Rates effective as of April 24, 2014.
Saving for a special occasion, or just putting cash away for a rainy day? Whatever your reason for saving, Centra Credit Union offers competitive interest rates in a variety of terms. Compare accounts to find the best rate for you, or visit your local Centra office to open an account today.
| Product/Term | Dividend Rate | APY | Dividend Rate | APY |
| Share Certificates | $1,000 minimum | $100,000 minimum | ||
| 3 months | 0.20% | 0.20% | 0.25% | 0.25% |
| 6 months | 0.25% | 0.25% | 0.30% | 0.30% |
| 3 year medex | 0.95% | 0.95% | ||
| Share Certificates | $25,000 minimum | |||
| 7 Day Certificate | 0.20% | 0.20% | ||
| Share Certificates | $500 minimum | $100,000 minimum | ||
| Freedom 18 month - Only Share Certificate that allows regular deposits! Variable Rate Product. | 0.65% | 0.65% | ||
| 12 month* | 0.50% | 0.50% | 0.55% | 0.55% |
| 18 month | 0.60% | 0.60% | 0.65% | 0.65% |
| 24 month | 0.80% | 0.80% | 0.85% | 0.85% |
| 30 month | 0.85% | 0.85% | 0.90% | 0.90% |
| 3 year | 1.00% | 1.00% | 1.00% | 1.00% |
| 4 year* | 1.54% | 1.55% | 1.54% | 1.55% |
| 5 year | 1.59% | 1.60% | 1.59% | 1.60% |
| Investor Certificates | $5,000 minimum | |||
| 3 month | 0.25% | 0.25% | ||
| 4 month | 0.25% | 0.25% | ||
| 6 month | 0.30% | 0.30% | ||
| 7 month | 0.30% | 0.30% | ||
| 7 month w/Centra Checking Account* | 0.45% | 0.45% | ||
| 10 month* | 0.75% | 0.75% | ||
| 12 month | 0.50% | 0.50% | ||
| 13 month | 0.55% | 0.55% | ||
| 13 month Web Only* (must be opened online in CentraLink) | 0.75% | 0.75% | ||
| Raise Your Rate Certificate*** | ||||
| 36 month | 0.90% | 0.90% | ||
| 60 month | 1.49% | 1.50% | ||
| IRA Certificates | $500 minimum | |||
| 12 month | 0.55% | 0.55% | ||
| 18 month | 0.65% | 0.65% | ||
| 2 year | 0.80% | 0.80% | ||
| 3 year | 1.00% | 1.00% | ||
| 4 year* | 1.54% | 1.55% | ||
| 5 year | 1.59% | 1.60% | ||
| 18 month Money Market IRA Certificate The only IRA that allows regular deposits! | 0.65% | 0.65% | ||
| IRA Certificates | $1,000 minimum | |||
| IRA Subshare | 0.12% | 0.12% | ||
| Raise Your Rate IRA Certificate*** | ||||
| 36 month | 0.90% | 0.90% | ||
| 60 month | 1.49% | 1.50% | ||
| Accounts | Dividend Rate | APY | Balance | |
| High Interest Checking** | 4.00% | 4.00% | $0 - $1,000 | |
| 2.00% | 2.00% | $1,000.01 - $5,000 | ||
| 0.20% | 0.20% | $5,000.01 + | ||
| Advantage Checking | 0.10% | 0.10% | $1,000 Minimum | |
| Share Savings | 0.12% | 0.12% | ||
| Christmas Club | 0.12% | 0.12% | ||
| Special Shares | 0.12% | 0.12% | ||
| Vacation Shares | 0.12% | 0.12% | ||
| Classic Plus Shares & Money Market Savings | 0.12% | 0.12% | $0 - $999 | |
| 0.20% | 0.20% | $1,000 - $4,999 | ||
| 0.25% | 0.25% | $5,000 - $14,999 | ||
| 0.30% | 0.30% | $15,000 - $24,999 | ||
| 0.30% | 0.30% | $25,000 - $49,999 | ||
| 0.40% | 0.40% | $50,000 + | ||
| HSA Tiered Checking | 0.00% | 0.00% | $0 - $499 | |
| 0.05% | 0.05% | $500 - $999 | ||
| 0.10% | 0.10% | $1,000 - $4,999 | ||
| 0.15% | 0.15% | $5,000 - $14,999 | ||
| 0.30% | 0.30% | $15,000 + | ||
| HSA Money Market Savings | 0.12% | 0.12% | $2,500 - $4,999 | |
| 0.15% | 0.15% | $5,000 - $9,999 | ||
| 0.20% | 0.20% | $10,000 - $24,999 | ||
| 0.45% | 0.45% | $25,000 - $49,999 | ||
| 0.55% | 0.55% | $50,000 + | ||
| Investors Money Market Savings | 0.05% | 0.05% | $0 - $9,999 | |
| 0.12% | 0.12% | $10,000 - $24,999 | ||
| 0.45% | 0.45% | $25,000 - $49,999 | ||
| 0.60% | 0.60% | $50,000 - $99,999 | ||
| 0.65% | 0.65% | $100,000 - $249,999 | ||
| 0.65% | 0.65% | $250,000 + | ||
| Premium Money Market Checking | 0.10% | 0.10% | $1,000 - $9,999 | |
| 0.12% | 0.12% | $10,000 - $24,999 | ||
| 0.20% | 0.20% | $25,000 - $49,999 | ||
| 0.35% | 0.35% | $50,000 + | ||
| Business Share Savings | 0.12% | 0.12% | ||
| Business Special Savings | 0.12% | 0.12% | ||
| Business Savings Escrow | 0.12% | 0.12% | ||
| Business Premium Money Market Savings | 0.20% | 0.20% | $7,500 - $24,999 | |
| 0.35% | 0.35% | $25,000 - $49,999 | ||
| 0.45% | 0.45% | $50,000 - $249,999 | ||
| 0.55% | 0.55% | $250,000 - $499,999 | ||
| 0.60% | 0.60% | $500,000 - $999,999 | ||
| 0.60% | 0.60% | $1,000,000 - $4,999,999 | ||
| 0.20% | 0.20% | $5,000,000 + | ||
| APY = Annual Percentage Yield. APY assumes all principle and dividends remain on deposit for the entire term. Dividend rate on non-term products may change after account is opened. Fees could reduce earnings on the account. Penalty will be assessed for early withdrawal of certificates. *Denotes Rate Specials **Must meet qualifiers to receive special rate. If qualifiers are not met, member will earn 0.10%. ***Can increase rate once for 36 month or twice for 60 month. | ||||
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