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.

Everyday Banking Certificates of Deposit

 

 

 

Current CD Rates

 

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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: 4/15/2014

 

CD Term Apply Now Product Description Interest Rate APY Minimum Opening Balance
10 Month**
Apply Now
Weekly Special 0.30% 0.30% $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. 0.25% 0.25% $1,000
18 Month
Apply Now
Long-term CD allows you to earn a fixed rate of interest over an extended period. 0.30% 0.30% $1,000
24 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
Apply Now
Long-term CD allows you to earn a fixed rate of interest over an extended period. 0.75% 0.75% $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.
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$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.
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$1,000

48 Month

Apply Now
Long-term CD allows you to earn a fixed rate of interest over an extended period. 1.00% 1.00% $1,000

60 Month

Apply Now
Long-term CD allows you to earn a fixed rate of interest over an extended period. 1.24% 1.25% $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.
View Rates
$1,000

* Annual Percentage Yield

** Special - Only available with checking account

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

**** This certificate of deposit is considered a variable-rate account because the rate may change after the account is opened. This certificate allows for one rate adjustment prior to maturity at the consumer's option.

***** 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.


Term CD

 

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  • Term CDs are available from 91 days to 5 years.
  • $1,000 minimum balance to open.
  • Interest is compounded daily.
  • Automatic renewal.

Option CD

 

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  • Two-year term.
  • Bump up your rate one time during the initial term if the rate rises.

Climbing Rate CD

 

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  • 36-month Certificate of Deposit that climbs to a higher rate every 6 months.
  • Option to withdraw funds without penalty at the end of each 6-month period.

Guaranteed Growth CD

 

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  • 36-month CD that climbs to a higher rate every 12 months.
  • 60-month CD that climbs to a higher rate every 12 months.
  • Funds may be withdrawn without penalty at any one year interval.

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