You can deposit the interest your certificate accrues to your Member Loyalty Account! Your interest will continue to grow for however long you leave it in your MLA. Give us a call at 800-232-3642 or visit your nearest Centra location to set it up.

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Product/Term	Minimum Deposit	Dividend	APY
7 Day	$500 $100,000	1.05% 1.09%	1.06% 1.10%
3 Month	$500 $100,000	1.34% 1.39%	1.35% 1.40%
4 Month	$500 $100,000	1.39% 1.44%	1.40% 1.45%
6 Month	$500 $100,000	1.83% 1.88%	1.85% 1.90%
8 Month w/checking*	$500	4.65%	4.75%
10 Month	$500 $100,000	1.93% 1.98%	1.95% 2.00%
12 Month	$500 $100,000	2.18% 2.23%	2.20% 2.25%
13 Month*	$500 $100,000	4.46% 4.55%	4.55% 4.65%
18 Month	$500 $100,000	2.28% 2.32%	2.30% 2.35%
19 Month*	$500 $100,000	4.17% 4.22%	4.25% 4.30%
24 Month	$500 $100,000	2.32% 2.37%	2.35% 2.40%
30 Month	$500 $100,000	2.37% 2.42%	2.40% 2.45%
3 Year	$500 $100,000	2.47% 2.52%	2.50% 2.55%
4 Year	$500 $100,000	2.52% 2.57%	2.55% 2.60%
5 Year	$500 $100,000	2.57% 2.62%	2.60% 2.65%

 

IRA Certificates

Product/Term	Minimum Deposit	Dividend	APY
8 Month w/Checking*	$500	4.65%	4.75%
12 Month	$500	2.18%	2.20%
13 Month*	$500	4.46%	4.55%
18 Month	$500	2.28%	2.30%
19 Month*	$500	4.17%	4.25%
2 Year	$500	2.32%	2.35%
3 Year	$500	2.47%	2.50%
4 Year	$500	2.52%	2.55%
5 Year	$500	2.57%	2.60%

 

HSA Tiered Checking

Tier	Dividend Rate	APY
$0 - $499	0.75%	0.75%
$500 - $999	1.24%	1.25%
$1,000 - $4,999	1.49%	1.50%
$5,000 - $14,999	1.74%	1.75%
$15,000+	1.98%	2.00%

 

Savings

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Product	Dividend	APY
Member Loyalty	4.41%	4.50%
Membership Savings	0.35%	0.35%
Christmas Club	0.35%	0.35%
You Choose Savings	0.35%	0.35%
IRA Savings	0.35%	0.35%
Opportunity	0.35%	0.35%

 

Investors Money Market Savings

Tier	Dividend Rate	APY
$0 - $24,999	1.98%	2.00%
$25,000 - $49,999	2.03%	2.05%
$50,000 - $249,999	2.08%	2.10%
$250,000 - $499,999	2.47%	2.50%
$500,000 - $999,999	2.72%	2.75%
$1,000,000 - $2,999,999	3.69%	3.75%
$3,000,000	3.93%	4.00%

 

High Interest Checking

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Tier	Dividend Rate	APY
$0 - $1,000	2.96%	3.00%
$1,000.01 - $5,000	1.49%	1.50%
$5,000.01+	0.25%	0.25%

 

Business & Public Funds Premium Money Market Savings

Tier		Dividend Rate	APY
$7,500 - $49,999		2.03%	2.05%
$50,000 - $249,999		2.08%	2.10%
$250,000 - $999,999		2.72%	2.75%
$1,000,000 - $2,999,999		3.69%	3.75%
$3,000,000 - $4,999,999		3.93%	4.00%
$5,000,000 - $9,999,999		Call for rate	Call for rate
$10,000,000 +		Call for rate	Call for rate

 

Business Savings

Product		Dividend Rate	APY
Business Savings		0.35%	0.35%
Business Special Savings		0.35%	0.35%
Business Savings Escrow		0.35%	0.35%

 

Other Accountsˆ

Product	Dividend	APY
Advantage Checking^	0.10%	0.10%
Freedom 18 Month^	0.30%	0.30%
Freedom 18 Month IRA^	0.30%	0.30%

 

HSA Money Market Savingsˆ

Tier	Dividend Rate	APY
$2,500 - $4,999^	0.25%	0.25%
$5,000 - $9,999^	0.40%	0.40%
$10,000 - $24,999^	0.50%	0.50%
$25,000 - $49,999^	0.50%	0.50%
$50,000+^	0.50%	0.50%

 

Premium Money Market Checkingˆ

Tier	Dividend Rate	APY
$1,000 - $9,999^	0.10%	0.10%
$10,000 - $24,999^	0.15%	0.15%
$25,000 - $49,999^	0.20%	0.20%
$50,000+^	0.30%	0.30%

 

Money Market & Classic Plus Savingsˆ

Tier	Dividend Rate	APY
$0 - $999^	0.50%	0.50%
$1,000 - $4,999^	0.75%	0.75%
$5,000 - $14,999^	0.90%	0.90%
$15,000 - $24,999^	1.00%	1.00%
$25,000 - $49,999^	1.49%	1.50%
$50,000+^	1.98%	2.00%

Rates effective as of 5/11/2023

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APY = Annual Percentage Yield. All rates are subject to change at any time. Early withdrawal penalties may apply and could reduce earnings.
* Rate Specials
^ No longer open to new deposits.