4.25%APY*
3-Month CD
Interest Rate
4.16%
Opening Minimum
$1,000
Open Online
4.00%APY*
6-Month CD
Interest Rate
3.92%
Opening Minimum
$1,000
Open Online
4.00%APY*
12-Month CD
Interest Rate
3.92%
Opening Minimum
$1,000
Open Online
Learn how you can maximize your earnings with a CD Bundle!
New Money Terms & Rates
New money is defined as funds that haven't been on deposit with Centier Bank in the last 90 days.
| CD Terms | Interest Rate | APY* | Min. Opening Balance | |
|---|---|---|---|---|
| 3-Month | 4.16% | 4.25% | $1,000 | Open Online |
| 6-Month | 3.92% | 4.00% | $1,000 | Open Online |
| 12-Month | 3.92% | 4.00% | $1,000 | Open Online |
| 18-Month | 3.20% | 3.25% | $1,000 | Open Online |
| 24-Month | 2.96% | 3.00% | $1,000 | Open Online |
| 36-Month | 2.71% | 2.75% | $1,000 | Open Online |
| 48-Month | 2.47% | 2.50% | $1,000 | Open Online |
| 60-Month | 2.47% | 2.50% | $1,000 | Open Online |
Renewal Terms & Rates
For questions about your renewal terms and rates, visit your local Centier branch or call 1-888-CENTIER.
| CD Terms | Interest Rate | APY* | |
|---|---|---|---|
| 3-Month | 3.92% | 4.00% | Book Appointment |
| 6-Month | 3.92% | 4.00% | Book Appointment |
| 12-Month | 3.92% | 4.00% | Book Appointment |
| 18-Month | 3.20% | 3.25% | Book Appointment |
| 24-Month | 2.96% | 3.00% | Book Appointment |
| 36-Month | 2.71% | 2.75% | Book Appointment |
| 48-Month | 2.47% | 2.50% | Book Appointment |
| 60-Month | 2.47% | 2.50% | Book Appointment |
Climbing Rate CD1
CD Terms
36-Month
Product Description
Receive the benefit of a higher return with the ability to withdraw funds at any sixth month interval.
Min. Opening Balance
$1,000
Rates
| Interval | New Money Rate | APY* | Renewal Rate | Renewal APY* |
|---|---|---|---|---|
| 1st Six Months | 1.00% | 1.01% | 1.00% | 1.01% |
| 2nd Six Months | 1.24% | 1.25% | 1.24% | 1.25% |
| 3rd Six Months | 1.49% | 1.50% | 1.49% | 1.50% |
| 4th Six Months | 1.73% | 1.75% | 1.73% | 1.75% |
| 5th Six Months | 1.98% | 2.00% | 1.98% | 2.00% |
| 6th Six Months | 2.23% | 2.25% | 2.23% | 2.25% |
| Blended | 1.61% | 1.63% | 1.61% | 1.63% |
Guaranteed Rate CD2
CD Terms
60-Month
Product Description
Receive the benefit of a higher return with the ability to withdraw funds at any one year interval.
Min. Opening Balance
$1,000
Rates
View Rates
| Interval | New Money Rate | APY* | Renewal Rate | Renewal APY* |
|---|---|---|---|---|
| 1st Year | 1.24% | 1.25% | 1.24% | 1.25% |
| 2nd Year | 1.49% | 1.50% | 1.49% | 1.50% |
| 3rd Year | 1.73% | 1.75% | 1.73% | 1.75% |
| 4th Year | 1.98% | 2.00% | 1.98% | 2.00% |
| 5th Year | 2.23% | 2.25% | 2.23% | 2.25% |
| Blended | 1.73% | 1.75% | 1.73% | 1.75% |
Flexible & Affordable
Choose from a variety of terms ranging from 3 to 60 months, with a minimum opening balance of just $1,000.
Predictable Return
Lock in your rate for the entire term of your CD, for predictable and stable growth.
Low Risk
CDs are a low-risk account option. They are ideal for those seeking stability and predictability on the rate of return on their savings.
Secure & Insured
Your deposits are FDIC-insured up to the maximum allowable limit, providing peace of mind and financial security.
Financial Guidance Tip
CDs can be a great way to save for specific future goals, such as a down payment on a house, a wedding, or further education, by ensuring the money grows steadily.
Learn More About CD's
The minimum opening balance for our CDs is $1,000, unless otherwise specified for special CD offers.
The interest you earn depends on the CD term and the current interest rates. Use our CD calculator to estimate your potential earnings.
When the CD Matures you will receive a Maturity Notification letting you know your account is reaching Maturity. It will explain how you can withdraw your funds, including the earned interest, or roll over the balance into a renewal CD term during the grace period. The Maturity Notice will also explain the renewal process after the Grace Period. The renewal rate is different than the current term rate. Please see an associate for rate information at maturity.
Contact Us
* Annual Percentage Yield
1 Funds may be withdrawn without penalty at any six month interval
2 Funds may be withdrawn without penalty at any one year interval.
Effective Date: 6/10/2025