Bank · FDIC insured
Century Bank and Trust Savings Rates
Century Bank and Trust’s best savings rate is 0.02% APY on $10,000, with its Regular Savings. Rates checked October 16, 2026.
How Century Bank and Trust’s savings 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
0.02%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $2
Regular Savings
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Century Bank and Trust savings score
60
Savings score
Higher than 1% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.02%
- $100,000 balance$100,0000.02%
- QualifiedQualified0.02%
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 Century Bank and Trust 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.
Regular Savings
0.02%APY
Avoid $3.00 monthly maintenance fee by maintaining a minimum daily balance of $100. $3.00 excessive withdrawal charge for each withdrawal exceeding six in a four week or similar period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Fee waived with $100 minimum daily balance.Over $0 | 0.02% | $2 | Fee waived with $100 minimum daily balance. |
Sources (1)
- centurybankandtrust.com/bank/personal/savings · captured Oct 5, 2026
Special-purpose accounts
SEP IRA
Up to 4.80%APY · 2 terms
Rate effective 9/1/25. Contact for current rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| Unknown4.8% Variable APY. Required balance $0.01 or more | 4.80% | $0 |
| 18 months0.20% APY for 18 Month. Required balance $0.01 or more | 0.20% | $30 |
Sources (1)
- centurybankandtrust.com/bank/personal/iras · captured Oct 5, 2026
Coverdell Education Savings
Up to 4.07%APY · 2 terms
Rate effective 9/1/25. Contact for current rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| Unknown4.07% Variable APY. Required balance $0.01 or more | 4.07% | $0 |
| 18 months0.20% APY for 18 Month. Required balance $0.01 or more | 0.20% | $30 |
Sources (1)
- centurybankandtrust.com/bank/personal/iras · captured Oct 5, 2026
Roth IRA
Up to 4.07%APY · 2 terms
Minimum Opening Deposit $500. Rate effective 9/1/25. Contact for current rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| Unknown4.07% Variable APY. Required balance $0.01 or more | 4.07% | $0 |
| 18 months0.20% APY for 18 Month. Required balance $0.01 or more | 0.20% | $30 |
Sources (1)
- centurybankandtrust.com/bank/personal/iras · captured Oct 5, 2026
Traditional IRA
Up to 4.07%APY · 2 terms
Minimum Opening Deposit $500. Rate effective 9/1/25. Contact for current rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| Unknown4.07% Variable APY. Required balance $0.01 or more | 4.07% | $0 |
| 18 months0.20% APY for 18 Month. Required balance $0.01 or more | 0.20% | $30 |
Sources (1)
- centurybankandtrust.com/bank/personal/iras · captured Oct 5, 2026
Health Savings Account
0.20%APY
Available to customers with high-deductible health insurance plans to pay for qualified medical expenses. Avoid $3.00 monthly maintenance fee by maintaining a minimum daily balance of $2,500.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Fee waived with $2,500 minimum daily balance.Over $0 | 0.20% | $20 | Fee waived with $2,500 minimum daily balance. |
Sources (1)
- centurybankandtrust.com/bank/personal/savings · captured Oct 5, 2026
Christmas Club Savings
0.02%APY
Save money over the entire year for holiday expenses. You pick the frequency and amount of your contributions. Withdrawals not permitted until the club payout date.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.02% | $2 |
Sources (1)
- centurybankandtrust.com/bank/personal/savings · captured Oct 5, 2026
Minor Saving
0.02%APY
Under 18 - custodian required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.02% | $2 |
Sources (1)
- centurybankandtrust.com/bank/personal/savings · captured Oct 5, 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.