Personal Banking / CDs & IRAs
CDs & IRAs - Make Your Savings Work for You
CDs and IRAs have always been popular with savers looking for more predictable funds. CDs are the easiest way to save if you don't need immediate access to your money. They usually pay you a higher interest rate than a traditional savings or money market account. An IRA is one of the best tools to help you fund your retirement, combining the benefits of tax deferral with potential interest compounding.

Current CD Rates
Current CD rates are posted for your convenience in making financial decisions. Realize they are subject to change. Contact your local branch for additional CD terms, requirements, and any special CD offers.
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 at 1-888-CENTIER.
Date Effective: 1/17/2023
CD Terms | Product Description | Interest Rate | APY1 | Minimum Opening Balance | Apply Now |
---|---|---|---|---|---|
3 Months | Short-term CD allows you access to your funds in ten months or less. | 0.50% | 0.50% | $1000 | Apply Now |
6 Months | Short-term CD allows you access to your funds in ten months or less. | 0.75% | 0.75% | $1000 | Apply Now |
7 Month CD Special | Short-term CD allows you access to your funds in ten months or less. | 1.98% | 2.00% | $1000 | Apply Now |
9 Months | Short-term CD allows you access to your funds in ten months or less. | 1.00% | 1.01% | $1000 | Apply Now |
11 Month CD Special | Short-term CD allows you access to your funds in 11 months or less. | 3.92% | 4.00% | $1000 | Apply Now |
12 Months | Short-term CD allows you access to your funds in twelve months or less. | 1.98% | 2.00% | $1000 | Apply Now |
12 Month Birthday CD2 | Special product for checking account clients who are 50 years of age or better. Earn more for every year beyond the age of 50. | 1.98% | 2.00% | $1000 | Apply Now |
18 Months | Long-term CD allows you to earn a fixed rate of interest over an extended period. | 1.24% | 1.25% | $1000 | Apply Now |
24 Months | Long-term CD allows you to earn a fixed rate of interest over an extended period. | 1.49% | 1.50% | $1000 | Apply Now |
36 Months | Long-term CD allows you to earn a fixed rate of interest over an extended period. | 1.73% | 1.75% | $1000 | Apply Now |
36 Month Climbing Rate3 | Receive the benefit of a higher return with the ability to withdraw funds at any sixth month interval. | View Rates | $1000 | Apply Now | |
48 Month | Long-term CD allows you to earn a fixed rate of interest over an extended period. | 1.98% | 2.00% | $1000 | Apply Now |
60 Month | Long-term CD allows you to earn a fixed rate of interest over an extended period. | 1.98% | 2.00% | $1000 | Apply Now |
60 Month Guaranteed Growth4 | Receive the benefit of a higher return with the ability to withdraw funds at any one year interval. | View Rates | $1000 | Apply Now |
1 Annual Percentage Yield
2 The Birthday CD is available to clients age 50 years or better with any personal Centier checking account and must be the primary account holder on the CD. Birthday CD rates applicable to Personal Funds.
3 Funds may be withdrawn without penalty at any six month interval
4 Funds may be withdarwn 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. Rates are subject to change without notice. Thank you for your cooperation.
Certificates of Deposit (CDs)
Combining Security & Growth
Centier Bank offers a wide variety of Certificates of Deposit, with terms ranging from 91 days to five years. 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.
Individual Retirement Accounts (IRAs)
Planning Your Retirement
An Individual Retirement Account (IRA) is a proactive approach to saving and retirement planning. Whether you're planning for college or investing for retirement, Centier Bank offers a variety of IRAs to suit your needs. Visit your nearest Centier branch location to open a new IRA, or contact Centier's client service center at 1-888-CENTIER.
Disclosures
Please note the following disclosure information before proceeding to apply for your new Certificate of Deposit online.
- Only personal deposits are accepted.
- Centier Bank Certificate of Deposit annual percentage yields are subject to change without notice; and there are penalties for early withdrawal.
- You will receive the CD current rate (on the day you fill out and send in your application) provided we receive your funds within 7 days. Current daily rates apply after that.
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.
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.