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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

Become A Member

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Regular Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates APY
6 Months$1,0002.080%2.100%
12 Months$1,0002.374%2.400%
15 Months - Special$1,0003.008%3.050%
18 Months$1,0002.570%2.600%
24 Months$1,0002.667%2.700%
36 Months$1,0002.862%2.900%
48 Months$1,0002.960%3.000%
60 Months$1,0003.057%3.100%

Penalty for early withdrawal.

Jumbo Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates APY
6 Months$50,0002.178%2.200%
12 Months$50,0002.472%2.500%
15 Months - Special$50,0003.105%3.150%
18 Months$50,0002.667%2.700%
24 Months$50,0002.765%2.800%
36 Months$50,0002.960%3.000%
48 Months$50,0003.057%3.100%
60 Months$50,0003.154%3.200%

Penalty for early withdrawal.

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of August 24, 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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