APY = Annual Percentage Yield. Rates effective as of July 27, 2023. Fees may reduce earnings.
Certificates of Deposit (CD) 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.
Kasasa Cash* 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 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 | 0.9955% | 1.00% |
| $25,000+ | $25.00 | 0.5000% | 0.50% |
| 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.
Gold Star Checking Account 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% |
Money Market Account 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% |
Savings Accounts Learn More
| Account | Minimum Balance to Open | Interest Rate | APY |
|---|---|---|---|
| Savings | $25.00 | 0.50% | 0.50% |
| 2023 Christmas Club1 | $10.00 | 1.23% 2 | 1.23% - 0.35% 2 |
| 2023 Vacation Club3 | $10.00 | 1.23% 4 | 1.24% - 0.35% 4 |
1 Subject to terms and conditions of the bank.
2 Tiered rate for 2023 Christmas Club effective November 1, 2022:
| Tier | Interest Rate | APY |
|---|---|---|
| 0 - $5,000 | 1.23% | 1.23% |
| $5,000+ | 0.30% | 0.30% |
3 Subject to terms and conditions of the bank.
4 Tiered rate for 2023 Vacation Club effective November 1, 2022:
| Tier | Interest Rate | APY |
|---|---|---|
| 0 - $5,000 | 1.23% | 1.24% |
| $5,000+ | 0.30% | 0.30% |
