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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.

Instant Issue Debit Cards

Gone are the days of waiting a few weeks for a new Debit Card – with Instant Issue, you’ll get a new card instantly. We know life happens, and when that means losing your Debit Card, simply visit your nearest Centra location and we will replace it on the spot!

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.