APY = Annual Percentage Yield. Rates effective as of July 5, 2017. Fees may reduce earnings.

Certificates of Deposit (CD)Learn More

Account Minimum Required Opening Deposit Interest Rate APY
Regular 6 Month CD $500 0.50% 0.50%
Regular 12 Month CD $500 0.70% 0.70%
Regular 18 Month CD $500 0.90% 0.90%
Regular 24 Month CD $500 1.00% 1.00%
Regular 36 Month CD $500 1.25% 1.26%
Regular 48 Month CD $500 1.30% 1.31%
Regular 60 Month CD $500 1.70% 1.71%

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.

Penalty for early withdrawal.

Kasasa Cash*Learn More

Tier Minimum Required Opening Deposit Interest Rate APY
0 - $10,000 $100.00 2.96% 3.00%
$10,000+ $100.00 0.25% 3.00% - 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 Kasasa Cash 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.

Kasasa Saver*Learn More

Tier Minimum Required Opening Deposit Interest Rate APY
0 - $25,000 $25.00 0.75% 0.75%
$25,000+ $25.00 0.25% 0.75% - 0.35%
Qualifications not met $25.00 0.01% 0.01%

Qualifications

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa 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.

Checking Accounts

Account Minimum Balance to Open
and to Obtain Interest
Interest Rate APY
Gold Star $1,000.00 - $2,499.99 0.22% 0.22%
Gold Star $2,500.00+ 0.32% 0.32%
Money Market $2,500.00 0.50% 0.50%
Money Market Plus $50,000.00 0.70% 0.70%

Savings Accounts

Account Minimum Balance to Open
Interest Rate APY
Savings $25.00 0.20% 0.20%
2018 Christmas Club 1 $10.00 1.18% 2 1.18% - 0.25% 2
2018 Vacation Club 1 $10.00 1.18% 2 1.18% - 0.25% 2
IRA (18 Month) $100.00 0.90% 0.90%

Subject to terms and conditions of the bank.
Tiered rate for 2018 (Christmas Club and Vacation Club rate effective November 1, 2017):

Tier Interest Rate APY
0 - $5,000 1.18% 1.18%
$5,000+ 0.20% 1.18% - 0.25%