Online Banking
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/TermDividend RateAPYDividend RateAPY
Share Certificates$1,000 minimum$100,000 minimum
3 months0.20%0.20%0.25%0.25%
6 months0.25%0.25%0.30%0.30%
3 year medex0.95%0.95%
Share Certificates$25,000 minimum
7 Day Certificate0.20%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 month0.60%0.60%0.65%0.65%
24 month0.80%0.80%0.85%0.85%
30 month0.85%0.85%0.90%0.90%
3 year1.00%1.00%1.00%1.00%
4 year*1.54%1.55%1.54%1.55%
5 year1.59%1.60%1.59%1.60%
 
Investor Certificates$5,000 minimum
3 month0.25%0.25%
4 month0.25%0.25%
6 month0.30%0.30%
7 month0.30%0.30%
7 month w/Centra Checking Account*0.45%0.45%
10 month*0.75%0.75%
12 month0.50%0.50%
13 month0.55%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 month0.55%0.55%
18 month0.65%0.65%
2 year0.80%0.80%
3 year1.00%1.00%
4 year*1.54%1.55%
5 year1.59%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 Subshare0.12%0.12%
 
Raise Your Rate IRA Certificate***
36 month 0.90% 0.90%
60 month 1.49%1.50%
 
AccountsDividend RateAPYBalance
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 Checking0.10%0.10%$1,000 Minimum
Share Savings0.12%0.12%
Christmas Club0.12%0.12%
Special Shares0.12%0.12%
Vacation Shares0.12%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 Checking0.00%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 Savings0.12%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 Savings0.05%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 Checking0.10%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 Savings0.12%0.12%
Business Special Savings0.12%0.12%
Business Savings Escrow0.12%0.12%
Business Premium Money Market Savings0.20%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.
 
 

NCUA
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