Deposit Rates | Centra Credit Union

Share Certificates

Product/TermMinimum DepositDividendAPY
3 Month$500
$100,000
0.15%
0.20%
0.15%
0.20%
6 Month$500
$100,000
0.25%
0.30%
0.25%
0.30%
12 Month$500
$100,000
0.35%
0.40%
0.35%
0.40%
18 Month$500
$100,000
0.35%
0.40%
0.35%
0.40%
24 Month$500
$100,000
0.45%
0.50%
0.45%
0.50%
30 Month$500
$100,000
0.45%
0.50%
0.45%
0.50%
3 Year$500
$100,000
0.55%
0.60%
0.55%
0.60%
4 Year$500
$100,000
0.65%
0.70%
0.65%
0.70%
5 Year$500
$100,000
0.75%
0.80%
0.75%
0.80%
3 Year Medex$5000.55%0.55%
Freedom 18 Month
Allows regular deposits
$5000.30%0.30%

 

Investors Certificates

Product/TermMinimum DepositDividendAPY
3 Month$5,0000.15%0.15%
4 Month$5000.20%0.20%
6 Month$5,0000.25%0.25%
7 Month²$5,0000.25%0.25%
7 Month w/Checking²$5,0000.25%0.25%
8 Month w/Checking¹$5,0000.50%0.50%
10 Month$5,0000.30%0.30%
12 Month$5,0000.35%0.35%
13 Month$5000.35%0.35%
7 Day$25,0000.15%0.15%

 

IRA Certificates

Product/TermMinimum DepositDividendAPY
8 Month w/Checking¹$5000.50%0.50%
12 Month$5000.35%0.35%
13 Month$5000.35%0.35%
18 Month$5000.35%0.35%
2 Year$5000.45%0.45%
3 Year$5000.55%0.55%
4 Year$5000.65%0.65%
5 Year$5000.75%0.75%
IRA Subshare$5000.10%0.10%
Freedom 18 Month
Allows regular deposits
$5000.30%0.30%

 

Web-Only Certificate²

Product/TermMinimum DepositDividendAPY
13 Month²$5000.55%0.55%

 

Account Rates

ProductDividendAPY
Member Loyalty2.96%3.00%
Membership Savings0.10%0.10%
You Choose Savings0.10%0.10%
Advantage Checking²0.10%0.10%

 

HSA Tiered Checking

Tier Dividend RateAPY
$0 - $4990.00%0.00%
$500 - $9990.10%0.10%
$1,000 - $4,9990.10%0.10%
$5,000 - $14,9990.15%0.15%
$15,000+0.20%0.20%

 

HSA Money Market Savings²

Tier Dividend RateAPY
$2,500 - $4,9990.10%0.10%
$5,000 - $9,9990.10%0.10%
$10,000 - $24,9990.15%0.15%
$25,000 - $49,9990.25%0.25%
$50,000 +0.30%0.30%

 

Investors Money Market Savings

Tier Dividend RateAPY
$0 - $9,9990.15%0.15%
$10,000 - $24,9990.20%0.20%
$25,000 - $49,9990.25%0.25%
$50,000 - $99,9990.30%0.30%
$100,000 - $249,9990.30%0.30%
$250,000 - $499,9990.35%0.35%
$500,000 +0.40%0.40%

 

High Interest Checking

Tier Dividend RateAPY
$0 - $1,0001.29%1.30%
$1,000.01 - $5,0000.70%0.70%
$5,000.01 +0.10%0.10%

 

Money Market & Classic Plus Savings²

Tier Dividend RateAPY
$0 - $9990.10%0.10%
$1,000 - $4,9990.10%0.10%
$5,000 - $14,9990.15%0.15%
$15,000 - $24,9990.15%0.15%
$25,000 - $49,9990.20%0.20%
$50,000 +0.20%0.20%

 

Premium Money Market Checking²

Tier Dividend RateAPY
$1,000 - $9,9990.10%0.10%
$10,000 - $24,9990.15%0.15%
$25,000 - $49,9990.20%0.20%
$50,000 +0.30%0.30%

 

APY = Annual Percentage Yield
Effective Date: July 1, 2021

All rates are subject to change at any time. Early withdrawal penalties may apply and could reduce earnings.
¹ Rate Specials
² No longer open to new deposits.