Bank · FDIC insured
Centier Bank CD Rates
Centier Bank’s best CD rate is 3.75% APY on an 8-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Centier Bank’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Centier Bank has the most branches. $10,000, best rate first.
This bank’s best
Centier Bank
3.75%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $248
Certificate of Deposit
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Centier Bank CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.65%
- QualifiedQualified3.75%
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.
Where Centier Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.75%APY · 9 terms
Rates may vary by market. Personal deposits accepted online; visit branch or call for business deposits. Penalty for early withdrawal. Funds must be received within 7 days to receive current rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsNew money (funds not on deposit with Centier Bank in the last 90 days) | 3.40% | $84 |
| 3 monthsRenewal rate | 3.40% | $84 |
| 6 monthsNew money (funds not on deposit with Centier Bank in the last 90 days) | 3.40% | $169 |
| 6 monthsRenewal rate | 3.40% | $169 |
| 8 monthsNew money (funds not on deposit with Centier Bank in the last 90 days) | 3.75% | $248 |
| 12 monthsNew money (funds not on deposit with Centier Bank in the last 90 days) | 3.75% | $375 |
| 12 monthsRenewal rate | 3.75% | $375 |
| 18 monthsNew money (funds not on deposit with Centier Bank in the last 90 days) | 3.00% | $453 |
| 18 monthsRenewal rate | 3.00% | $453 |
| 24 monthsNew money (funds not on deposit with Centier Bank in the last 90 days) | 2.90% | $588 |
| 24 monthsRenewal rate | 2.90% | $588 |
| 36 monthsNew money (funds not on deposit with Centier Bank in the last 90 days) | 2.65% | $816 |
| 36 monthsRenewal rate | 2.65% | $816 |
| 48 monthsNew money (funds not on deposit with Centier Bank in the last 90 days) | 2.50% | $1,038 |
| 48 monthsRenewal rate | 2.50% | $1,038 |
| 60 monthsNew money (funds not on deposit with Centier Bank in the last 90 days) | 2.50% | $1,314 |
| 60 monthsRenewal rate | 2.50% | $1,314 |
Sources (1)
- centier.com/personal/banking/cds · captured Oct 15, 2026
Climbing Rate CD
Up to 2.25%APY · 1 term
Ability to withdraw funds without penalty at any six month interval.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsNew Money blended rate across full 36-month term | 1.63% | $497 |
| 36 monthsNew Money rate for 1st Six Months interval | 1.01% | $306 |
| 36 monthsNew Money rate for 2nd Six Months interval | 1.25% | $380 |
| 36 monthsNew Money rate for 3rd Six Months interval | 1.50% | $457 |
| 36 monthsNew Money rate for 4th Six Months interval | 1.75% | $534 |
| 36 monthsNew Money rate for 5th Six Months interval | 2.00% | $612 |
| 36 monthsNew Money rate for 6th Six Months interval | 2.25% | $690 |
Sources (1)
- centier.com/personal/banking/cds · captured Sep 26, 2026
Guaranteed Rate CD
Up to 2.25%APY · 1 term
Ability to withdraw funds without penalty at any one year interval.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsNew Money rate for 1st Year interval | 1.25% | $641 |
| 60 monthsNew Money rate for 2nd Year interval | 1.50% | $773 |
| 60 monthsNew Money rate for 3rd Year interval | 1.75% | $906 |
| 60 monthsNew Money rate for 4th Year interval | 2.00% | $1,041 |
| 60 monthsNew Money rate for 5th Year interval | 2.25% | $1,177 |
Sources (1)
- centier.com/personal/banking/cds · captured Sep 26, 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.