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Deposit Rates

Interest Rates and Annual Percentage Yields (APY) are accurate as of August 2, 2021.


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. Rates are subject to change without notice and may change after account opening. Fees may reduce earnings.

Golden Rewards Checking

Balance Interest Rate APY
$0.00 - $9,999.99 0.10% 0.10%
$10,000.00 - $49,999.99 0.30% 0.30%
$50,000.00 - $99,999.99 0.30% 0.30%
$100,000.00 - $249,999.99 0.30% 0.30%
$250,000.00 - $499,999.99 0.30% 0.30%
$500,000.00 - $749,999.99 0.30% 0.30%
$750,000.00 - $999,999.99 0.30% 0.30%
$1,000,000.00 and above 0.30% 0.30%

Primary account holder must be age 50 or older to qualify. An active monthly direct deposit, such as payroll or retirement, is required to earn advertised rates. Without meeting requirements, account will earn 0.03% base rate. Offer and interest rate subject to change at any time. Interest rate may change after account opening. Fees may reduce earnings. Third party service provider fees may apply. First deposit due at opening; no minimum applies. Up to $20.00 non-Centric Bank ATM uses refunded per card per statement cycle.

Statement Savings

Balance Interest Rate APY
All Balances 0.10% 0.10%

Minimum deposit required to open account is $25.00, if account balance falls below $25.00, a $3.00 minimum balance fee will be charged each statement cycle. Due to the COVID-19 pandemic, federal regulations which normally limit the number of pre-authorized withdrawals to six per statement cycle are temporarily waived for money market and savings accounts. Rates are subject to change without notice and may change after account opening. Fees may reduce earnings.

Health Savings Account

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

Rates are subject to change without notice and may change after account opening. Fees may reduce earnings.

Money Market

Balance Interest Rate APY
$2,500.00 - $9,999.99 0.10% 0.10%
$10,000.00 - $49,999.99 0.15% 0.15%
$50,000.00 - $99,999.99 0.20% 0.20%
$100,000.00 and above 0.25% 0.25%

Minimum deposit required to open account is $2,500.00. If account balance falls below $2,500.00, a $25.00 minimum balance fee will be charged each statement cycle. Due to the COVID-19 pandemic, federal regulations which normally limit the number of pre-authorized withdrawals to six per statement cycle are temporarily waived for money market and savings accounts. Rates are subject to change without notice and may change after account opening. Fees may reduce earnings.

Personal Indexed Money Market

Balance Interest Rate APY
$0.00 - $24,999.99 0.00% 0.00%
$25,000.00 and above 0.08% 0.08%

This account has a variable rate at 75% of the Wall Street Journal Effective Fed Funds Rate (EFFR) which was 0.10% as of 07.31.2021. 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. Due to the COVID-19 pandemic, federal regulations which normally limit the number of pre-authorized withdrawals to six per statement cycle are temporarily waived for money market and savings accounts.

Certificates of Deposit

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