# Centris Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/centris-federal-credit-union
Institution: Centris Federal Credit Union (NCUA 28)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:31.000Z (October 22, 2026)
Official source: https://www.centrisfcu.org/certificates-and-investments/certificates/
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Certificate | standard | 6 months | $90,000 | 2.85% | Not ZIP-priced | −1.55% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Certificate | standard | 6 months | $500 | 2.75% | Not ZIP-priced | −1.65% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Jumbo Certificate | standard | 7 months | $90,000 | 3.35% | Not ZIP-priced | −1.08% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Certificate | standard | 7 months | $500 | 3.25% | Not ZIP-priced | −1.18% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Jumbo Certificate | standard | 9 months | $90,000 | 3.00% | Not ZIP-priced | −1.48% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Certificate | standard | 9 months | $500 | 2.90% | Not ZIP-priced | −1.58% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Jumbo Certificate | standard | 12 months | $90,000 | 3.10% | Not ZIP-priced | −1.47% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Certificate | standard | 12 months | $500 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Add-On Certificate | standard | 12 months | $100 | 0.25% | Not ZIP-priced | −4.32% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Jumbo Certificate | standard | 15 months | $90,000 | 3.20% | Not ZIP-priced | −1.45% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Certificate | standard | 15 months | $500 | 3.10% | Not ZIP-priced | −1.55% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Jumbo Certificate | standard | 18 months | $90,000 | 2.85% | Not ZIP-priced | −1.87% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Certificate | standard | 18 months | $500 | 2.75% | Not ZIP-priced | −1.97% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Jumbo Certificate | standard | 24 months | $90,000 | 2.85% | Not ZIP-priced | −2.02% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Certificate | standard | 24 months | $500 | 2.75% | Not ZIP-priced | −2.12% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Jumbo Certificate | standard | 36 months | $90,000 | 2.85% | Not ZIP-priced | −2.10% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Certificate | standard | 36 months | $500 | 2.75% | Not ZIP-priced | −2.20% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Jumbo Certificate | standard | 39 months | $90,000 | 2.85% | Not ZIP-priced | −2.11% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Certificate | standard | 39 months | $500 | 2.75% | Not ZIP-priced | −2.21% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Jumbo Certificate | standard | 48 months | $90,000 | 2.85% | Not ZIP-priced | −2.13% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Certificate | standard | 48 months | $500 | 2.75% | Not ZIP-priced | −2.23% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Jumbo Certificate | standard | 60 months | $90,000 | 2.85% | Not ZIP-priced | −2.16% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |
| Certificate | standard | 60 months | $500 | 2.75% | Not ZIP-priced | −2.26% | 2026-10-23T02:09:31.000Z | [Snapshot 836](https://apyledger.com/snapshots/836) |

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.