APY = Annual Percentage Yield. Rates effective as of {{ dynamic-date }}. Fees may reduce earnings.

Rewards Star* Learn More

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.

Rewards Savings* Back to Top Learn More

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.

Gold Star Checking Account Back to Top Learn More

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%

Savings Account Back to Top Learn More

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

Money Market Account Back to Top Learn More

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%

Club Accounts Back to Top Learn More

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

Certificates of Deposit (CD) Back to Top Learn More

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.