Credit union · NCUA insured
CENT Credit Union CD Rates
CENT Credit Union’s best CD rate is 4.50% APY on a 2-year share certificate (CD). Terms run from 1 year to 2 years. Rates checked October 16, 2026.
How CENT Credit Union’s CD rates compare
Compared with banks and credit unions near Mason City, IA, where CENT Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CENT Credit Union
4.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $920
Time Share Certificates
2nd-highest rate
Clear Lake Bank and Trust Company
4.27%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $319
3rd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Time Share Certificates
Up to 4.50%APY · 2 terms
Dividends are calculated daily and paid monthly. Early withdrawals may result in penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires a minimum of $1,000.00 to open | 4.00% | $400 |
| 24 monthsRequires a minimum opening deposit of $5,000. No maximum deposit applies | 4.50% | $920 |
Who can join CENT Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents or workers in designated counties in Iowa and South Dakota are eligible for membership.
Family and household
- Family members of current CENT members are eligible for membership.
Membership information collected October 4, 2026.