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You don’t have to be a high-roller to get a great interest rate on your money! With Centra’s High Interest Checking accounts, you can earn money on your balance while saving money on fees.

High Interest Checking

Product/Term Dividend RateAPY
$0 - $1,0004.00%4.07%
$1,000.01 - $5,0002.00%2.02%
$5,000.01 +0.25%0.25%

High Interest Checking accounts pay interest on all balances based on tiers*. The more you have in your account, the more opportunity you have to earn interest!

There’s no monthly fee and no minimum balance when you:

  • Use Direct Deposit
  • Receive eStatements
  • Complete at least 15 debit purchases per month

If you don’t use all the services listed above, you’ll earn 0.10% on all balances and pay a low monthly fee of $5.

Access to more than 5,000 branch locations

Our participation in the CO-OP Shared Branch network means convenience when, where, and how you want it. As our member, you can visit any of the more than 5,400 locations where you see the CO-OP Shared Branch logo, and conduct transactions just like you were at your home branch. Search locations

Nearly 30,000 surcharge-free ATMs

Now you can get cash surcharge-free at more ATMs than ever. Our members can visit any of nearly 30,000 ATMs that display the CO-OP logo. So whether you’re across town, or far from home for work or pleasure, you’re never far from your money. Search for ATMs

All the features you need

BETTER BORROWING

With a High Interest Checking account, the benefits just keep on coming!  This account makes you eligible for a 0.25%** discount on many Centra loans.

Open a High Interest Checking Account

Contact us, visit any Centra location, or make an appointment that works with your schedule.

*Early withdrawal penalties and maintenance fees may apply and could reduce earnings on deposit accounts. Rates on deposit accounts may change after account opening.**Must be new money to Centra to qualify. Applies to personal loans closed at a Centra location. Not available on credit cards, mortgages, or lines of credit. Requires electronic payment from Centra account. Cannot be combined with other offers.
**Must be new money to Centra to qualify. Applies to personal loans closed at a Centra location. Not available on credit cards, mortgages, or lines of credit. Requires electronic payment from Centra account. Cannot be combined with other offers.