Bank · FDIC insured
Century Bank and Trust CD Rates
A $494M bank headquartered in Coldwater, MI, with 10 branches in Michigan.
How Century Bank and Trust’s CD rates compare
Compared with banks and credit unions near Coldwater, MI, where Century Bank and Trust has the most branches. $10,000, best rate first.
This bank’s best
Century Bank and Trust
0.20%APY
- Term
- 18 months
- Minimum
- $0.01
- Earns on $10,000
- $30
Coverdell Educational Savings Account
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
SEP IRA
Up to 4.80%APY · 2 terms
Early withdrawals may be subject to penalty, additional fees, and taxes.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownVariable rate; rates may change before and after an account is opened | 4.80% | $0 |
| 18 monthsA penalty may be applied for early withdrawal | 0.20% | $30 |
Sources (1)
- centurybankandtrust.com/bank/personal/iras · captured Oct 16, 2026
Coverdell Educational Savings Account
Up to 4.07%APY · 2 terms
Can be opened by a custodian for anyone under the age of 18. Must only be used for Educational purposes. Early withdrawals may be subject to penalty, additional fees, and taxes.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownVariable rate; rates may change before and after an account is opened | 4.07% | $0 |
| 18 monthsA penalty may be applied for early withdrawal | 0.20% | $30 |
Sources (1)
- centurybankandtrust.com/bank/personal/iras · captured Oct 16, 2026
Roth IRA
Up to 4.07%APY · 2 terms
Deposits must be left in for minimum of 5 years to avoid a penalty. Taxes are paid on deposits. No minimum distributions are required. Early withdrawals may be subject to penalty, additional fees, and taxes.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownVariable rate; rates may change before and after account opening | 4.07% | $0 |
| 18 monthsA penalty may be applied for early withdrawal | 0.20% | $30 |
Sources (1)
- centurybankandtrust.com/bank/personal/iras · captured Oct 16, 2026
Traditional IRA
Up to 4.07%APY · 2 terms
No penalty for distribution if you are age 59 1/2 or better. Required minimum distribution for anyone age 73 or better. Contributions to your Traditional IRA may be tax-deductible. Early withdrawals may be subject to additional fees and taxes.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownVariable rate; rates may change before and after an account is opened | 4.07% | $0 |
| 18 monthsA penalty may be applied for early withdrawal | 0.20% | $30 |
Sources (1)
- centurybankandtrust.com/bank/personal/iras · captured Oct 16, 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.