Bank · FDIC insured
Century Bank CD Rates
Century Bank’s best CD rate is 3.15% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Century Bank’s CD rates compare
Compared with banks and credit unions near Santa Fe, NM, where Century Bank has the most branches. $10,000, best rate first.
This bank’s best
Century Bank
3.70%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $339
Certificate of Deposit Specials
Top rate
Del Norte Credit Union
5.18%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $562
2nd-highest rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
Century Bank CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo2.90%
- 16–30 months16–30 mo2.65%
- 31–60 months31–60 mo2.15%
- QualifiedQualified3.70%
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 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 Specials
Up to 3.70%APY · 3 terms
Requires opening or maintaining an existing Century Bank checking account ($25 opening deposit for Century Checking, $5/mo for paper statements or no charge for eStatements). Promotional rates cannot be combined with other offers. Early withdrawal penalty applies. Daily balance of $1,000 required to obtain stated APY ($5,000 for 3 Month CD). At maturity, 7-month CD renews into 182-day CD, 11-month CD renews into 12-month CD, and 3-month CD renews into 90 Day Classic CD. No public funds. Personal CDs have no maximum deposit; business CDs limited to $200,000.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsMust be new money from an external source on day of opening. Must maintain or open a Century Bank checking account ($25 opening deposit for Century Checking, $5/mo paper statement or no charge for e-statements). At maturity, renews into a 90 Day Classic CD. APY accurate as of 9.24.26 | — | 3.65% | 3.65% | $90 |
| 7 monthsMust open or own an existing Century Bank personal checking account. Daily balance of $1,000 required to obtain stated APY. Interest credited at maturity and not compounded. Renews into 182-day CD at maturity. Rates effective as of 9/24/2026 | 3.50% | — | 3.50% | $203 |
| 7 monthsMust own or maintain an existing Century Bank personal checking account ($25 opening deposit for Century Checking, $5/mo paper statement or no charge for e-statements). At maturity, renews into a 182-day CD. APY accurate as of 4.16.26 | 3.50% | — | 3.50% | $203 |
| 11 monthsMust open or own an existing Century Bank personal checking account. Daily balance of $1,000 required to obtain stated APY. Interest credited at maturity and not compounded. Renews into 12-month CD at maturity. Rates effective as of 9/24/2026 | 3.70% | — | 3.70% | $339 |
| 11 monthsMust own or maintain an existing Century Bank personal checking account ($25 opening deposit for Century Checking, $5/mo paper statement or no charge for e-statements). At maturity, renews into a 12-month CD. APY accurate as of 4.16.26 | 3.70% | — | 3.70% | $339 |
Personal Certificates of Deposit
Up to 3.15%APY · 7 terms
$1,000 minimum opening deposit ($0 min daily balance to avoid fee). Automatically renews at maturity for the same term. Early withdrawal penalties apply. Interest compounded at maturity if 1 year or less; compounded annually if greater than 1 year. Rates effective as of 10/16/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.90% | $47 |
| 6 months | 3.15% | $156 |
| 12 months | 2.90% | $290 |
| 24 months | 2.65% | $537 |
| 36 months | 2.15% | $659 |
| 48 months | 2.15% | $888 |
| 60 months | 2.15% | $1,122 |
Special-purpose accounts
Fixed Term IRA CD
Up to 2.93%APY · 5 terms
Traditional or Roth IRAs. Fixed-rate retirement certificate with terms from 1 to 5 years. Automatically renewed at maturity for the same term. Additional contributions permitted at maturity. Interest is compounded and credited quarterly. Early withdrawal before age 59 1/2 may incur a 10% IRS penalty. $2 monthly service fee stated on overview page. Rates effective as of 10/16/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsInterest is compounded quarterly and credited quarterly | 2.93% | $293 |
| 24 monthsInterest is compounded quarterly and credited quarterly | 2.68% | $543 |
| 36 monthsInterest is compounded quarterly and credited quarterly | 2.17% | $665 |
| 48 monthsInterest is compounded quarterly and credited quarterly | 2.17% | $897 |
| 60 monthsInterest is compounded quarterly and credited quarterly | 2.17% | $1,133 |
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.