Deposit Rates

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  |  IRA Certificates  |  HSA Tiered Checking  |  Savings  |  High Interest Money Market Savings  |  High Interest Checking  | Business & Public Funds Premium Money Market Savings  |  Business Rates  |  Other Accounts  | HSA Money Market Savings  | Premium Money Market Checking  |  Money Market & Classic Plus Savings

Share Certificates

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Product/Term	Minimum Deposit	Dividend	APY
7 Day	$500 $100,000	0.90% 0.95%	0.90% 0.95%
3 Month	$500 $100,000	0.95% 1.00%	0.95% 1.00%
4 Month	$500 $100,000	1.05% 1.09%	1.06% 1.10%
6 Month	$500 $100,000	1.64% 1.69%	1.65% 1.70%
8 Month w/checking*	$500	3.59%	3.65%
10 Month	$500 $100,000	1.74% 1.79%	1.75% 1.80%
12 Month	$500 $100,000	1.79% 1.83%	1.80% 1.85%
18 Month	$500 $100,000	1.88% 1.93%	1.90% 1.95%
24 Month	$500 $100,000	1.93% 1.98%	1.95% 2.00%
30 Month	$500 - $10,000 $100,000	3.78% 2.03%	3.85% 2.05%
3 Year	$500 $100,000	2.08% 2.13%	2.10% 2.15%
4 Year	$500 $100,000	2.13% 2.18%	2.15% 2.20%
5 Year	$500 $100,000	2.18% 2.23%	2.20% 2.25%

 

IRA Certificates

Product/Term	Minimum Deposit	Dividend	APY
8 Month w/Checking*	$500	3.59%	3.65%
12 Month	$500	1.79%	1.80%
18 Month	$500	1.88%	1.90%
2 Year	$500	1.93%	1.95%
3 Year	$500	2.08%	2.10%
4 Year	$500	2.13%	2.15%
5 Year	$500	2.18%	2.20%

 

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%

 

Member Loyalty Account

Tier	Dividend	APY
$0-40,000	4.31%	4.40%
$40,000.01+	3.59%	3.65%

 

Savings

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Product	Dividend	APY
Membership Savings	0.10%	0.10%
Christmas Club	0.10%	0.10%
You Choose Savings	0.10%	0.10%
IRA Savings	0.10%	0.10%
Opportunity	0.10%	0.10%

 

High Interest Money Market Savings

Tier	Dividend Rate	APY*
$0 - $24,999	1.29%	1.30%
$25,000 - $49,999	1.34%	1.35%
$50,000 - $249,999	1.39%	1.40%
$250,000 - $499,999	1.59%	1.60%
$500,000 - $999,999	2.08%	2.10%
$1,000,000 - $2,999,999	3.15%	3.20%
$3,000,000+	3.35%	3.40%

 

High Interest Checking

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Tier	Dividend Rate	APY
$0 - $1,000	2.72%	2.75%
$1,000.01 - $5,000	1.24%	1.25%
$5,000.01+	0.15%	0.15%

 

Business & Public Funds Premium Money Market Savings

Tier		Dividend Rate	APY
$7,500 - $49,999		1.34%	1.35%
$50,000 - $249,999		1.39%	1.40%
$250,000 - $999,999		2.08%	2.10%
$1,000,000 - $2,999,999		3.15%	3.20%
$3,000,000 - $4,999,999		3.35%	3.40%
$5,000,000 - $9,999,999		3.45%	3.51%
$10,000,000 +		3.45%	3.51%

 

Business Savings

Product		Dividend Rate	APY
Business Savings		0.10%	0.10%
Business Special Savings		0.10%	0.10%
Business Savings Escrow		0.10%	0.10%

 

Other Accountsˆ

Product	Dividend	APY
Advantage Checking^	0.10%	0.10%
13 Month < $100,000 ^	1.79%	1.80%
13 Month $100,000+ ^	1.83%	1.85%
13 Month IRA ^	1.79%	1.80%
Freedom 18 Month^	0.10%	0.10%
Freedom 18 Month IRA^	0.10%	0.10%

 

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^	0.10%	0.10%
$1,000 - $4,999^	0.15%	0.15%
$5,000 - $14,999^	0.25%	0.25%
$15,000 - $24,999^	0.40%	0.40%
$25,000 - $49,999^	0.75%	0.75%
$50,000+^	1.05%	1.06%

Rates effective as of October 30, 2025.

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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. A minimum deposit of $500 AND an active Centra checking account is required to receive the advertised rate.

^ No longer open to new deposits.