# Centra Credit Union CD and share certificate rates

As of October 22, 2026, Centra Credit Union's highest tracked CD (share certificate) rate is 4.35% APY on an 8-month relationship CD ($500 minimum). That is 3.1 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.80% to 4.15% APY.

Canonical page: https://apyledger.com/cd-rates/centra-credit-union
Institution: Centra Credit Union (NCUA 68287)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:21.000Z (October 22, 2026)
Official source: https://www.centra.org/deposit-rates/
Coverage: Membership required. Certificates from 7 days to 5 years with $500 and $100,000 tiers; the 8-month rate requires an active Centra checking account. Freedom and IRA certificates are excluded. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 7 days | $100,000 | 0.85% | Not ZIP-priced | −3.28% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 7 days | $500 | 0.80% | Not ZIP-priced | −3.33% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 3 months | $100,000 | 0.90% | Not ZIP-priced | −3.40% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 3 months | $500 | 0.85% | Not ZIP-priced | −3.44% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 4 months | $100,000 | 1.00% | Not ZIP-priced | −3.39% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 4 months | $500 | 0.95% | Not ZIP-priced | −3.44% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 6 months | $100,000 | 1.60% | Not ZIP-priced | −2.80% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 6 months | $500 | 1.55% | Not ZIP-priced | −2.85% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | relationship | 8 months | $500 | 4.35% | Not ZIP-priced | −0.10% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 10 months | $100,000 | 1.70% | Not ZIP-priced | −2.81% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 10 months | $500 | 1.65% | Not ZIP-priced | −2.86% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 12 months | $100,000 | 1.75% | Not ZIP-priced | −2.82% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 12 months | $500 | 1.70% | Not ZIP-priced | −2.87% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 18 months | $100,000 | 1.85% | Not ZIP-priced | −2.87% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 18 months | $500 | 1.80% | Not ZIP-priced | −2.92% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 24 months | $100,000 | 4.15% | Not ZIP-priced | −0.72% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 24 months | $500 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 30 months | $100,000 | 1.95% | Not ZIP-priced | −2.96% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 30 months | $500 | 1.90% | Not ZIP-priced | −3.01% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 36 months | $100,000 | 2.05% | Not ZIP-priced | −2.90% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 36 months | $500 | 2.00% | Not ZIP-priced | −2.95% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 48 months | $100,000 | 2.10% | Not ZIP-priced | −2.88% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 48 months | $500 | 2.05% | Not ZIP-priced | −2.93% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 60 months | $100,000 | 2.15% | Not ZIP-priced | −2.86% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |
| Share Certificate | standard | 60 months | $500 | 2.10% | Not ZIP-priced | −2.91% | 2026-10-22T16:21:21.000Z | [Snapshot 327](https://apyledger.com/snapshots/327) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.