Deposit Rates

Start growing your savings today!

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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.

Share Certificates

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Product/TermMinimum DepositDividendAPY
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
1.64%
1.69%
1.65%
1.70%
8 Month w/checking*$5005.13%5.25%
10 Month$500
$100,000
1.74%
1.79%
1.75%
1.80%
12 Month$500
$100,000
2.18%
2.23%
2.20%
2.25%
13 Month*$500
$100,000
4.89%
4.94%
5.00%
5.05%
18 Month$500
$100,000
2.28%
2.32%
2.30%
2.35%
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/TermMinimum DepositDividendAPY
8 Month w/Checking*$5005.13%5.25%
12 Month$5002.18%2.20%
13 Month*$5004.89%5.00%
18 Month$5002.28%2.30%
2 Year$5002.32%2.35%
3 Year$5002.47%2.50%
4 Year$5002.52%2.55%
5 Year$5002.57%2.60%

 

HSA Tiered Checking

Tier Dividend RateAPY
$0 - $4990.75%0.75%
$500 - $9991.24%1.25%
$1,000 - $4,9991.49%1.50%
$5,000 - $14,9991.74%1.75%
$15,000+1.98%2.00%

 

Member Loyalty Account

TierDividendAPY
$0-40,0004.66%4.76%
$40,000.01+4.41%4.50%

 

Savings

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ProductDividendAPY
Membership Savings0.35%0.35%
Christmas Club0.35%0.35%
You Choose Savings0.35%0.35%
IRA Savings0.35%0.35%
Opportunity0.35%0.35%

 

Investors Money Market Savings

Tier Dividend RateAPY
$0 - $24,9991.98%2.00%
$25,000 - $49,9992.03%2.05%
$50,000 - $249,9992.08%2.10%
$250,000 - $499,9992.47%2.50%
$500,000 - $999,9992.96%3.00%
$1,000,000 - $2,999,9993.93%4.00%
$3,000,000+4.17%4.25%

 

High Interest Checking

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Tier Dividend RateAPY
$0 - $1,0002.96%3.00%
$1,000.01 - $5,0001.49%1.50%
$5,000.01+0.25%0.25%

 

Business & Public Funds Premium Money Market Savings

TierDividend RateAPY
$7,500 - $49,9992.03%2.05%
$50,000 - $249,9992.08%2.10%
$250,000 - $999,9992.96%3.00%
$1,000,000 - $2,999,9993.93%4.00%
$3,000,000 - $4,999,9994.17%4.25%
$5,000,000 - $9,999,999Call for rateCall for rate
$10,000,000 +Call for rateCall for rate

 

Business Savings

ProductDividend RateAPY
Business Savings0.35%0.35%
Business Special Savings0.35%0.35%
Business Savings Escrow0.35%0.35%

 

Other Accountsˆ

ProductDividendAPY
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 RateAPY
$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 RateAPY
$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 RateAPY
$0 - $999^0.35%0.35%
$1,000 - $4,999^0.50%0.50%
$5,000 - $14,999^0.75%0.75%
$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 June 06, 2024.


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.