Enhance your spending freedom with the power of credit
Choose from two amazing cards to access low rates, no annual fees, and a competitive ongoing APR1.
Benefits You’ll Love
- Enjoy a low introductory rate
- Earn rewards for spending
- View transactions and manage account 24/7 online
- 25-day interest-free grace period on all purchases
PERSONAL CARD – LOW RATE
Features
- No annual fee
- Low introductory rate for the first six months1
- Competitive ongoing APR1
- 25-day interest-free grace period on all purchases; no grace period on cash advances.
Benefits
- 24-hour toll-free live customer assistance available at 800-367-7576
- Online account information available 24/7 at cardaccount.net
- Rental car collision damage waiver protection and a host of extraordinary Mastercard® benefits
- Unlike some card offers, the APR1 for purchases and cash advances is the same; we do not charge a higher rate for cash advances
Fees
Other fees may be charged; these fees are provided during the application process.
PERSONAL CARD – WORLD / PREFERRED POINTS REWARDS
Features
- Earn points that you can redeem for rewards; earn one point for each dollar spent, up to 10,000 points per month
- Low introductory rate for first six months1
- Competitive ongoing APR1
- No annual fee
- 25-day interest-free grace period on all purchases; no grace period on cash advances
Benefits
- Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more
- To view or redeem rewards points, visit mypreferredpoints.com or call 866-678-5191
- 24-hour toll-free live customer assistance available at 800-367-7576
- Online account information available 24/7 at cardaccount.net
- Rental car collision damage waiver protection and a host of extraordinary Mastercard benefits
- Unlike some card offers, the APR1 for purchases and cash advances is the same; we do not charge a higher rate for cash advances
Fees
Other fees may be charged; these fees are provided during the application process.
MASTERCARD CREDIT CARDS FEATURE:
- Concierge Service2
- Price Protection
- Baggage Delay Insurance
- Car Rental Collision
- Damage Waiver
- Insurance
- Extended Warranty
- Travel Assistance
- Roadside Assistance
- Purchase Assurance
- Travel Accident Insurance
Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.
1Please see application for information about current APRs and fees.
2Concierge Services available with World MasterCard only.
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.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
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.
- Net cost of buying $0
- Net cost of leasing $0
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.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
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.
- Monthly deposit needed to reach goal $0
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.
- Estimated monthly payment $0
- 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 | 1.25% | 1.25% |
| Christmas Club | $5,000+ | 0.50% | 0.50% |
| Vacation Club | 0 - $5,000 | 1.25% | 1.26% |
| 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, 2024
Gold Star Checking Account
| Tier | Interest Rate | APY |
|---|---|---|
| $1,000.00 - $2,499.99 | 0.700% | 0.700% |
| $2,500.00+ | 0.800% | 0.800% |
Money Market Account
| Tier | Interest Rate | APY |
|---|---|---|
| $2,500.00 - $9,999.99 | 0.850% | 0.850% |
| $10,000.00 - $24,999.99 | 0.950% | 0.950% |
| $25,000.00 - $49,999.99 | 1.090% | 1.100% |
| $50,000.00 - $99,999.99 | 2.240% | 2.260% |
| $100,000.00 - $249,999.99 | 4.890% | 5.000% |
| $250,000+ | 4.890% | 5.000% |
Rewards Savings*
| Tier | Interest Rate | APY |
|---|---|---|
| 0 - $25,000 | 0.9955% | 1.00% |
| $25,000+ | 0.5000% | 0.50% |
| Qualifications not met | 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 | Interest Rate | APY |
|---|---|---|
| 0 - $10,000 | 4.889% | 5.00% |
| $10,000+ | 0.50% | 0.50% |
| Qualifications not met | 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% |