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Secure your Financial Future with our Indiana CD Rates

Earn up to 5.00% APY* on select CDs.

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A CD (certificate of deposit) is a type of deposit account that’s payable at the end of a specified amount of time (referred to as the term). They are popular with savers looking for more predictable funds, due to the dividends they offer. They are the easiest way to save if you don’t need immediate access to your money. CDs typically pay fixed interest rates and can offer higher interest rates than other types of deposit accounts, depending on the market. These accounts usually provide security for longer-term savings and no monthly fees.

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 by booking an appointment, visiting a Centier branch location or by calling our client service center at 1-888-CENTIER.

CD Interest Rates

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CD Terms Product Description Interest Rate APY* Min. Opening Balance
3 Months Short-term CD allows you access to your funds in ten months or less. 0.50% 0.50% $1,000
6 Month Short-term CD allows you access to your funds in ten months or less. 0.75% 0.75% $1,000
7 Month CD Special Short-term CD allows you access to your funds in ten months or less. 5.02% 5.15% $1000
9 Months Short-term CD allows you access to your funds in ten months or less. 1.00% 1.01% $1,000
11 Month CD Short-term CD allows you access to your funds in 11 months or less. 4.74% 4.85% $1000
12 Months Short-term CD allows you access to your funds in twelve months or less. 1.98% 2.00% $1,000
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% $1,000
18 Months Long-term CD allows you to earn a fixed rate of interest over an extended period. 1.24% 1.25% $1,000
24 Months Long-term CD allows you to earn a fixed rate of interest over an extended period. 1.49% 1.50% $1,000
36 Months Long-term CD allows you to earn a fixed rate of interest over an extended period. 1.73% 1.75% $1,000
48 Months Long-term CD allows you to earn a fixed rate of interest over an extended period. 1.98% 2.00% $1,000
60 Months Long-term CD allows you to earn a fixed rate of interest over an extended period. 1.98% 2.00% $1,000

 

 

36 Month Climbing Rate3

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

IntervalInterest RateAPY*
1st Six Months1.00%1.01%
2nd Six Months1.24%1.25%
3rd Six Months1.49%1.50%
4th Six Months1.73%1.75%
5th Six Months1.98%2.00%
6th Six Months2.23%2.25%
Blended1.61%1.63%

60 Month Guaranteed Rate4

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

IntervalInterest RateAPY*
1st Year1.24%1.25%
2nd Year1.49%1.50%
3rd Year1.73%1.75%
4th Year1.98%2.00%
5th Year2.23%2.25%
Blended1.73%1.75%

 

  • Terms are available from 91 days to 5 years
  • $1,000 minimum balance to open
  • Interest is compounded daily
  • Automatic renewal
  • Two-year term
  • Bump up your rate one time during the initial term if the rate rises
  • 36-month CD that climbs to a higher rate every 6 months
  • Option to withdraw funds without penalty at the end of each 6-month period
  • 36-month & 60-month CD that climbs to a higher rate every 12 months
  • Funds may be withdrawn without penalty at any one year interval
  • Exclusive CD for individuals age 50 years or better with any personal Centier checking account
  • Earn additional interest points for every year beyond 50
  • Personal deposits only. Total aggregate maximum of $250,000.00 per primary account holder

How will the value of you certificate of deposit (CD) change over time? Use this calculator to estimate what it could be worth. 

Disclosures

Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues as well as mortgage information.

Please note the following disclosure information before proceeding to apply for your new Certificate of Deposit online.

  • Only personal deposits are accepted online. Please visit your local branch or contact us at 1-888-CENTIER to open a Certificate of Deposit with a business deposit.
  • 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. 
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.

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 withdrawn without penalty at any one year interval.

Effective Date: