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Personal Loans and Deposits

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Personal Loans and Deposits

All rates and terms are subject to change at any time.

 

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For more information, call (866) 823-6887

Other Loans
Product Annual Percentage Rate (APR) Minimum Down
Personal Credit Line (A) 8.000% n/a
Overdraft Protection (B) 18.00% n/a
Unsecured Loan (E) 12.50% n/a
Product Annual Percentage Rate (APR) Minimum Down Payment per $1,000 borrowed
New Auto (C) 36 months 4.99% 20% $29.97
New Auto (C) 48 months 4.99% 20% $23.02
New Auto (C) 60 months 5.50% 20% $19.10
Used Auto (C) Up to 48 months 6.99% 20% $23.94

Deposit Secured Deposit Rate + 3% or 6.00%, whichever is greater

(A) Product is a variable Prime + 4.00% and will not go below 8.00%. Personal Credit Lines are accessible by check. The annual percentage rate (APR) is variable and based on the Prime Rate plus 4.00% as published in the Wall Street Journal as of the last business day of the month effective with the first business day of the following month. Prime rate for today is listed at the top of this page. Maximum line amount is $10,000. The Maximum APR is 18.00% and will not go below 8.00%.
(B) Line of Credit Overdraft Protection, linked to your personal checking account, maximum line is $10,000 and has a $25.00 annual fee.
(C) Auto loan rates are quoted with a .50% reduction assuming autodebit from a Century Account. New auto loans up to 80% financed and used auto loans up to 80% of NADA finance value or 80% of purchase price, whichever is lower.
(E) Unsecured loan rates are quoted with a .50% reduction assuming autodebit from a Century account. Unsecured installment loans up to a maximum of $25,000. Various repayment terms available.

Subject to credit approval.

CHECKING
Product Minimum To Open Min. Daily Balance To Earn Stated APY % Interest Rate % Annual Percentage Yield (APY)
Platinum Checking $10 $10 0.05 0.05
SAVINGS
Savings / Savings 18-65 $1 $10 0.02 0.02
Super Savings (Requires a monthly automatic transfer from checking of $50+) $10 $10 0.30 0.30
MONEY MARKET
Money Market Account $1 $10 0.02 0.02
$10,000 0.05 0.05
$25,000 0.08 0.08
$50,000 0.10 0.10
CDS/IRA CDS (AUTO-RENEWABLE)
1 month up to 3 months (J) $500 N/A 0.10 0.10
3 months up to 6 months (J) $500 N/A 0.25 0.25
6 months up to 1 year (J) $500 N/A 0.35 0.35
1 year up to 2 years (J) $500 N/A 0.50 0.50
2 years up to 3 years $500 N/A 0.80 0.80
3 years up to 5 years $500 N/A 0.90 0.90
5 years $500 N/A 1.00 1.00
CD SPECIAL PROMOTION
6 months* $500 N/A 0.50 0.50
12-18 months* $500 N/A 0.90 0.90
36 months* $500 N/A 1.24 1.25
48 months* $500 N/A 1.74 1.75
60 months* $500 N/A 1.83 1.85
OTHER INDIVIDUAL RETIREMENT OPTIONS
IRA Savings $100 N/A 0.50 0.50

(J) This product is available as a Jumbo for deposits over $250,000. Call for quotes on longer term options.

Any Annual Percentage Yield (APY) assumes all balances, principal plus interest will remain on deposit until maturity for account with terms, or for at least one year on accounts with no term. Interest is compounded monthly.

All rates are subject to change after account opening except non-variable CDs which are fixed for the term. 

Withdrawals or fees could reduce earnings on these accounts. Please call Customer Service at (866) 823-6887 for more details, to hear about other rates available and complete disclosure on our Certificate of Deposit.

Withdrawals prior to maturity requires the consent of the Bank. Substantial penalties are imposed for early withdrawals from term accounts.

*Special offers are valid for new to the bank money only and requires you have or open a Century Bank checking account with a deposit balance of $100.00 or more.

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