Centris Federal Credit Union Savings & Money Market Rates

How Centris Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Omaha, NE-IA, where Centris Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Centris Federal Credit Union
1.00%APY
Minimum
—
Earns on $10,000 a year
$100
Advantage Money Market
Top rate
UMB Bank
3.71%APY
Minimum
—
Earns on $10,000 a year
$371
UMB Bank rates
2nd-highest rate
Cornhusker Bank
3.46%APY
Minimum
$100
Earns on $10,000 a year
$346
Cornhusker Bank rates

Compare savings rates near you →

84

Savings score

Higher than 67% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0001.00%
$100,000 balance$100,0002.00%
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 Centris Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

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

Certificate and Savings Bundle

3.50%APY

Requires opening a qualifying certificate with a 6-month minimum term ($500 minimum opening deposit). Savings account must be opened within 7 days of the certificate. Savings account opening deposit cannot exceed that of the certificate, and no additional deposits can be made into the savings account. Funds can be withdrawn at any time, but once withdrawn cannot be redeposited for the same rate unless a new certificate is opened. Account rate will adjust with the market.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceRate applies to any balance up to the matched qualifying certificate amount. Qualifying certificate with 6-month minimum term ($500 minimum opening deposit) required. Savings account must be opened within 7 days of certificate with opening deposit not exceeding that of certificate, and no additional deposits allowed.Any balance	3.50%	$350	Rate applies to any balance up to the matched qualifying certificate amount. Qualifying certificate with 6-month minimum term ($500 minimum opening deposit) required. Savings account must be opened within 7 days of certificate with opening deposit not exceeding that of certificate, and no additional deposits allowed.

Sources (3)

All captured Sep 18, 2026

Advantage Plus Money Market

0.00%APY

Earn tiered dividends with a $25,000 average daily balance. $15 monthly service fee waived if minimum daily balance is $25,000. Eligible for a variable relationship rate increase of 0.50% APY when maintaining a $25,000 minimum daily balance and a qualifying checking account with monthly direct deposit of $2,500 or more.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Monthly service fee of $15 waived if minimum daily balance is $25,000. Rate tier for balances $0.00 - $24,999.99.	0.00%	$0	Monthly service fee of $15 waived if minimum daily balance is $25,000. Rate tier for balances $0.00 - $24,999.99.
$25,000 – $100,000Monthly service fee of $15 waived if minimum daily balance is $25,000. Minimum balance to earn stated APY is $25,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.	1.50%	—	Monthly service fee of $15 waived if minimum daily balance is $25,000. Minimum balance to earn stated APY is $25,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.
$100,000 – $250,000Monthly service fee of $15 waived if minimum daily balance is $25,000. Minimum balance to earn stated APY is $100,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.	2.00%	—	Monthly service fee of $15 waived if minimum daily balance is $25,000. Minimum balance to earn stated APY is $100,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.
$250,000 – $500,000Monthly service fee of $15 waived if minimum daily balance is $25,000. Minimum balance to earn stated APY is $250,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.	2.25%	—	Monthly service fee of $15 waived if minimum daily balance is $25,000. Minimum balance to earn stated APY is $250,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.
$500,000 – $1,000,000Monthly service fee of $15 waived if minimum daily balance is $25,000. Minimum balance to earn stated APY is $500,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.	2.75%	—	Monthly service fee of $15 waived if minimum daily balance is $25,000. Minimum balance to earn stated APY is $500,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.
$1,000,000 and upMonthly service fee of $15 waived if minimum daily balance is $25,000. Minimum balance to earn stated APY is $1,000,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.	3.25%	—	Monthly service fee of $15 waived if minimum daily balance is $25,000. Minimum balance to earn stated APY is $1,000,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.

Sources (3)

All captured Sep 18, 2026

Advantage Money Market

1.00%APY

Earn tiered dividends with a $2,500 average daily balance. $15 monthly service fee waived if minimum daily balance is $2,500. Eligible for a variable relationship rate increase of 0.50% APY when maintaining a $2,500 minimum daily balance and a qualifying checking account with monthly direct deposit of $2,500 or more.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Monthly service fee of $15 waived if minimum daily balance is $2,500. Rate tier for balances $0.00 - $2,499.99.	0.00%	—	Monthly service fee of $15 waived if minimum daily balance is $2,500. Rate tier for balances $0.00 - $2,499.99.
$2,500 – $10,000Monthly service fee of $15 waived if minimum daily balance is $2,500. Minimum balance to earn stated APY is $2,500.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.	0.75%	—	Monthly service fee of $15 waived if minimum daily balance is $2,500. Minimum balance to earn stated APY is $2,500.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.
$10,000 – $25,000Monthly service fee of $15 waived if minimum daily balance is $2,500. Minimum balance to earn stated APY is $10,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.	1.00%	$100	Monthly service fee of $15 waived if minimum daily balance is $2,500. Minimum balance to earn stated APY is $10,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.
$25,000 – $50,000Monthly service fee of $15 waived if minimum daily balance is $2,500. Minimum balance to earn stated APY is $25,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.	1.25%	—	Monthly service fee of $15 waived if minimum daily balance is $2,500. Minimum balance to earn stated APY is $25,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.
$50,000 and upMonthly service fee of $15 waived if minimum daily balance is $2,500. Minimum balance to earn stated APY is $50,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.	1.50%	—	Monthly service fee of $15 waived if minimum daily balance is $2,500. Minimum balance to earn stated APY is $50,000.00. Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit.

Sources (3)

All captured Sep 18, 2026

Savings Account

0.10%APY$5 to open

No minimum balance or monthly service fees. Free withdrawals with no withdrawal limitations or fees. Minimum deposit of $5.00 required when opened online.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Minimum balance to earn stated APY is $0.01. Minimum deposit of $5.00 to open online.	0.10%	—	Minimum balance to earn stated APY is $0.01. Minimum deposit of $5.00 to open online.
$1,000 and upMinimum balance to earn stated APY is $1,000.00. Minimum deposit of $5.00 to open online.	0.10%	$10	Minimum balance to earn stated APY is $1,000.00. Minimum deposit of $5.00 to open online.

Sources (3)

All captured Sep 18, 2026

Special-purpose accounts

Club Account

0.20%APYClub$5 to open

Designed for special events. Choose account maturity date within a 12-month timeframe. Money automatically deposited into any savings or checking account chosen. Minimum deposit of $5.00 to open online.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0No minimum balance required to maintain account; $0.01 minimum balance to earn stated APY. Minimum opening deposit of $5.00 when opened online.Over $0	0.20%	$20	No minimum balance required to maintain account; $0.01 minimum balance to earn stated APY. Minimum opening deposit of $5.00 when opened online.

Sources (2)

All captured Sep 18, 2026

IRA Savings Account

0.20%APYIRA

Tax-advantaged savings option to prepare for retirement.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Minimum balance to earn stated APY is $0.01.	0.15%	—	Minimum balance to earn stated APY is $0.01.
$10,000 and upMinimum balance to earn stated APY is $10,000.00.	0.20%	$20	Minimum balance to earn stated APY is $10,000.00.

Sources (4)

All captured Sep 18, 2026

Rafferty Club Account

0.10%APYKids and teens$5 to open

Youth / kids savings account designed to teach young savers the importance of saving. Minimum deposit of $5.00 required when opening online.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Minimum balance to earn stated APY is $0.01. Minimum deposit of $5.00 to open online.	0.10%	—	Minimum balance to earn stated APY is $0.01. Minimum deposit of $5.00 to open online.
$1,000 and upMinimum balance to earn stated APY is $1,000.00. Minimum deposit of $5.00 to open online.	0.10%	$10	Minimum balance to earn stated APY is $1,000.00. Minimum deposit of $5.00 to open online.

Sources (3)

All captured Sep 18, 2026

Who can join Centris Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Persons who live, work, worship, or attend school in specified counties in Nebraska (Cass, Dodge, Douglas, Sarpy, Saunders, Lincoln, McPherson, Washington) or Iowa (Harrison, Mills, Pottawattamie) are eligible for membership.

Family and household

Relatives of existing Centris members are eligible for membership.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

How Centris Federal Credit Union’s savings rates compare

Centris Federal Credit Union savings score

Current savings rates

Certificate and Savings Bundle

Advantage Plus Money Market

Advantage Money Market

Savings Account

Special-purpose accounts

Club Account

IRA Savings Account

Rafferty Club Account

Who can join Centris Federal Credit Union

Where you live or work

Family and household