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
Book an Appointment| 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% | .050% | $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. | 4.80% | 5.00% | $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. | 4.88% | 5.00% | $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 |
Interval CDs
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
Rates
View Rates
| Interval | Interest Rate | APY* |
|---|---|---|
| 1st Six Months | 1.00% | 1.01% |
| 2nd Six Months | 1.24% | 1.25% |
| 3rd Six Months | 1.49% | 1.50% |
| 4th Six Months | 1.73% | 1.75% |
| 5th Six Months | 1.98% | 2.00% |
| 6th Six Months | 2.23% | 2.25% |
| Blended | 1.61% | 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
Rates
View Rates
| Interval | Interest Rate | APY* |
|---|---|---|
| 1st Year | 1.24% | 1.25% |
| 2nd Year | 1.49% | 1.50% |
| 3rd Year | 1.73% | 1.75% |
| 4th Year | 1.98% | 2.00% |
| 5th Year | 2.23% | 2.25% |
| Blended | 1.73% | 1.75% |
Ready to apply for a CD?
Effective Date:
* 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.
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.
- 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
- 1, 2, 3, 4, or 5 year Time Deposit with interest rate established weekly and guaranteed for the term of the certificate
- Interest compounds daily
- Minimum deposit is $500
- Annual statement
- Make periodic contributions into an IRA (within the IRS guidelines) at any time
- Transfer or rollover existing retirement funds
- Take periodic distributions at any time
- Combine other Centier IRA accounts into one account as they mature
- Retirement funds are not locked into a specific timeframe
- Liquidity of a savings account (IRS guidelines and penalties apply)
- Earnings that can be tax deferred
- Earn competitive interest
Disclosures
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. Disclosure
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.
