Centris Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Centris Federal Credit Union's highest tracked CD (share certificate) rate is 3.35% APY on a 7-month CD ($90,000 minimum). That is 2.4 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.25% to 3.35% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.25% on 7 months
Centris Federal Credit Union CD & share certificate rates
Membership required. Certificates from 6 to 60 months ($500 minimum), including a 39-month Jump Up certificate, and $90,000 jumbo certificates. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Jumbo Certificate | $90,000 | 2.85% | −1.55% | Top 71% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate | $500 | 2.75% | −1.65% | Top 73% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | Jumbo Certificate | $90,000 | 3.35% | −1.08% | Verified October 22, 2026 |
| 7 months | Certificate | $500 | 3.25% | −1.18% | Verified October 22, 2026 |
| 9 months | Jumbo Certificate | $90,000 | 3.00% | −1.48% | Top 80% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Certificate | $500 | 2.90% | −1.58% | Top 80% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Jumbo Certificate | $90,000 | 3.10% | −1.47% | Top 66% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate | $500 | 3.00% | −1.57% | Top 72% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Add-On Certificate | $100 | 0.25% | −4.32% | Top 96% of tracked 12-month CDs · Verified October 22, 2026 |
| 15 months | Jumbo Certificate | $90,000 | 3.20% | −1.45% | Verified October 22, 2026 |
| 15 months | Certificate | $500 | 3.10% | −1.55% | Verified October 22, 2026 |
| 18 months | Jumbo Certificate | $90,000 | 2.85% | −1.87% | Top 68% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate | $500 | 2.75% | −1.97% | Top 71% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Jumbo Certificate | $90,000 | 2.85% | −2.02% | Top 65% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate | $500 | 2.75% | −2.12% | Top 70% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Jumbo Certificate | $90,000 | 2.85% | −2.10% | Top 64% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate | $500 | 2.75% | −2.20% | Top 67% of tracked 36-month CDs · Verified October 22, 2026 |
| 39 months | Jumbo Certificate | $90,000 | 2.85% | −2.11% | Verified October 22, 2026 |
| 39 months | Certificate | $500 | 2.75% | −2.21% | Verified October 22, 2026 |
| 48 months | Jumbo Certificate | $90,000 | 2.85% | −2.13% | Top 58% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate | $500 | 2.75% | −2.23% | Top 63% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Jumbo Certificate | $90,000 | 2.85% | −2.16% | Top 63% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate | $500 | 2.75% | −2.26% | Top 65% 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 Centris Federal Credit Union's best CD rates by term?
Centris Federal Credit Union's best rate is 3.35% APY on 7 months, verified October 22, 2026.
- 6 mo2.85%
- 7 mo3.35%
- 9 mo3.00%
- 12 mo3.10%
- 15 mo3.20%
- 18 mo2.85%
- 24 mo2.85%
- 36 mo2.85%
- 39 mo2.85%
- 48 mo2.85%
- 60 mo2.85%
How much interest could a Centris Federal Credit Union 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.
$188.39 interest · $10,188.39 at maturity on $10,000.00.
3.25% APY · 7 months · Certificate · Standard · 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 |
|---|---|---|---|---|
| 6 months | $68.472.75% APY · Certificate · Standard | $136.942.75% APY · Certificate · Standard | $342.362.75% APY · Certificate · Standard | $684.722.75% APY · Certificate · Standard |
| 7 months | $94.203.25% APY · Certificate · Standard | $188.393.25% APY · Certificate · Standard | $470.983.25% APY · Certificate · Standard | $941.973.25% APY · Certificate · Standard |
| 9 months | $108.462.90% APY · Certificate · Standard | $216.922.90% APY · Certificate · Standard | $542.302.90% APY · Certificate · Standard | $1,084.602.90% APY · Certificate · Standard |
| 12 months | $150.003.00% APY · Certificate · Standard | $300.003.00% APY · Certificate · Standard | $750.003.00% APY · Certificate · Standard | $1,500.003.00% APY · Certificate · Standard |
| 15 months | $194.393.10% APY · Certificate · Standard | $388.773.10% APY · Certificate · Standard | $971.933.10% APY · Certificate · Standard | $1,943.863.10% APY · Certificate · Standard |
| 18 months | $207.862.75% APY · Certificate · Standard | $415.712.75% APY · Certificate · Standard | $1,039.282.75% APY · Certificate · Standard | $2,078.552.75% APY · Certificate · Standard |
| 24 months | $278.782.75% APY · Certificate · Standard | $557.562.75% APY · Certificate · Standard | $1,393.912.75% APY · Certificate · Standard | $2,787.812.75% APY · Certificate · Standard |
| 36 months | $423.952.75% APY · Certificate · Standard | $847.902.75% APY · Certificate · Standard | $2,119.742.75% APY · Certificate · Standard | $4,239.482.75% APY · Certificate · Standard |
| 39 months | $460.762.75% APY · Certificate · Standard | $921.512.75% APY · Certificate · Standard | $2,303.792.75% APY · Certificate · Standard | $4,607.572.75% APY · Certificate · Standard |
| 48 months | $573.112.75% APY · Certificate · Standard | $1,146.212.75% APY · Certificate · Standard | $2,865.532.75% APY · Certificate · Standard | $5,731.062.75% APY · Certificate · Standard |
| 60 months | $726.372.75% APY · Certificate · Standard | $1,452.732.75% APY · Certificate · Standard | $3,631.832.75% APY · Certificate · Standard | $7,263.672.75% APY · Certificate · Standard |
How Centris Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 213-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 68 of 88 tracked institutions with fresh 213-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 |
|---|---|---|---|---|---|
| Centris Federal Credit Union (this institution)Jumbo Certificate · Standard | 7 months | $90,000 | Membership required · branches in IA, NE | 3.35% | October 22, 2026 |
| Associated Bank7 month CD special · Promotional | 7 months | $5,000 | Branches in IA, IL, MN, MO, NE, WI | 4.25% | October 22, 2026 |
| Cornhusker BankCertificate of Deposit · Standard | 7 months | $1,000 | Branches in NE | 3.98% | October 22, 2026 |
| EverBankEverBank Performance® CDs · Standard | 7 months | Not stated | Available nationwide | 3.60% | October 22, 2026 |
| First Bank of the Lake (highest tracked APY for this term)CD · Standard | 7 months | $1,000 | Branches in MO | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 7 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.43% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Centris Federal Credit Union on October 22, 2026.
About Centris Federal Credit Union
- Legal name
- Centris Federal Credit Union
- Regulator ID
- NCUA 28
- Headquarters
- Omaha, NE
- Available in
- IA, NE
- Total assets
- $1.5 billion
- Also known as
- Website
- www.centrisfcu.org
Source: rates read from https://www.centrisfcu.org/certificates-and-investments/certificates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Centris Federal Credit Union?
Among the rates we track, 3.35% APY on a 7-month CD, as of October 22, 2026.
What is the minimum deposit for a Centris Federal Credit Union CD?
The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $90,000.
How does Centris Federal Credit Union's best CD rate compare with Treasury yields?
3.35% APY is −1.08% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.35% a good CD rate?
It is 2.4 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 Centris Federal Credit Union CDs insured?
Centris Federal Credit Union is a federally insured credit union (NCUA 28). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Centris Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Centris Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Centris Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Centris Federal Credit Union before opening an account. This page is not financial advice.