APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
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Source: https://www.centra.org/deposit-rates/
Read: 2026-10-22T16:21:21.000Z

Deposit Rates | Centra | Indiana Savings Accounts Home / Deposit Rates
Share Certificates | IRA Certificates | HSA Tiered Checking | Savings | High Interest Money Market Savings | High Interest Checking | Business & Public Funds Premium Money Market Savings | Business Rates | Other Accounts | HSA Money Market Savings | Premium Money Market Checking | Money Market & Classic Plus Savings
Product/Term | Minimum Deposit | Dividend | APY*
7 Day | $500 $100,000 | 0.80% 0.85% | 0.80% 0.85%
3 Month | $500 $100,000 | 0.85% 0.90% | 0.85% 0.90%
4 Month | $500 $100,000 | 0.95% 1.00% | 0.95% 1.00%
6 Month | $500 $100,000 | 1.54% 1.59% | 1.55% 1.60%
8 Month w/checking 2 | $500 | 4.27% | 4.35%
10 Month | $500 $100,000 | 1.64% 1.69% | 1.65% 1.70%
12 Month | $500 $100,000 | 1.69% 1.74% | 1.70% 1.75%
18 Month | $500 $100,000 | 1.79% 1.83% | 1.80% 1.85%
24 Month | $500 $100,000 | 3.93% 4.07% | 4.00% 4.15%
30 Month | $500 $100,000 | 1.88% 1.93% | 1.90% 1.95%
3 Year | $500 $100,000 | 1.98% 2.03% | 2.00% 2.05%
4 Year | $500 $100,000 | 2.03% 2.08% | 2.05% 2.10%
5 Year | $500 $100,000 | 2.08% 2.13% | 2.10% 2.15%
Product/Term | Minimum Deposit | Dividend | APY*
8 Month w/checking 2 | $500 | 4.27% | 4.35%
12 Month | $500 | 1.69% | 1.70%
18 Month | $500 | 1.79% | 1.80%
2 Year | $500 | 3.93% | 4.00%
3 Year | $500 | 1.98% | 2.00%
4 Year | $500 | 2.03% | 2.05%
5 Year | $500 | 2.08% | 2.10%
Tier | Dividend Rate | APY*
$0 - $499 | 0.60% | 0.60%
$500 - $999 | 1.09% | 1.10%
$1,000 - $4,999 | 1.34% | 1.35%
$5,000 - $14,999 | 1.59% | 1.60%
$15,000+ | 1.83% | 1.85%
Tier | Dividend | APY*
$0-40,000 | 4.27% | 4.35%
$40,000.01+ | 3.44% | 3.50%
Product | Dividend | APY*
Membership Savings | 0.10% | 0.10%
Christmas Club | 0.10% | 0.10%
You Choose Savings | 0.10% | 0.10%
IRA Savings | 0.10% | 0.10%
Opportunity | 0.10% | 0.10%
Tier | Dividend Rate | APY*
$0 - $24,999 | 1.34% | 1.35%
$25,000 - $49,999 | 1.39% | 1.40%
$50,000 - $249,999 | 1.44% | 1.45%
$250,000 - $499,999 | 1.59% | 1.60%
$500,000 - $999,999 | 2.08% | 2.10%
$1,000,000 - $2,999,999 | 3.15% | 3.20%
$3,000,000+ | 3.30% | 3.35%
Tier | Dividend Rate | APY*
$0 - $1,000 | 2.96% | 3.00%
$1,000.01 - $5,000 | 1.49% | 1.50%
$5,000.01+ | 0.20% | 0.20%
Tier | Dividend Rate | APY*
$7,500 - $49,999 | 1.39% | 1.40%
$50,000 - $249,999 | 1.44% | 1.45%
$250,000 - $999,999 | 2.08% | 2.10%
$1,000,000 - $2,999,999 | 3.15% | 3.20%
$3,000,000 - $4,999,999 | 3.30% | 3.35%
$5,000,000 - $9,999,999 | Call for rate | Call for rate
$10,000,000 + | Call for rate | Call for rate
Product | Dividend Rate | APY*
Business Savings | 0.10% | 0.10%
Business Special Savings | 0.10% | 0.10%
Business Savings Escrow | 0.10% | 0.10%
Product | Dividend | APY*
Advantage Checking^ | 0.10% | 0.10%
Freedom 18 Month^ | 0.10% | 0.10%
Freedom 18 Month IRA^ | 0.10% | 0.10%
Tier | Dividend Rate | APY*
$2,500 - $4,999^ | 0.15% | 0.15%
$5,000 - $9,999^ | 0.30% | 0.30%
$10,000 - $24,999^ | 0.40% | 0.40%
$25,000 - $49,999^ | 0.40% | 0.40%
$50,000+^ | 0.40% | 0.40%
Tier | Dividend Rate | APY*
$1,000 - $9,999^ | 0.10% | 0.10%
$10,000 - $24,999^ | 0.15% | 0.15%
$25,000 - $49,999^ | 0.20% | 0.20%
$50,000+^ | 0.30% | 0.30%
Tier | Dividend Rate | APY*
$0 - $999^ | 0.10% | 0.10%
$1,000 - $4,999^ | 0.15% | 0.15%
$5,000 - $14,999^ | 0.25% | 0.25%
$15,000 - $24,999^ | 0.40% | 0.40%
$25,000 - $49,999^ | 0.65% | 0.65%
$50,000+^ | 0.85% | 0.85%
* APY=Annual Percentage Yield. APY assumes all principal and dividends remain on deposit for the entire term. Dividend rate on non-term products may change after account is opened. Fees could reduce earnings on the account. Penalty will be assessed for early withdrawal of certificate. Deposits in excess of $1,000,000 will require a special rate quote which may differ from posted rates.
3. Must meet qualifiers to receive special rate. If qualifiers are not met, member will earn 0.10% and a monthly fee of $5.00 will be charged on the last business day of the month. If you qualified for the higher interest rate by meeting the minimum qualification requirements of monthly direct deposit and monthly eStatement:
Tier 1 – A dividend rate of 2.96% will be paid only on the portion of your daily balance that is greater than $.00, but less than $1,000.01. The annual percentage yield (APY) for this tier will be 3.00%.
Tier 2 – A dividend rate of 1.49% will be paid only on the portion of your daily balance that is greater than or equal to $1,000.01, but less than or equal to $5,000.00. The annual percentage yield (APY) for this tier will range from 1.80% to 3.00%, depending on the balance in the account.
Tier 3 – A dividend rate of 0.20% will be paid only on the portion of your daily balance that is greater than $5,000.00. The annual percentage yield (APY) for this tier will range from 0.20% to 1.80%, depending on the balance in the account.
If you did not qualify for the higher interest rate by meeting the minimum qualification requirements of monthly direct deposit and monthly eStatement: As of the last dividend declaration date, the dividend rate was 0.10% with an annual percentage yield of 0.10%.