Certificates

A certificate account is a great way to make your money grow in either the short- or long-term. Plus, you can deposit the interest your certificate accrues to your Member Loyalty Account! Your interest will continue to grow for however long you leave it in your MLA. Give us a call at 800-232-3642 or visit your nearest Centra location to set it up.

Certificate accounts at Centra are fixed-rate, fixed-term investments that offer competitive dividends and guaranteed security*.  You can choose between a variety of term lengths (from 7 days to 5 years) to meet your personal financial needs.

*APY= Annual Percentage Yield. A minimum initial certificate balance of $500 is required to receive the advertised rate. The rate is effective as of December 21, 2023. This offer is only available for a limited time and is subject to change without notice. Early withdrawal penalties may apply and could reduce earnings. Deposits more than $1,000,000 require a special rate quote. This product renews into a standard 48-month share certificate at maturity. Businesses and individuals are eligible. This special is also available as an IRA certificate with a $500 minimum initial balance to receive the advertised rate.