Deposit Rates

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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.

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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*$5004.41%4.50%
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
$100,000
1.98%
2.03%
2.00%
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/TermMinimum DepositDividendAPY
8 Month w/Checking*$5004.41%4.50%
12 Month$5001.79%1.80%
18 Month$5001.88%1.90%
2 Year$5001.93%1.95%
3 Year$5002.08%2.10%
4 Year$5002.13%2.15%
5 Year$5002.18%2.20%

 

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+4.18%4.25%

 

Savings

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ProductDividendAPY
Membership Savings0.15%0.15%
Christmas Club0.15%0.15%
You Choose Savings0.15%0.15%
IRA Savings0.15%0.15%
Opportunity0.15%0.15%

 

High Interest Money Market Savings

Tier Dividend RateAPY*
$0 - $24,9991.59%1.60%
$25,000 - $49,9991.64%1.65%
$50,000 - $249,9991.69%1.70%
$250,000 - $499,9992.08%2.10%
$500,000 - $999,9992.57%2.60%
$1,000,000 - $2,999,9993.69%3.75%
$3,000,000+3.93%4.00%

 

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 - $49,9991.64%1.65%
$50,000 - $249,9991.69%1.70%
$250,000 - $999,9992.57%2.60%
$1,000,000 - $2,999,9993.69%3.75%
$3,000,000 - $4,999,9993.93%4.00%
$5,000,000 - $9,999,999Call for rateCall for rate
$10,000,000 +Call for rateCall for rate

 

Business Savings

ProductDividend RateAPY
Business Savings0.15%0.15%
Business Special Savings0.15%0.15%
Business Savings Escrow0.15%0.15%

 

Other Accountsˆ

ProductDividendAPY
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^0.15%0.15%
Freedom 18 Month IRA^0.15%0.15%

 

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 - $999^0.15%0.15%
$1,000 - $4,999^0.25%0.25%
$5,000 - $14,999^0.50%0.50%
$15,000 - $24,999^0.60%0.60%
$25,000 - $49,999^1.05%1.06%
$50,000+^1.49%1.50%

Rates effective as of September 20, 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. A minimum deposit of $500 AND an active Centra checking account is required to receive the advertised rate.

^ No longer open to new deposits.

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