Centennial Bank High-Yield Savings & Money Market Rates

How Centennial Bank’s savings rates compare

Compared with banks and credit unions near Jackson, TN, where Centennial Bank has the most branches. $10,000, best rate first.

This bank’s best
Centennial Bank
1.00%APY
Requires
Monthly account activity
Minimum
$25
Earns on $10,000 a year
$100
Rewards Savings
Top rate
Community Bank
3.75%APY
Requires
None
Minimum
$1,500
Earns on $10,000 a year
$375
Community Bank rates
2nd-highest rate
Leaders Credit Union
3.50%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$350
Leaders Credit Union rates

Compare savings rates near you →

84

Savings score

Higher than 66% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.40%
$10,000 balance$10,0000.75%
$100,000 balance$100,0003.60%
QualifiedQualified1.00%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Centennial Bank ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Money Market Account

0.75%APY$2,500 to open

Avoid $10 monthly minimum balance fee by maintaining a $2,500 minimum daily balance. Account subject to loss of earnings for the statement cycle if minimum balance is not maintained. 6 free withdrawals per month ($5 per withdrawal thereafter). Earnings are paid monthly based on average balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $10,000Avoid $10 monthly minimum balance fee with $2,500 minimum daily balance; earnings paid monthly based on average balance and subject to loss if minimum balance is not maintained.	0.60%	—	Avoid $10 monthly minimum balance fee with $2,500 minimum daily balance; earnings paid monthly based on average balance and subject to loss if minimum balance is not maintained.
$10,000 – $25,000Avoid $10 monthly minimum balance fee with $2,500 minimum daily balance; earnings paid monthly based on average balance and subject to loss if minimum balance is not maintained.	0.75%	$75	Avoid $10 monthly minimum balance fee with $2,500 minimum daily balance; earnings paid monthly based on average balance and subject to loss if minimum balance is not maintained.
$25,000 – $50,000Avoid $10 monthly minimum balance fee with $2,500 minimum daily balance; earnings paid monthly based on average balance and subject to loss if minimum balance is not maintained.	0.85%	—	Avoid $10 monthly minimum balance fee with $2,500 minimum daily balance; earnings paid monthly based on average balance and subject to loss if minimum balance is not maintained.
$50,000 – $100,000Avoid $10 monthly minimum balance fee with $2,500 minimum daily balance; earnings paid monthly based on average balance and subject to loss if minimum balance is not maintained.	1.75%	—	Avoid $10 monthly minimum balance fee with $2,500 minimum daily balance; earnings paid monthly based on average balance and subject to loss if minimum balance is not maintained.
$100,000 – $250,000Avoid $10 monthly minimum balance fee with $2,500 minimum daily balance; earnings paid monthly based on average balance and subject to loss if minimum balance is not maintained.	3.60%	—	Avoid $10 monthly minimum balance fee with $2,500 minimum daily balance; earnings paid monthly based on average balance and subject to loss if minimum balance is not maintained.
$250,000 and upAvoid $10 monthly minimum balance fee with $2,500 minimum daily balance; earnings paid monthly based on average balance and subject to loss if minimum balance is not maintained.	3.75%	—	Avoid $10 monthly minimum balance fee with $2,500 minimum daily balance; earnings paid monthly based on average balance and subject to loss if minimum balance is not maintained.

Sources (2)

All captured Sep 18, 2026

Rewards Savings

Up to 1.00%APYRequirements apply$25 to open

Must be linked to a Rewards Star or Rewards Star Cash Back checking account. Limit 1 account per social security number. $5 quarterly minimum balance fee assessed based on minimum daily balance of $100 (waived for primary account holders under age 24). Paper statements cost $3.00/month (eStatements free). 6 free withdrawals per quarter ($5 fee per excess withdrawal).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Qualifying rate when monthly qualification cycle requirements are met in linked Rewards Star or Rewards Star Cash Back checking account (at least 1 ACH credit or ACH payment transaction, and at least 12 debit card purchases post and settle).	1.00%	$100	Qualifying rate when monthly qualification cycle requirements are met in linked Rewards Star or Rewards Star Cash Back checking account (at least 1 ACH credit or ACH payment transaction, and at least 12 debit card purchases post and settle).
Any balanceBase rate applied to all balances if monthly qualifications are not met in linked Rewards Star or Rewards Star Cash Back account.	0.01%	$1	Base rate applied to all balances if monthly qualifications are not met in linked Rewards Star or Rewards Star Cash Back account.
$25,000 and upQualifying rate on portion of balance over $25,000 when monthly qualification cycle requirements are met in linked checking account, resulting in an APY range from 1.00% to 0.55% depending on balance.	0.40%	—	Qualifying rate on portion of balance over $25,000 when monthly qualification cycle requirements are met in linked checking account, resulting in an APY range from 1.00% to 0.55% depending on balance.

Sources (3)

All captured Oct 15, 2026

Savings Account

0.40%APY$25 to open

Interest compounded and credited quarterly. 6 free withdrawals per quarter ($5 fee per excess withdrawal). A $5 minimum balance fee will be assessed quarterly based on a minimum daily balance of $100 (not assessed for primary account holders under age 24). Paper statements are $3.00 per month; eStatements are free.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.40%	$40

Sources (3)

All captured Oct 15, 2026

Special-purpose accounts

Christmas Club

0.40%APY · 1 termClubFrom $10 to open

Club savings account for holiday-related expenses. Deposits allowed anytime in any amount. Earnings and principal released via automatic transfer on November 1st each year (or next business day). Withdrawals not allowed during the one-year term ($5 fee charged). Free eStatements ($3 for paper statements). No monthly service fee.

Earnings on $10,000 over the term.
Term	APY · Up to $5,000	APY · $5,000 and up	APY	Earns on $10,000Earns
12 monthsTier applies to balances $5,000+	—	0.40%	0.40%	$40
12 monthsTier applies to balances from 0 to $5,000	2.26%	—	—2.26% to $5k	—

Sources (3)

All captured Oct 15, 2026

Vacation Club

0.40%APYClub$10 to open

Club savings account to save for vacation. Deposits allowed anytime in any amount. 2 withdrawals allowed each calendar year with no penalty ($25 fee per subsequent withdrawal after 2). Free eStatements ($3 for paper statements). No monthly service fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $5,000Tier applies to balances from 0 to $5,000.	2.26%	—	Tier applies to balances from 0 to $5,000.
$5,000 and upTier applies to balances $5,000+.	0.40%	$40	Tier applies to balances $5,000+.

Sources (3)

All captured Oct 15, 2026

Opening an account

Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.

Visit institution website ↗Branches and institution details

How Centennial Bank’s savings rates compare

Centennial Bank savings score

Current savings rates

Money Market Account

Rewards Savings

Savings Account

Special-purpose accounts

Christmas Club

Vacation Club

Opening an account