Business Details
50+ Years
experience
Your Trusted Financial Partner in Cleveland, OH
Century Federal Credit Union has served Northeast Ohio since 1948, operating as a member-owned financial cooperative with over $400 million in assets. We prioritize community needs by returning earnings to members through competitive rates, low fees, and personalized service. Our 75+ year history includes strategic mergers, technological advancements, and partnerships with local organizations like the Cleveland Cavaliers.With 34,000 members and 350+ Select Employee Groups, we offer comprehensive financial solutions including checking accounts, mortgage programs, and business services. Our commitment to accessibility ensures digital tools like mobile banking and 30,000+ surcharge-free ATMs. As a NCUA-insured institution, we combine local expertise with national resources to deliver trusted financial stewardship.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgages
Credit Cards
Debit Cards
Personal Loans
Home Equity Lines
Certificates of Deposit
Online Banking
Details
- Year established: 1948
Highlights and features
- We offer over 75 years of community-focused financial service expertise
- Member-owned with no hidden fees or service charges
- Access to nearly 30,000 surcharge-free ATMs nationwide
- Personalized financial solutions tailored to Northeast Ohio residents
- Committed to accessibility and inclusive banking practices
Associations and certifications
- NCUA
Services
Auto Loans
We provide competitive auto loans for new and used vehicles, including refinancing options and lease buyouts. Our members benefit from flexible terms up to 84 months, purchase incentives from local dealerships, and vehicle protection products. With streamlined online applications and quick approval processes, we help members upgrade their transportation while maintaining affordable monthly payments.
Mortgages
Our mortgage programs offer purchase, refinance, and home equity solutions with competitive rates. Members access fixed-rate mortgages, adjustable-rate options, and specialized programs through partnerships with myCUMortgage. The Home Team provides personalized guidance for first-time buyers, cash-out refinancing, and low-cost mortgage options with minimal closing costs.
Checking Accounts
Free checking accounts require only $10 to open with no monthly maintenance fees. Members receive dividend earnings on balances over $1,000, Zelle transfers, and early paycheck access through direct deposit. Additional features include debit cards, mobile banking, and surcharge-free ATM access across two national networks.
Savings Programs
We offer multiple savings options including main share accounts, Christmas clubs, and youth savings programs. Members earn dividends on balances starting at $50 while accessing funds freely. Specialized accounts like Money Market and Certificates of Deposit provide higher yields for larger balances and longer-term commitments.
Personal Loans
Unsecured personal loans require only a signature and credit history for approval. Members consolidate debt at lower rates, access emergency funds, or finance major purchases with flexible repayment terms. Automatic payments qualify for 0.25% interest rate discounts, and online tools simplify application and management.
Questions
How do I become a member of Century Federal Credit Union?
Join by opening a $5 savings account and becoming part of our 350+ Select Employee Groups in Northeast Ohio through online enrollment or branch visits.
What loan options are available for first-time auto buyers?
We offer competitive auto loan rates with terms up to 84 months, purchase incentives, and vehicle protection products specifically for first-time buyers.
Can I access my accounts outside business hours?
Yes, our online banking and mobile app provide 24/7 access to account management, bill payments, and mobile check deposits.
What mortgage programs do you offer for first-time homebuyers?
We provide FHA loans with 3.5% down payments, VA loans for veterans, and specialized guidance through our Home Team mortgage professionals.
How many ATMs can I use without fees?
Access 13 owned ATMs plus 30,000+ surcharge-free locations nationwide through MoneyPass and Alliance One networks.
Do you offer student loan services?
While we don't offer traditional student loans, our credit union partners provide educational financing options through specialized programs.
Reviews (1)
Spencer Wade
Aug 28, 2015
Report
My wife has had an account here for years, I mean since the the early 90's. Every time we need to talk to CS we are forced to wait during business hours. This is the second time a few years where we make a payment and they claim it didn't go through, then they take money out of your savings to cover it but still hit you with fees. Then when you have to prove your payment it takes hours if not days to get done. I have been trying to ditch this company for years for their lack of service. Today we spoke to Donna Gillis and she went out of her way to get things done, she was so polite. Even though
