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Savings and Certificates
 

Savings & Certificates & IRAs

You need your money to work harder than ever for you. That's why we offer the options you need to get a good return on your savings. Check out our great rates today.

Savings

With a Centris savings account, you can begin your savings program. Your money will earn a competitive rate, compounded daily, based on current market rates. Your savings can even be automatically deducted from your paycheck through payroll deduction.

Rafferty Club Savings

Our exclusive account for children 12 and under earns dividends from the very first penny deposited. A Rafferty gift is given for opening the account and children receive a gift every time they make a deposit.

Market Rate Savings

With a Market Rate Savings Account, members receive dividends compounded daily based on current market rates. Earn even higher dividends with balances of $10,000, $25,000, $50,000, and more!

InvestorsPlus Money Market Account

InvestorsPlus combines the properties of both solid and liquid. Our breakthrough formula gives you a competitive rate on your savings and instant access to your account. With InvestorsPlus, you'll earn a competitive rate, with dividends compounded daily and paid monthly. Plus, there are no service charges as long as you maintain a $25,000 average daily balance.

In addition, you'll enjoy all these benefits: 

  • FREE Money Orders;
  • FREE Cashier's Checks;
  • FREE InvestorsPlus checks for easy access to this account.

Certificates

Certificates are a great way to save for specific goals. Our certificates offer high yields based on current market trends for your long-term investment needs and all you need is $500 to get started. We also offer Jumbo Certificates with a minimum $90,000 deposit. Choose from maturation dates of 3, 6, 7, 9, 12, 13, 18, 24, 36, 48, and 60 months.

NEW Add-On Certificate

Our short-term add-on certificate allows you to add-on to your certificate balance during the term of the certificate. A minimum deposit of $100 is required to establish this certificate. There is no maximum or minimum amount required to add-on to your balance. Available terms are 3, 6, 9, and 12 months.

Individual Retirement Accounts (IRAs)

Start planning for the future now by opening an Individual Retirement Account with as little as $500 and earn high money market dividends compounded daily. Choose between a variable rate account, which earns dividends that fluctuate with the market, or lock in our current rates with a Certificate Account, which earns dividends for 3, 6, 7, 9, 12, 13, 24, 36, 48, or 60 months. Again, all it takes is $500 to open your IRA Certificate account, or $90,000 for the Jumbo IRA Certificate.

To help you plan for your retirement future, check out our Retirement Financial Calculator.

 

You Name It Club Account

The “You Name It Club Account” was created to save for things such as a wedding, college expenses, down payment for a new car, or for holiday expenses.

With the “You Name It Club Account,” you decide when the funds will become available. Depending on what you are saving for, you can choose any month of the year to have the club account mature. The disbursal will happen at the end of the selected month and will be automatically deposited into any savings or checking account that you choose. The transfer account can be changed up until the day prior to payout.

A benefit to the “You Name It Club Account” is that it offers an interest rate higher than a general savings account. Please see rates for current interest rates on this account.

If the funds are withdrawn prior to the end of the plan year, all dividends earned are forfeited and the account is closed and not eligible to be reopened until the plan year is completed. No partial withdrawals are allowed.

You can deposit as much and as often as you choose. Deposits can be made at the branch, over the phone or online by transfers or can also be set up for automatic transfers from another Centris account.

For what special goal would you like to save? Visit a Centris branch today to find out more about opening a new “You Name It Club Account” and you'll be on your way to achieving your goal!