Centra rates: up to 4.35% APY
credit union · NCUA CHARTER 68287 · www.centra.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Christmas Club | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| IRA Savings | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Membership Savings | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Savings | Opportunity | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificate of Deposit | 7 Day | 0.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 3 Month | 0.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 4 Month | 0.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 6 Month | 1.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 10 Month | 1.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 12 Month | 1.70% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 12 Month | 1.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 18 Month | 1.80% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 18 Month | 1.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 24 Month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 2 Year | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 30 Month | 1.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 3 Year | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 3 Year | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 4 Year | 2.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 4 Year | 2.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 5 Year | 2.10% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 5 Year | 2.10% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| HSA Money Market Savingsˆ | $2,500 - $4,999^ | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA Money Market Savingsˆ | $5,000 - $9,999^ | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA Money Market Savingsˆ | $10,000 - $24,999^ | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA Money Market Savingsˆ | $25,000 - $49,999^ | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA Money Market Savingsˆ | $50,000+^ | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| High Interest Money Market Savings | $0 - $24,999 | 1.35% | APY | 2026-11-01 | since 2026-11-01 | |
| High Interest Money Market Savings | $25,000 - $49,999 | 1.40% | APY | 2026-11-01 | since 2026-11-01 | |
| High Interest Money Market Savings | $50,000 - $249,999 | 1.45% | APY | 2026-11-01 | since 2026-11-01 | |
| High Interest Money Market Savings | $250,000 - $499,999 | 1.60% | APY | 2026-11-01 | since 2026-11-01 | |
| High Interest Money Market Savings | $500,000 - $999,999 | 2.10% | APY | 2026-11-01 | since 2026-11-01 | |
| High Interest Money Market Savings | $1,000,000 - $2,999,999 | 3.20% | APY | 2026-11-01 | since 2026-11-01 | |
| High Interest Money Market Savings | $3,000,000+ | 3.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market & Classic Plus Savingsˆ | $0 - $999^ | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market & Classic Plus Savingsˆ | $1,000 - $4,999^ | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market & Classic Plus Savingsˆ | $5,000 - $14,999^ | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market & Classic Plus Savingsˆ | $15,000 - $24,999^ | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market & Classic Plus Savingsˆ | $25,000 - $49,999^ | 0.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market & Classic Plus Savingsˆ | $50,000+^ | 0.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Premium Money Market Checkingˆ | $1,000 - $9,999^ | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Premium Money Market Checkingˆ | $10,000 - $24,999^ | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Premium Money Market Checkingˆ | $25,000 - $49,999^ | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Premium Money Market Checkingˆ | $50,000+^ | 0.30% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 8 Month w/checking | 4.35% | APY | 2026-11-01 | since 2026-11-01 | ||
| Advantage Checking^ | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| HSA Tiered Checking | $0 - $499 | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA Tiered Checking | $500 - $999 | 1.10% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA Tiered Checking | $1,000 - $4,999 | 1.35% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA Tiered Checking | $5,000 - $14,999 | 1.60% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA Tiered Checking | $15,000+ | 1.85% | APY | 2026-11-01 | since 2026-11-01 | |
| High Interest Checking | $0 - $1,000 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| High Interest Checking | $1,000.01 - $5,000 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| High Interest Checking | $5,000.01+ | 0.20% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.centra.org/deposit-rates/ | 2026-11-01 18:33 UTC | ok | c1a3ce8338ae |
| www.centra.org/centra-savings-accounts/deposit-rates/ | 2026-11-01 18:33 UTC | ok | b8604601a106 |
| www.centra.org/certificates/ | — | extract-failed |