Make Your Savings Work Harder

Bundle & Save!

Certificate and Savings Bundle

Open a 9-month or greater certificate and a NEW savings account to receive our special Savings Account Bundle rate.

Spring into Savings with our 11-month Certificate!

6-Month Certificate

The sky’s the limit with our great certificate rates! Launch your savings to new heights today! 

Our certificates have flexible terms and you can choose from a variety of certificate types.

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.

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.

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.

Customized Certificates

With customizable term options and a guaranteed return on your investment, certificates can earn you money on your own terms. Just choose your opening deposit and we’ll help you customize a certificate term that works for you.

Current Rates

Certificate & Savings Bundle

TierDividend RateAPYMinimum balance to earn stated APY
N/A5.12%5.25%Any balance up to matched certificate amount
Federally insured by NCUA. Annual Percentage Yield (APY) is accurate as of Feb. 8, 2024. A penalty for early withdrawal may be imposed on the certificate linked to the Certificate and Savings Bundle account. Fees may reduce earnings on the account. Minimum opening deposit of $500 required for certificate. Qualifying certificate with 9-month minimum term required. Savings account must be opened within 7 days of the certificate and no additional deposits can be made into the savings account. Savings account opening deposit not to exceed that of certificate. 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.

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Certificates

TierDividend RateAPYMinimum balance to earn stated APY
6 month5.12%5.25%$500.00
9 month5.02%5.15%$500.00
12 month4.88%5.00%$500.00
18 month4.83%4.95%$500.00
22 month4.40%4.50%$500.00
24 month3.92%4.00%$500.00
36 month3.44%3.50%$500.00
39 month Jump Up3.44%3.50%$500.00
48 month3.44%3.50%$500.00
60 month3.44%3.50%$500.00
Annual Percentage Yield (APY) and dividends are accurate as of the last declaration date of Feb. 8, 2024. 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.

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Jumbo Certificates

TierDividend RateAPYMinimum balance to earn stated APY
6 month5.21%5.35%$90,000.00
9 month5.12%5.25%$90,000.00
12 month4.97%5.10%$90,000.00
18 month4.93%5.05%$90,000.00
22 month4.50%4.60%$90,000.00
24 month4.02%4.10%$90,000.00
36 month3.54%3.60%$90,000.00
39 month Jump Up3.54%3.60%$90,000.00
48 month3.54%3.60%$90,000.00
60 month3.54%3.60%$90,000.00
Annual Percentage Yield (APY) and dividends are accurate as of the last declaration date of Feb. 8, 2024. 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.

Book an Appointment

Add-On Certificates

TierDividend RateAPYMinimum balance to earn stated APY
12 months0.25%0.25%$100.00
Annual Percentage Yield (APY) is accurate as of Feb. 8, 2024. 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.

Book an Appointment

A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Programs, rates, terms and conditions are subject to change without notice. Inquire at Centris for complete terms and conditions at (800) 334-2328.