Central Bank & Trust Co. rates: up to 3.50% APY
bank · FDIC CERT 15815 · www.centralbank.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Central Bank Disclosure of Deposit Yields & | Individual Retirement Accounts | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $0 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Accounts | $0 | 1.00% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Central Money Market | < $10,000 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Central Money Market | $10,000 to $49,999.99 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Central Money Market | $50,000 to $99,999.99 | 1.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Central Money Market | $100,000 to $249,999.99 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Central Money Market | $250,000 or > | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Accounts | $500,000 or > | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Accounts | < $500,000 | 1.50% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Accounts | $0 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Accounts | $10,000 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Accounts | $50,000 | 1.50% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.centralbank.com/personal-savings-accounts | — | extract-failed | |
| www.centralbank.com/deposit-rates | 2026-11-01 15:53 UTC | ok | 0fb67dbbed4b |