Get paid early with Centra!¹

Switch your direct deposit to Centra and get paid up to one day early. Plus, get notified when your paycheck is available with account alerts in digital banking! Direct deposits to any Centra checking or savings account are eligible.

High Interest Checking

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 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

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

High Interest Checking

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Tier Dividend RateAPY
$0 - $1,0002.96%3.00%
$1,000.01 - $5,0001.49%1.50%


Our participation in the CO-OP Shared Branch network means convenience when, where, and how you want it. As a Centra Member, you can visit any of the more than 5,600 locations where you see the CO-OP Shared Branch logo, and conduct transactions just like you would at a Centra location.

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Now you can get cash at more free 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.

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¹ Early access to money from a direct deposit depends on when the payer submits the payment file. Centra generally makes your direct deposit available on the day the payment file is received, which may be one day earlier than the scheduled payment date.

* Annual Percentage Yield. Early withdrawal penalties and maintenance fees may apply and could reduce earnings on deposit accounts. Rates on deposit accounts may change after account opening.