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Take Advantage of All New Certificate Rates

Earn More for Your Savings with a Certificate at Centric

DETAILS

Invest in a sure thing. Share certificates pay guaranteed returns at fixed, competitive rates.

  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Terms range from 6 to 60 months
  • Dividends may be paid to:
    • The certificate
    • Another account
    • A check to the Member
  • Use as funds to secure a loan
  • Multiple certificates available for different needs
    • Jumbo Certificates require a $50,000 minimum opening deposit and balance to earn rewards.
    • Regular Certificates require a $1,000 minimum opening deposit and balance to earn rewards.
  • Free online banking
  • Free mobile banking**
  • Free e-statements
  • Free telephone banking
  • Free access to shared branches all across the country
  • Nationwide surcharge-free ATMs
  • Early withdrawals subject to penalty***
  • NCUA insured up to $250,000

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Regular Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates* APY
6 Months$1,0002.96%3.00%
12 Months$1,0003.45%3.50%
15 Months - Special$1,0004.07%4.15%
18 Months$1,0003.93%4.00%
24 Months$1,0004.03%4.10%
36 Months$1,0004.12%4.20%
48 Months$1,0004.22%4.30%
60 Months$1,0004.31%4.40%

Penalty for early withdrawal. 
*The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.

Jumbo Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates* APY
6 Months$50,0002.96%3.00%
12 Months$50,0003.45%3.50%
15 Months - Special$50,0004.07%4.15%
18 Months$50,0003.93%4.00%
24 Months$50,0004.03%4.10%
36 Months$50,0004.12%4.20%
48 Months$50,0004.22%4.30%
60 Months$50,0004.31%4.40%

Penalty for early withdrawal.
*The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of November 21, 2022. Fees may reduce earnings. Terms and dividends rates are subject to change without notice.

**Data charges may apply

***The penalty for early withdrawal is half the term calculated within the number of days worth of dividends

 

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