Save Wisely with Certificates
Our certificates have flexible terms plus you can choose from a variety of certificate types. Make your savings work harder.
Certificates
Certificates offer higher dividends on your investment and are available with maturity dates of six months to five years. Each certificate has a seven-day grace period for withdrawals during its renewal period and certificates are federally insured. All you need is $500 to get started.
Add-On Certificates
Start saving today with an add-on certificate. You only need $100 to open this account that allows you to make unlimited deposits, in any amount, for the 12-month term of the certificate. Convenient additional deposits can be made in the branch, online, with mobile banking or automatic transfers.
Jumbo Certificates
Looking for an even higher rate? Receive market competitive certificate rates when you open a jumbo certificate with a $90,000 minimum deposit.
Save to Win
Open a Save to Win certificate and you could win. You only need $25 to open this account that allows you to make unlimited deposits, in any amount, for the 12-month term of the certificate. For every $25 deposit you make during a month (up to 10), you will be entered into monthly and quarterly drawings for cash prizes.
Official account and prize entry rules and complete list of prizes that are available at www.savetowin.org. Void where prohibited by law. Inquire at Centris for complete terms and conditions. Click here for official rules.
Current Rates
Certificates
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| 6 months | 0.50% | 0.50% | $500.00 |
| 9 months | 0.55% | 0.55% | $500.00 |
| 12 months | 0.60% | 0.60% | $500.00 |
| 15 months | 0.65% | 0.65% | $500.00 |
| 18 months | 0.65% | 0.65% | $500.00 |
| 24 months | 0.70% | 0.70% | $500.00 |
| 36 months | 0.75% | 0.75% | $500.00 |
| 48 months | 0.80% | 0.80% | $500.00 |
| 60 months | 0.85% | 0.85% | $500.00 |
Jumbo Certificates
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| 6 months | 0.60% | 0.60% | $90,000.00 |
| 9 months | 0.65% | 0.65% | $90,000.00 |
| 12 months | 0.70% | 0.70% | $90,000.00 |
| 15 months | 0.75% | 0.75% | $90,000.00 |
| 18 months | 0.75% | 0.75% | $90,000.00 |
| 24 months | 0.80% | 0.80% | $90,000.00 |
| 36 months | 0.85% | 0.85% | $90,000.00 |
| 48 months | 0.90% | 0.90% | $90,000.00 |
| 60 months | 0.95% | 0.95% | $90,000.00 |
Add-On Certificates
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| 12 months | 0.25% | 0.25% | $100.00 |
Save To Win Certificates
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| 12 months | 0.20% | 0.20% | $25.00 |
