Give your business the gold star of approval with tiered interest

Sole proprietors, civic groups, governmental units and more now have access to the competitive interest.

Benefits You’ll Love

  • Earn competitive, tiered interest
  • Avoidable monthly service fee
  • Account available to various groups and organizations
  • Easily manage cash from anywhere with digital banking
Rewards Star Checking CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Rewards Star Checking account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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2. Loan Details
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3. Lease Details
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total paid $0
  • Total interest paid $0

Certificates of Deposit (CD)

Invest confidently knowing you'll receive a guaranteed rate of return with a Centennial Bank CD. We offer a wide range of CD products at competitive market rates. Whether you are looking to invest short-term or long-term, Centennial Bank has the right CD for you. Contact your local branch for current terms and rates.

Club Accounts

Account Balance Interest Rate APY
Christmas Club 0 - $5,000 1.24% 1.24%
Christmas Club $5,000+ 0.50% 0.50%
 
Vacation Club 0 - $5,000 1.24% 1.25%
Vacation Club $5,000+ 0.50% 0.50%

Subject to terms and conditions of the bank. There is a minimum $10 deposit to open a club account. Rates effective November 1, 2023

Gold Star Checking Account

Tier Minimum Required Opening Deposit to Obtain Interest Interest Rate APY
$1,000.00 - $2,499.99 $1,000.00 0.700% 0.700%
$2,500.00+ $2,500.00 0.800% 0.800%

Money Market Account

Tier Minimum Required Opening Deposit to Obtain Interest Interest Rate APY
$2,500.00 - $9,999.99 $2,500.00 0.850% 0.850%
$10,000.00 - $24,999.99 $10,000.00 0.950% 0.950%
$25,000.00 - $49,999.99 $25,000.00 1.090% 1.100%
$50,000.00 - $99,999.99 $50,000.00 1.490% 1.500%
$100,000.00 - $249,999.99 $100,000.00 3.450% 3.500%
$250,000+ $250,000 4.170% 4.250%

Rewards Savings*

Tier Minimum Required Opening Deposit Interest Rate APY
0 - $25,000 $25.00 0.9955% 1.00%
$25,000+ $25.00 0.5000% 0.50%
Qualifications not met $25.00 0.01% 0.01%

Qualifications

Qualifying for your Rewards Star or Rewards Star Cash Back rewards automatically qualifies you for the highest Rewards Savings rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Rewards Star or Rewards Star Cash Back account during each Monthly Qualification Cycle:

  • At least 1 ACH credit or ACH payment transaction
  • At least 12 debit card purchases

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.

Rewards Star*

Tier Minimum Required Opening Deposit Interest Rate APY
0 - $10,000 $100.00 4.889% 5.00%
$10,000+ $100.00 0.50% 0.50%
Qualifications not met $100.00 0.01% 0.01%

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Rewards Star account during each Monthly Qualification Cycle:

  • At least 1 ACH credit or ACH payment transaction
  • At least 12 debit card purchases

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Savings Account

Minimum Balance to Open Interest Rate APY
$25.00 0.50% 0.50%