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Deposit Rates

Interest Rates and Annual Percentage Yields (APY) are accurate as of April 1, 2019. Rates are subject to change without notice, but are updated as soon as possible when changes occur. Fees may reduce earnings.

See Current Deposit Specials Here


Interest Checking | Golden Rewards Checking | Statement Savings | Health Savings | Money Market | Indexed Money Market | Certificates of Deposit

Interest Checking

Balance Interest Rate APY
$1,000.00 - $24,999.99 0.03% 0.03%
$25,000.00 and above 0.07% 0.07%

$1,000 minimum balance required to earn interest and avoid monthly balance fee.

Golden Rewards Checking

Balance Interest Rate APY
$0.00 - $9,999.99 0.40% 0.40%
$10,000.00 - $49,999.99 0.80% 0.80%
$50,000.00 - $99,999.99 0.85% 0.85%
$100,000.00 - $249,999.99 0.85% 0.85%
$250,000.00 - $499,999.99 0.85% 0.85%
$500,000.00 - $749,999.99 0.85% 0.85%
$750,000.00 - $999,999.99 1.00% 1.00%
$1,000,000.00 and above 1.00% 1.00%

For customers age 50 and over. Requires active monthly direct deposit such as payroll or retirement.

Statement Savings

Balance Interest Rate APY
All Balances 0.10% 0.10%

Minimum deposit required to open account is $25.00.

Health Savings Account

Balance Interest Rate APY
$0.00 - $5,000.00 0.05% 0.05%
$5,001.00 - $10,000.00 0.10% 0.10%
$10,000.01 and above 0.15% 0.15%

Money Market

Balance Interest Rate APY
$2,500.00 - $9,999.99 0.10% 0.10%
$10,000.00 - $49,999.99 0.20% 0.20%
$50,000.00 - $99,999.99 0.30% 0.30%
$100,000.00 and above 0.40% 0.40%

Minimum deposit required to open account is $2,500.00.

Indexed Money Market

Balance Interest Rate APY
$0.00 - $24,999.99 0.00% 0.00%
$25,000.00 and above 1.84% 1.86%

This account has a variable rate at 75% of the Wall Street Journal Effective Fed Funds Rate (EFFR) which was 2.45% as of 4.30.2019. New Annual Percentage Yield (APY) takes effect on the first day of the following month. Individual Retirement Accounts (IRAs) are not eligible. A minimum balance of $25,000 new money (money not already on deposit with Centric Bank) is required to open account, earn interest, and avoid a monthly maintenance fee of $50.00.  Fees may reduce earnings. Interest rate may change after account opening. Offer is subject to change or be withdrawn at any time without notice. Federal regulations limit the number of pre-authorized withdrawals made from a money market account to six per month.

Certificates of Deposit

Call your nearest Financial Center for our current rates on CDs.