Reward yourself with free checking that pays

Earn 5.00% APY on your balance and skip the monthly service charge.

Benefits You'll Love

  • No minimum balance required to earn rewards
  • No monthly service charge
  • Earn 5.00% APY on your balance
  • Withdraw fast cash from a nationwide network of free ATMs

A $100 minimum deposit is required to open the account. Monthly ACH Credit or ACH Debit and a minimum of 12 debit card transactions are a condition of this account. Limit of 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Receipt of an electronic statement is a feature of the account; however, the customer may opt to receive a paper statement for a monthly fee of $3.00. If the account does not meet qualifications for a 6 month period, the account will be converted to a STAR account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning the first day of the current statement cycle through the close of the current statement cycle. The statement cycle ends the 2nd Tuesday of each month.

Reward Information: When your Rewards Star account qualifications are met during a Monthly Qualification Cycle, (1) daily balances up to $10,000 receive an annual percentage yield (APY) of 5.00%; and balances over $10,000 earn 0.50% interest rate on the portion of balance over $10,000, resulting in a range from 5.00% to 0.91% APY depending on the account’s balance and (2) you will receive up to $20.00 reimbursements for nationwide ATM withdrawal fees imposed by this and other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. When Rewards Star qualifications are not met, all balances in the account earn 0.01% APY and ATM withdrawal fees are not refunded. Reward payments and ATM fee reimbursements will be credited to the appropriate Rewards account on the last day of current statement cycle. APY = Annual Percentage Yield. APY is accurate as of 07/27/2023. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

Member FDIC.

    Monthly Qualification Cycle Statement Cycle

Month

Year

Begin

End

Begin

End

December

2023

11/14/23

12/11/23

11/15/23

12/12/23

 

January

2024

12/12/23

1/08/24

12/13/23

1/09/24

February

2024

1/10/24

2/13/24

1/10/24

2/13/24

March

2024

2/14/24

3/12/24

2/14/24

3/12/24

April

2024

3/13/24

4/09/24

3/13/24

4/09/24

May

2024

4/10/24

5/14/24

4/10/24

5/14/24

June

2024

5/15/24

6/11/24

5/15/24

6/11/24

July

2024

6/12/24

7/09/24

6/12/24

7/09/24

August

2024

7/10/24

8/13/24

7/10/24

8/13/24

September

2024

8/14/24

9/10/24

8/14/24

9/10/24

October

2024

9/11/24

10/08/24

9/11/24

10/08/24

November

2024

10/09/24

11/12/24

10/09/24

11/12/24

December

2024

11/13/24

12/10/24

11/13/24

12/10/24

Future Monthly Qualification Cycle and Statement Cycle dates for our Rewards Star accounts will be available to you via our website or through one of our Service Representatives within one of our branches.

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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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 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 1.490% 1.500%
$100,000.00 - $249,999.99 3.450% 3.500%
$250,000+ 4.170% 4.250%

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%