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Everyday Banking - Certificates of Deposit

 

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Combining Security & Growth with Commercial CDs.

Centier Bank offers a wide variety of Certificates of Deposit , with terms ranging from 91 days to five years. Beginning with a $1,000 minimum, each CD compounds daily and is automatically renewable. Interest conscious individuals seeking maximum returns may benefit from special options that include a unique Climbing Rate CD , featuring an interest rate increase every six months or every year. Rates are subject to change on a weekly basis.

You may apply for some business CDs online by clicking the links below. All other CDs need to be opened either at a convenient Centier branch location or by calling our Client Service Call Center.

 

 

Current Certificate of Deposit Rates

Current CD rates are posted for your convenience in making financial decisions. Realize they are subject to change.

With CD terms ranging from 3 months to 60 months, CDs compound daily and are automatically renewable unless otherwise noted. There is a $1,000 minimum on CDs, unless otherwise noted, and the rate is guaranteed for the term of the certificate.

You may apply for CDs online by clicking on the links below . CDs can also be opened at Centier branch locations or by calling our Client Service Center.

Date Effective: 5/15/2012

 

CD Term	Apply Now	Product Description	Interest Rate	APY*	Minimum Opening Balance
5 Month**	Apply Now	Weekly special.	0.25%	0.25%	$1,000
3 Month	Apply Now	Short-term CD allows you access to your funds in ten months or less.	0.05%	0.05%	$1,000
6 Month	Apply Now	Short-term CD allows you access to your funds in ten months or less.	0.10%	0.10%	$1,000
9 Month	Apply Now	Short-term CD allows you access to your funds in ten months or less.	0.15%	0.15%	$1,000
12 Month***	Apply Now	Long-term CD allows you to earn a fixed rate of interest over an extended period.	0.20%	0.20%	$1,000
18 Month	Apply Now	Long-term CD allows you to earn a fixed rate of interest over an extended period.	0.25%	0.25%	$1,000
24 Month****	Apply Now	Long-term CD allows you to earn a fixed rate of interest over an extended period.	0.35%	0.35%	$1,000
36 Month	Apply Now	Long-term CD allows you to earn a fixed rate of interest over an extended period.	0.50%	0.50%	$1,000
36 Month Climbing Rate*****	Apply Now	Receive the benefit of a higher return with the ability to withdraw funds at any sixth month interval.	Blended 0.44%	Blended 0.44%	$1,000
36 Month Guaranteed Growth ******	Apply Now	Receive the benefit of a higher return with the ability to withdraw funds at any one year interval.	Blended 0.50%	Blended 0.50%	$1,000
48 Month	Apply Now	Long-term CD allows you to earn a fixed rate of interest over an extended period.	0.60%	0.60%	$1,000
60 Month	Apply Now	Long-term CD allows you to earn a fixed rate of interest over an extended period.	0.75%	0.75%	$1,000
60 Month Guaranteed Growth ******	Apply Now	Receive the benefit of a higher return with the ability to withdraw funds at any one year interval.	Blended 0.75%	Blended 0.75%	$1,000

* Annual Percentage Yield

** Special - Only available with checking account

*** The Birthday CD is offered to our 50 Advantage clients

**** The Option CD offers a one time bump in rate

***** Funds may be withdrawn without penalty at any six month interval

****** Funds may be withdrawn without penalty at any one year interval

 

Government regulations require that we make the following disclosures available to you when you open an account with Centier. You may print these disclosures for your files, if you wish. Disclosures.

Customer Notice: To assist the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Thank you for your cooperation.