Credit union · NCUA insured
Century Federal Credit Union Savings Rates
Century Federal Credit Union’s best savings rate is 0.24% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Century Federal Credit Union’s savings 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
5.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $500
Money Market Innovator
2nd-highest rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
3rd-highest rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
Century Federal Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0005.00%
- $10,000 balance$10,0005.00%
- $100,000 balance$100,0000.50%
- QualifiedQualified5.00%
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 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.
Savings Jar
10.47%APY
Debit card purchases are rounded up to the nearest dollar and the spare change is transferred to the Savings Jar account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRound-up savings from debit card purchases.Any balance | 10.47% | $1,047 | Round-up savings from debit card purchases. |
Sources (1)
- cenfedcu.org/personal-banking/…ing/checking/savings-jar · captured Oct 16, 2026
Ohio Homebuyer Plus Program
7.23%APY
Must be an Ohio resident at least 18 years old with a primary residence in Ohio. Account proceeds must be used for down payment or closing costs of a primary residence in Ohio. Funds must be used within 5 years of opening. Limit one account per SSN. Account is individually owned.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $100,000Rate effective as of 04/21/2025. Account must be used within 5 years.$500 – $100,000 | 7.23% | $723 | Rate effective as of 04/21/2025. Account must be used within 5 years. |
Sources (1)
- cenfedcu.org/personal-banking/…o-homebuyer-plus-program · captured Oct 16, 2026
Money Market Innovator
Up to 5.00%APY
Opening minimum $100. Earn 5% promotional rate for the lowest tier for 90 days.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $19,999Earn 5% promotional rate for the lowest tier for 90 days. | 5.00% | $500 | Earn 5% promotional rate for the lowest tier for 90 days. |
| $100 – $19,999Standard rate on balances of $100 to $19,999. | 0.75% | $75 | Standard rate on balances of $100 to $19,999. |
| $20,000 – $74,999Standard rate on balances of $20,000 to $74,999. | 0.60% | — | Standard rate on balances of $20,000 to $74,999. |
| $75,000 and upStandard rate on balances of $75,000 and over. | 0.50% | — | Standard rate on balances of $75,000 and over. |
Sources (1)
- cenfedcu.org/personal-banking/…t/money-market-innovator · captured Oct 6, 2026
Money Market
0.24%APY
$5,000 minimum to open; dividends paid on balances of $2,000+. $2 monthly fee applies only if balance drops below $1,000 during the month. Flexible access up to 6 withdrawals or transfers per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $4,999Dividends paid on balances of $2,000+. $2 monthly fee applies only if balance drops below $1,000 during the month. | 0.24% | — | Dividends paid on balances of $2,000+. $2 monthly fee applies only if balance drops below $1,000 during the month. |
| $5,000 – $9,999Dividends paid on balances of $2,000+. $2 monthly fee applies only if balance drops below $1,000 during the month. | 0.24% | — | Dividends paid on balances of $2,000+. $2 monthly fee applies only if balance drops below $1,000 during the month. |
| $10,000 – $24,999Dividends paid on balances of $2,000+. $2 monthly fee applies only if balance drops below $1,000 during the month. | 0.24% | $24 | Dividends paid on balances of $2,000+. $2 monthly fee applies only if balance drops below $1,000 during the month. |
| $25,000 – $49,999Dividends paid on balances of $2,000+. $2 monthly fee applies only if balance drops below $1,000 during the month. | 0.24% | — | Dividends paid on balances of $2,000+. $2 monthly fee applies only if balance drops below $1,000 during the month. |
| $50,000 – $99,999Dividends paid on balances of $2,000+. $2 monthly fee applies only if balance drops below $1,000 during the month. | 0.44% | — | Dividends paid on balances of $2,000+. $2 monthly fee applies only if balance drops below $1,000 during the month. |
| $100,000 and upDividends paid on balances of $2,000+. $2 monthly fee applies only if balance drops below $1,000 during the month. | 0.44% | — | Dividends paid on balances of $2,000+. $2 monthly fee applies only if balance drops below $1,000 during the month. |
Sources (1)
- cenfedcu.org/personal-banking/…ngs-account/money-market · captured Oct 6, 2026
Main Share Savings Account
0.15%APY
Establishes credit union membership. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,200$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
| $2,000 – $5,000$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
| $5,000 – $10,000$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
| $10,000 – $25,000$5 deposit to open. $50 to earn dividends. | 0.15% | $15 | $5 deposit to open. $50 to earn dividends. |
| $25,000 – $50,000$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
| $50,000 and up$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
Sources (1)
- cenfedcu.org/personal-banking/…in-share-savings-account · captured Oct 16, 2026
Special Share Account
0.15%APY
Special Share account shares the same rate schedule and opening requirements as Share Savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,200$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
| $2,000 – $5,000$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
| $5,000 – $10,000$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
| $10,000 – $25,000$5 deposit to open. $50 to earn dividends. | 0.15% | $15 | $5 deposit to open. $50 to earn dividends. |
| $25,000 – $50,000$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
| $50,000 and up$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
Sources (1)
- cenfedcu.org/personal-banking/…in-share-savings-account · captured Oct 16, 2026
Special-purpose accounts
Coverdell Education Savings Account (CESA)
0.50%APY
Beneficiary must be under age 18 (or special needs). Contributor MAGI under $110,000 (single) or $220,000 (joint). Contribution limit up to $2,000/year per child. Tax-free growth and withdrawals for qualifying educational expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (1)
- cenfedcu.org/personal-banking/…king/savings-account/ira · captured Oct 16, 2026
Traditional and Roth Individual Retirement Account (IRA) Savings
0.50%APY
Must have earned income. Traditional IRA: contributions may be tax-deductible, earnings tax-deferred, RMDs start at 73. Roth IRA: after-tax contributions, tax-free growth and qualifying withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (1)
- cenfedcu.org/personal-banking/…king/savings-account/ira · captured Oct 16, 2026
Christmas Club Savings
0.15%APY
No monthly maintenance fees. Withdraw like a regular savings account with no restrictions or penalties.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
| $2,000 – $5,000$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
| $5,000 – $10,000$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
| $10,000 – $25,000$5 deposit to open. $50 to earn dividends. | 0.15% | $15 | $5 deposit to open. $50 to earn dividends. |
| $25,000 – $50,000$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
| $50,000 and up$5 deposit to open. $50 to earn dividends. | 0.15% | — | $5 deposit to open. $50 to earn dividends. |
Sources (1)
- cenfedcu.org/personal-banking/…t/christmas-club-savings · captured Oct 16, 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.