Everything You Need to Know About Century Federal Credit Union: Services, Benefits, and More

Century Federal Credit Union, most of the time known as Century FCU, is a credit union that offers different financial products and services to try to help its members in all ways possible. Here is everything you need to know about Century FCU:

Services:

1. Personal Banking:

• Checking Accounts:
  • Basic Checking: No-frills, low-fee checking account with basic features.
    Interest-Bearing Checking: Interest paid on the balance with some qualifiers.
    Reward Checking: Cash back or interest credited in exchange for specific qualifiers being met.
  Savings Accounts:
  Regular Savings: Standard savings account; competitive interest rates.
• Money Market Accounts: High interest with higher minimum balance requirements.
  • Certificates of Deposit (CDs): Guaranteed fixed-rate interest with a variety of terms.
• Online and Mobile Banking:
  • Online and mobile banking with account management, bill pay, and mobile deposit.
• Credit Cards:
• Visa/MasterCard: Various options of credit cards together with reward programs, low-interest cards, or cashback deals.
• Personal Loans:
  • Personal Unsecured: Loans for various personal needs, such as debt consolidation, home improvement or major purchase.
• Home Loans:
  • Mortgages: To acquire or refinance homes.
• Home Equity Lines of Credit: makes home equity liquid for personal or financial needs.

1. Business Banking:

• Business Checking Accounts: Tailored accounts that serve business finance and money matters.
• Business Savings Accounts: Saving solutions provided to businesses
• Business Loans: Multiple options for financing, including lines of credit, equipment loans, and commercial real estate loans.
• Merchant Services: Payment processing solutions.

1. Investment Services:

• Retirement Accounts: IRAs and other retirement savings programs.
• Investment Products: Different types of options for investing in mutual funds, stocks, and bonds.

1. Insurance Services:

• Property and Casualty Insurance: For personal and business properties.
• Membership Insurance: For the account balances and loans.

1. Financial Planning:

• Counseling and Advice: Help with budgeting, saving, and financial planning.

1. Wealth Management:

• Investment Management: Professional management of investment portfolios.
• Trust Services: The provision of estate planning and trust administration services.

Benefits:

1. Member-Owned Structure:

• Since it is a credit union, Century FCU is member-owned, and therefore, the profits of the FCU come back to the members in the form of better rates and fewer fees.

1. Competitive Rates:

• Generally offers higher interest rates for savings and lower rates on loans compared with traditional banks.

1. Low Fees:

• Typically, fees for account maintenance and transactions are lower.

1. Community Focus:

• Active involvement in the local community by way of supporting and attending local initiatives and events.

1. Personalized Service:
   Adds a better customer service experience with a more professional outlook toward the needs of individual members.
2. Access Points:

• Branch Network: Physical branches for face-to-face banking services
• ATMs: Access to thousands of ATMs to make cash withdrawals and manage accounts easily.

1. Online and Mobile Banking:
   Online and mobile tools for account management, bill payment, and deposit.
2. Educational Resources:

• Financial education resources and tools to help members make informed decisions about their money.

1. Security:

• Strongly emphasizes protecting the security of member data and financial transactions.

#

Eligibility:

• Membership Requirements: Generally membership is limited based on either geographic area, employment, or by not being self-employed or exposed to certain occupational risks. Look inside Century FCU’s website to verify its membership eligibility.

How to Join:

1. Check Eligibility: Make sure to find ways in which you can be eligible for membership.
2. Apply Online or In-Person: Send in an application either in person or through their website.
3. Documentation Required: Essentially, one needs identification and proof of address documents. An initial deposit may also be required.

Contact Information:

• Branch Locations: The addresses for the various branches can be found on the website of Century FCU. Customer service can also be contacted for this information.
• Customer Service: There is a phone number, an email, and a section on their website where a customer can contact customer service with questions concerning opening accounts or applying for services.

One can visit Century Federal Credit Union’s official website at for more information or contact their customer service with regard to updates or special offers.