Deposit Rates | Centra Credit Union

Share Certificates

Product/TermMinimum DepositDividendAPY
7 Day$500
$100,000
0.15%
0.20%
0.20%
0.20%
3 Month$500
$100,000
0.25%
0.30%
0.25%
0.30%
4 Month$500
$100,000
0.30%
0.35%
0.30%
0.35%
6 Month$500
$100,000
0.40%
0.45%
0.40%
0.45%
8 Month w/checking*$5000.50%0.50%
10 Month$500
$100,000
0.40%
0.45%
0.40%
0.45%
12 Month$500
$100,000
0.45%
0.50%
0.45%
0.50%
13 Month$500
$100,000
0.45%
0.50%
0.45%
0.50%
18 Month$500
$100,000
0.45%
0.50%
0.45%
0.50%
24 Month$500
$100,000
0.50%
0.55%
0.50%
0.55%
30 Month$500
$100,000
0.55%
0.60%
0.55%
0.60%
3 Year$500
$100,000
0.65%
0.70%
0.65%
0.70%
47 Month*$500
$100,000
1.25%
1.30%
1.26%
1.31%
4 Year$500
$100,000
0.80%
0.85%
0.80%
0.85%
5 Year$500
$100,000
0.90%
0.95%
0.90%
0.95%

 

IRA Certificates

Product/TermMinimum DepositDividendAPY
8 Month w/Checking*$5000.50%0.50%
12 Month$5000.45%0.45%
13 Month$5000.45%0.45%
18 Month$5000.45%0.45%
2 Year$5000.50%0.50%
3 Year$5000.65%0.65%
47 Month*$5001.25%1.26%
4 Year$5000.80%0.80%
5 Year$5000.90%0.90%

 

HSA Tiered Checking

Tier Dividend RateAPY
$0 - $4990.00%0.00%
$500 - $9990.20%0.20%
$1,000 - $4,9990.25%0.25%
$5,000 - $14,9990.40%0.40%
$15,000+0.50%0.50%

 

Savings

ProductDividendAPY
Member Loyalty2.96%3.00%
Membership Savings0.10%0.10%
Christmas Club0.10%0.10%
You Choose Savings0.10%0.10%
IRA Savings0.10%0.10%
Opportunity0.10%0.10%

 

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 - $249,9990.40%0.40%
$250,000 - $499,9990.45%0.45%
$500,000+0.50%0.50%

 

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%

 

Business & Public Funds Premium Money Market Savings

Tier Dividend RateAPY
$7,500 - 24,9990.20%0.20%
$25,000 - 49,9990.25%0.25%
$50,000 - 249,9990.40%0.40%
$250,000 - 499,9990.45%0.45%
$500,000 - $999,9990.50%0.50%
$1,000,000 - 4,999,9990.55%0.55%
$5,000,000+0.55%0.55%

 

Business Rates

Product Dividend RateAPY
Business Shares0.10%0.10%
Business Special Shares0.10%0.10%
Business Savings Escrow0.10%0.10%

 

Other Accounts^

ProductDividendAPY
Advantage Checking^0.10%0.10%
Freedom 18 Month^0.10%0.10%
Freedom 18 Month IRA^0.10%0.10%

 

HSA Money Market Savings^

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 Checking^

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 Savings^

Tier Dividend RateAPY
$0 - $999^0.10%0.10%
$1,000 - $4,999^0.10%0.10%
$5,000 - $14,999^0.15%0.15%
$15,000 - $24,999^0.15%0.15%
$25,000 - $49,999^0.20%0.20%
$50,000+^0.20%0.20%

 

Rates effective as of 5/2/2022


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.