Centier Bank CD Rates — October 2026
As of October 22, 2026, Centier Bank's highest tracked CD rate is 3.75% APY on an 8-month special CD ($1,000 minimum). That is 2.7 times the FDIC national average for 6-month CDs (1.39%).
Rates last changed .
Centier Bank CD rates
New-money personal CDs only, from 3 to 60 months with a $1,000 minimum. New money means funds not on deposit with Centier in the last 90 days. Renewal and existing-funds rates are outside this collection scope. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | New Money CD Special | $1,000 | 3.40% | −0.90% | Top 30% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | New Money CD Special | $1,000 | 3.40% | −1.00% | Top 51% of tracked 6-month CDs · Verified October 22, 2026 |
| 8 months | New Money CD Special | $1,000 | 3.75% | −0.70% | Verified October 22, 2026 |
| 12 months | New Money CD Special | $1,000 | 3.75% | −0.82% | Top 45% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | New Money CD Special | $1,000 | 3.00% | −1.72% | Top 70% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | New Money CD Special | $1,000 | 2.90% | −1.97% | Top 68% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | New Money CD Special | $1,000 | 2.65% | −2.30% | Top 71% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | New Money CD Special | $1,000 | 2.50% | −2.48% | Top 72% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | New Money CD Special | $1,000 | 2.50% | −2.51% | Top 75% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Centier Bank's best CD rates by term?
Centier Bank's best rate is 3.75% APY on 8 months, verified October 22, 2026.
- 3 mo3.40%
- 6 mo3.40%
- 8 mo3.75%
- 12 mo3.75%
- 18 mo3.00%
- 24 mo2.90%
- 36 mo2.65%
- 48 mo2.50%
- 60 mo2.50%
How much interest could a Centier Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$248.12 interest · $10,248.12 at maturity on $10,000.00.
3.75% APY · 8 months · New Money CD · Special · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $41.853.40% APY · New Money CD · Special | $83.713.40% APY · New Money CD · Special | $209.273.40% APY · New Money CD · Special | $418.533.40% APY · New Money CD · Special |
| 6 months | $84.523.40% APY · New Money CD · Special | $169.043.40% APY · New Money CD · Special | $422.613.40% APY · New Money CD · Special | $845.223.40% APY · New Money CD · Special |
| 8 months | $124.063.75% APY · New Money CD · Special | $248.123.75% APY · New Money CD · Special | $620.303.75% APY · New Money CD · Special | $1,240.593.75% APY · New Money CD · Special |
| 12 months | $187.503.75% APY · New Money CD · Special | $375.003.75% APY · New Money CD · Special | $937.503.75% APY · New Money CD · Special | $1,875.003.75% APY · New Money CD · Special |
| 18 months | $226.893.00% APY · New Money CD · Special | $453.783.00% APY · New Money CD · Special | $1,134.453.00% APY · New Money CD · Special | $2,268.913.00% APY · New Money CD · Special |
| 24 months | $294.202.90% APY · New Money CD · Special | $588.412.90% APY · New Money CD · Special | $1,471.022.90% APY · New Money CD · Special | $2,942.052.90% APY · New Money CD · Special |
| 36 months | $408.132.65% APY · New Money CD · Special | $816.252.65% APY · New Money CD · Special | $2,040.632.65% APY · New Money CD · Special | $4,081.272.65% APY · New Money CD · Special |
| 48 months | $519.062.50% APY · New Money CD · Special | $1,038.132.50% APY · New Money CD · Special | $2,595.322.50% APY · New Money CD · Special | $5,190.642.50% APY · New Money CD · Special |
| 60 months | $657.042.50% APY · New Money CD · Special | $1,314.082.50% APY · New Money CD · Special | $3,285.212.50% APY · New Money CD · Special | $6,570.412.50% APY · New Money CD · Special |
How Centier Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 243-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 18 of 26 tracked institutions with fresh 243-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Centier Bank (this institution)New Money CD · Special | 8 months | $1,000 | Branches in IN | 3.75% | October 22, 2026 |
| Centra Credit UnionShare Certificate · Relationship | 8 months | $500 | Membership required · branches in IN, NC, NY | 4.35% | October 22, 2026 |
| 1st Source BankCD Special · Promotional | 8 months | $500 | Branches in FL, IN, MI | 3.85% | October 22, 2026 |
| Civista Bank8 Month CD Special · Promotional | 8 months | $500 | Branches in IN, OH | 3.75% | October 22, 2026 |
| Frankenmuth Credit Union (highest tracked APY for this term)Livestock CD Special · Special | 8 months | $500 | Membership required · branches in MI | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 8 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.45% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
- New Money CD 60 months ($1,000+): added at 2.50%
- New Money CD 48 months ($1,000+): added at 2.50%
- New Money CD 36 months ($1,000+): added at 2.65%
- New Money CD 24 months ($1,000+): added at 2.90%
- New Money CD 18 months ($1,000+): added at 3.00%
- New Money CD 12 months ($1,000+): added at 3.75%
- New Money CD 8 months ($1,000+): added at 3.75%
- New Money CD 6 months ($1,000+): added at 3.40%
- New Money CD 3 months ($1,000+): added at 3.40%
- New Money CD 60 months ($1,000+): withdrawn (was 2.50%)
- New Money CD 48 months ($1,000+): withdrawn (was 2.50%)
- New Money CD 36 months ($1,000+): withdrawn (was 2.65%)
- New Money CD 24 months ($1,000+): withdrawn (was 2.90%)
- New Money CD 18 months ($1,000+): withdrawn (was 3.00%)
- New Money CD 12 months ($1,000+): withdrawn (was 3.75%)
- New Money CD 8 months ($1,000+): withdrawn (was 3.75%)
- New Money CD 6 months ($1,000+): withdrawn (was 3.40%)
- New Money CD 3 months ($1,000+): withdrawn (was 3.40%)
About Centier Bank
- Legal name
- Centier Bank
- Regulator ID
- FDIC 12854
- Headquarters
- Whiting, IN
- Available in
- IN
- Total assets
- $10.4 billion
- Also known as
- Website
- www.centier.com
Source: rates read from https://www.centier.com/personal/banking/cds. See the page text we read.
Frequently asked questions
What is the highest CD rate at Centier Bank?
Among the rates we track, 3.75% APY on an 8-month special CD, as of October 22, 2026.
What is the minimum deposit for a Centier Bank CD?
The lowest minimum we found is $1,000.
How does Centier Bank's best CD rate compare with Treasury yields?
3.75% APY is −0.70% versus the 8-month Treasury yield of 4.45% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.75% a good CD rate?
It is 2.7 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Centier Bank CDs insured?
Centier Bank is an FDIC-insured bank (FDIC 12854). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Centier Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Centier Bank's website and may change at any time. Confirm terms, minimums and eligibility with Centier Bank before opening an account. This page is not financial advice.