Renews as standard term-share certificate upon maturity.
| Term | APY · $500 – $24,999 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 36–47 monthsOne-time step-up rate bump available up to 1% over original rate during term | 2.74% | 2.74% | 2.74%2.74% from $25k | $845 |
| 48–59 monthsOne-time step-up rate bump available up to 1% over original rate during term | 2.74% | 2.74% | 2.74%2.74% from $25k | $1,142 |
| 60–71 monthsOne-time step-up rate bump available up to 1% over original rate during term | 2.99% | 2.99% | 2.99%2.99% from $25k | $1,587 |
Sources (1)
- cenfedcu.org/personal-banking/…ngs-account/certificates · captured Oct 6, 2026
Special-purpose accounts
IRA Certificate
Up to 4.05%APY · 10 terms
NCUA insured up to $250,000. Automatic renewal.
| Term | APY · $500 – $24,999 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3–5 months | 0.99% | 0.99% | 0.99%0.99% from $25k | $25 |
| 6–11 months | 2.24% | 2.24% | 2.24%2.24% from $25k | $111 |
| 12–17 months | 2.74% | 2.74% | 2.74%2.74% from $25k | $274 |
| 13 monthsNew money deposits only (funds not currently on deposit with the credit union). Promotional rate subject to change or withdrawal without notice; early withdrawal penalty may apply | — | 3.39% | —3.39% from $25k | — |
| 13 monthsPromotional CD Specials offer requires a minimum of $500 in new money not currently on deposit with Century Federal Credit Union. New money must originate from a source outside of Century Federal Credit Union. Other restrictions may apply. Contact us for complete details | 3.39% | — | 3.39% | $368 |
| 18–23 months | 2.74% | 2.74% | 2.74%2.74% from $25k | $414 |
| 24–35 months | 2.74% | 2.74% | 2.74%2.74% from $25k | $556 |
| 25 monthsNew money deposits only (funds not currently on deposit with the credit union). Promotional rate subject to change or withdrawal without notice; early withdrawal penalty may apply | — | 4.05% | —4.05% from $25k | — |
| 25 monthsPromotional CD Specials offer requires a minimum of $500 in new money not currently on deposit with Century Federal Credit Union. New money must originate from a source outside of Century Federal Credit Union. Other restrictions may apply. Contact us for complete details | 4.05% | — | 4.05% | $862 |
| 36–47 months | 2.74% | 2.74% | 2.74%2.74% from $25k | $845 |
| 48–59 months | 2.74% | 2.74% | 2.74%2.74% from $25k | $1,142 |
| 60–71 months | 2.99% | 2.99% | 2.99%2.99% from $25k | $1,587 |
Sources (1)
- cenfedcu.org/personal-banking/…ngs-account/certificates · captured Oct 6, 2026
DreamMaker Youth Term-Share Certificate
2.24%APY · 1 term
Youth certificate for kids and teens. Fixed rate of return. 6-month term. NCUA insured up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.24% | $111 |
Sources (1)
- cenfedcu.org/personal-banking/…ngs-account/certificates · captured Oct 6, 2026
Who can join Century Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of participating Select Employee Group (SEG) partner organizations are eligible for membership.
Family and household
- Immediate family members of employees of Select Employee Group (SEG) partners are eligible for membership.
Membership information collected October 5, 2026.