Rates

Deposit Rates

Checking and Savings (Effective December 8, 2022)

  • Your interest rate and annual percentage yield may change at any time, at our discretion.
  • Interest begins to accrue on the business day that you make your deposit and will accrue until the day of withdrawal.
  • Interest will be compounded and credited to your account as follows:

    • Century Checking Plus & 55 Plus Checking – Interest compounded and credited monthly.
    • Money Market Plus – Interest compounded and credited monthly.
    • Statement Savings – Interest compounded and credited quarterly.
    • If you close your checking or savings account before interest is credited, you will receive the accrued interest.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • Fees may reduce the earnings on the account.
Minimum Deposit to Open Minimum Daily Balance to Obtain APY* Interest Rate APY**
$300 $300 0.05% 0.05%

*Daily Balance (The amount of principal balance in the account each day).
**Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. Withdrawal of interest will reduce earnings.

Minimum Deposit to Open Minimum Daily Balance to Obtain APY* Interest Rate APY**
$50 $300 0.05% 0.05%

*Daily Balance (The amount of principal balance in the account each day).
**Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. Withdrawal of interest will reduce earnings.

Minimum Deposit to Open Minimum Daily Balance to Obtain APY* Interest Rate APY**
$50 $100 0.10% 0.10%

*Daily Balance (The amount of principal balance in the account each day).
**Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. Withdrawal of interest will reduce earnings.

Minimum Deposit to Open Minimum Daily Balance to Obtain APY* Interest Rate APY**
$1,500 $1,500 – $49,999.99 0.05% 0.05%
$50,000 – $99,999.99 0.10% 0.10%
$100,000+ 0.15% 0.15%

*Daily Balance (The amount of principal balance in the account each day).
**Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. Withdrawal of interest will reduce earnings.

Certificates of Deposit

Certificates of Deposit (Effective December 8, 2022)

  • Interest can accumulate for compounding or be withdrawn by interest check or transferred to another account at Century as follows:

    • 91 day and 6 month certificates – interest at maturity or optional monthly check or transfer
    • 9 month to 60 month certificates – interest at maturity, quarterly, or optional monthly check or transfer
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal each day.
  • Interest begins to accrue on the day of your deposit and will accrue until the day of withdrawal.
  • All certificates will automatically renew at maturity at the prevailing interest rate. You will have ten (10) calendar days after the maturity date to withdrawal funds without being charged a penalty.
  • After the certificate is opened, you may not make deposits or withdrawals other than earnings until the maturity date.
  • IRA certificates are available for terms of 12, 24 and 48 months.
  • If the deposit is withdrawn before the maturity date, a penalty as shown below will be imposed which could result in partial loss of principal.

    Term Early Withdrawal Penalty
    91 Day 30 days interest
    6 Month 90 days interest
    9 Month to 60 Month 180 days interest
Account Type Minimum to Open Interest Rate APY**
91 Day $500 0.05% 0.05%
6 Months $500 0.07% 0.07%
9 Months $500 0.10% 0.10%
12 Months $500 0.12% 0.12%
15 Months $500 0.15% 0.15%
18 Months $500 0.18% 0.18%
24 Months $500 0.20% 0.20%
30 Months $500 0.23% 0.23%
48 Months $500 0.25% 0.25%
60 Months $500 0.30% 0.30%

*Daily Balance (The amount of principal balance in the account each day).
**Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. Withdrawal of interest will reduce earnings.

Fee Schedule

Learn about fees associated with checking & savings accounts.

Fee Schedule
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Lending Rates

Our lending rates are constantly changing to keep up with the market. Please call your local branch to inquire about loan rates.

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