11-month and 22-month Certificate

Invest in an 11-month or a 22-month Certificate and watch your money grow!

Schedule an appointment with one of our service representatives at a Centris branch near you and take action on your financial future today!

Check out our Certificates page for additional certificate options to find the one that fits your savings needs.

Current Certificate Rates

Regular & IRA

Regular & IRA Certificates – minimum opening deposit of $500.00

TierDividend RateAPYMinimum balance to earn stated APY
6 month1.54%1.55%$500.00
9 month1.64%1.65%$500.00
11 month3.83%3.90%$500.00
12 month1.73%1.75%$500.00
18 month1.88%1.90%$500.00
22 month4.16%4.25%$500.00
24 month1.93%1.95%$500.00
36 month1.98%2.00%$500.00
39 month Jump Up4.16%4.25%$500.00
48 month2.03%2.05%$500.00
60 month2.08%2.10%$500.00
Annual Percentage Yield (APY) and dividends are accurate as of the last declaration date of November 9, 2022. Rates are subject to change at any time without notice. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.

Jumbo

Jumbo Certificates – minimum opening deposit of $90,000.00

TierDividend RateAPYMinimum balance to earn stated APY
6 month1.64%1.65%$90,000.00
9 month1.73%1.75%$90,000.00
11 month3.92%4.00%$90,000.00
12 month1.83%1.85%$90,000.00
18 month1.98%2.00%$90,000.00
22 month4.26%4.35%$90,000.00
24 month2.03%2.05%$90,000.00
36 month2.08%2.10%$90,000.00
39 month Jump Up4.26%4.35%$90,000.00
48 month2.13%2.15%$90,000.00
60 month2.18%2.20%$90,000.00
Annual Percentage Yield (APY) and dividends are accurate as of the last declaration date of November 9, 2022. Rates are subject to change at any time without notice. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.

*Federally insured by NCUA. Annual Percentage Yield (APY) is accurate as of November 9, 2022. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Minimum opening deposit of $500 is required to receive 3.90% APY (11 month) or 4.25% APY (22 month). Minimum opening deposit of $90,000 is required to receive 4.00% APY (11 month) or 4.35% APY (22 month). Promotional rate begins on November 9, 2022. Programs, rates, terms and conditions are subject to change without notice. Inquire at Centris Federal Credit Union for complete terms and conditions at (800) 334-2328.