Rates as of 5/2/2025
Personal Checking, Savings and Money Market
|
Account Type
|
Min. Deposit to Open | Min. Daily Balance to Obtain APY | Fixed or Variable Rate | Interest Rate | APY* |
|---|---|---|---|---|---|
| Century Interest Checkinga, d, f | $100 | $0.01 | Variable5 | 0.01% | 0.01% |
| Century Platinum Checkinga, d | $100 | $1,000 | Variable5 | 0.00% | 0.00% |
| - | Over $1,000 | Variable5 | 0.01% | 0.01% | |
| High Performance Savingsa, e | $25 | $100 | Variable5 | 0.03% | 0.03% |
| Minor Savingsa, e | $25 | $25 | Variable5 | 0.03% | 0.03% |
| Liberty Savingsa, e, g | $2,000 | $2,000 | Variable5 | 1.9803% | 2.00% |
| High Performance Money Marketa, d, f | $5,000 | $1,000 | Variable5 | 0.01% | 0.01% |
| - | $10,000 | Variable5 | 0.01% | 0.01% | |
| - | $25,000 | Variable5 | 0.02% | 0.02% | |
| - | $50,000 | Variable5 | 0.02% | 0.02% | |
| - | $100,000 | Variable5 | 0.03% | 0.03% | |
| Liberty Money Marketa, c, d, f | $15,000 | $1,000 | Variable5 | 1.98% | 2.00% |
| $50,000 | Variable5 | 2.23% | 2.25% | ||
| $150,000 | Variable5 | 2.27% | 2.30% |
Business Checking, Savings and Money Market
|
Account Type
|
Min. Deposit to Open | Min. Daily Balance to Obtain APY | Fixed or Variable Rate | Interest Rate | APY* |
|---|---|---|---|---|---|
| Business Plus Interesta, b, d, f, | $500 | $5,000 | Variable5 | 0.01% | 0.01% |
| Business High Performance Savingsa, d, f | $25 | $100 | Variable5 |
0.03%
|
0.03% |
| Business High Performance Money Marketa, d, f | $5,000 | $1,000 | Variable5 | 0.01% | 0.01% |
| - | $10,000 | Variable5 | 0.01% | 0.01% | |
| - | $25,000 | Variable5 | 0.02% | 0.02% | |
| - | $50,000 | Variable5 | 0.02% | 0.02% | |
| - | $100,000 | Variable5 | 0.03% | 0.03 | |
| Business Liberty Money Market a,c,d,f | $20,000 | $1,000 | Variable5 | 1.49% | 1.50% |
| - | $50,000 | Variable5 | 1.73% | 1.75% | |
| - | $250,000 | Variable5 | 2.23% | 2.25% |
*APY means Annual Percentage Yield.
a Account Closure Fee of $25 will be assessed if the account is closed within the first 90 days. If an account is closed before statement cutoff date, interest earned for that cycle is forfeited.
b First ten bill payments each statement cycle are provided at no charge. Each additional bill payment during the statement cycle will be $.40.
c Personal Account – must have a CB checking account with at least one Direct Deposit. Business Account – must have CB Business Checking with at least 15 transactions or be enrolled for Treasury Services.
d Interest is calculated on collected daily balance, compounded daily and credited monthly. Fees may reduce earnings.
e Interest is calculated on collected daily balance, compounded daily and credited quarterly. Fees may reduce earnings.
f Complimentary E-statements. Paper statements are available with a $5 monthly fee.
g Qualifications – maintain or open a consumer CB checking account with at least one reoccurring monthly payroll or direct deposit from an outside source of at least $500 to obtain the stated APY. See checking terms & conditions that may apply.
a Account Closure Fee of $25 will be assessed if the account is closed within the first 90 days. If an account is closed before statement cutoff date, interest earned for that cycle is forfeited.
b First ten bill payments each statement cycle are provided at no charge. Each additional bill payment during the statement cycle will be $.40.
c Personal Account – must have a CB checking account with at least one Direct Deposit. Business Account – must have CB Business Checking with at least 15 transactions or be enrolled for Treasury Services.
d Interest is calculated on collected daily balance, compounded daily and credited monthly. Fees may reduce earnings.
e Interest is calculated on collected daily balance, compounded daily and credited quarterly. Fees may reduce earnings.
f Complimentary E-statements. Paper statements are available with a $5 monthly fee.
g Qualifications – maintain or open a consumer CB checking account with at least one reoccurring monthly payroll or direct deposit from an outside source of at least $500 to obtain the stated APY. See checking terms & conditions that may apply.
5 Variable rates may be changed at the Bank's discretion, at any time without limitation or notice.
Certificates of Deposit
|
Term
|
Min. Deposit to Open | Min. Daily Balance to Obtain APY | Fixed or Variable Rate | Interest Rate | APY* |
|---|---|---|---|---|---|
| 90 Day1,2 | $1,000 | $1,000 | Fixed | 1.50% | 1.51% |
| 182 Day1,2 | $1,000 | $1,000 | Fixed | 2.75% | 2.77% |
| 1 Year1,2 | $1,000 | $1,000 | Fixed | 2.50% | 2.50% |
| 2 Year1,2 | $1,000 | $1,000 | Fixed | 2.25% | 2.25% |
| 3 Year1,2 | $1,000 | $1,000 | Fixed | 1.75% | 1.75% |
| 4 Year1,2 | $1,000 | $1,000 | Fixed | 1.75% | 1.75% |
| 5 Year1,2 | $1,000 | $1,000 | Fixed | 1.75% | 1.75% |
Retirement Accounts 4
|
Term
|
Min. Deposit to Open | Min. Daily Balance to Obtain APY | Fixed or Variable Rate | Interest Rate | APY* |
|---|---|---|---|---|---|
| 1 Year | $1,000 | $1,000 | Fixed | 2.50% | 2.52% |
| 2 Year | $1,000 | $1,000 | Fixed | 2.25% | 2.27% |
| 3 Year | $1,000 | $1,000 | Fixed | 1.75% | 1.76% |
| 4 Year | $1,000 | $1,000 | Fixed | 1.75% | 1.76% |
| 5 Year | $1,000 | $1,000 | Fixed | 1.75% | 1.76% |
| Market IRAd,6 | $100 | $100 | Variable5 | 0.50% | 0.50% |
*APY means Annual Percentage Yield.
1 Our normal practice is to compound Interest at maturity if the term is one year or less. If the term is greater than one year, interest is compounded annually. Customers may elect to receive an interest check or interest transfer quarterly or monthly. When the customer elects to receive an interest check or interest transfer, interest is not compounded. The grace period for withdrawal without a penalty is 10 calendar days after the maturity date.
2 If the Certificate is withdrawn during the grace period, interest is earned and paid until the withdrawal date. Certificates of Deposit automatically renew. Interest rate offered at the time of renewal is the rate at which the Certificate will renew. APY assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. If withdrawal is made before maturity on a CD with a term greater than 1-year, a penalty of 360 days interest may be assessed on the amount withdrawn. If a withdrawal is made before maturity on a CD with a term of 1 year or less, a penalty of 180 days interest may be assessed on the amount withdrawn. Additional deposits to fixed term accounts are not allowed before maturity.
3 Interest is compounded quarterly and credited quarterly.
4 Withdrawals made before age 59 ½ may be assessed a 10% penalty by the IRS. Consult a tax advisor regarding tax consequences.
5 Variable rates may be changed at the Bank's discretion, at any time without limitation or notice.
6 Contributions may be made at any time. Minimum deposit is $50.
1 Our normal practice is to compound Interest at maturity if the term is one year or less. If the term is greater than one year, interest is compounded annually. Customers may elect to receive an interest check or interest transfer quarterly or monthly. When the customer elects to receive an interest check or interest transfer, interest is not compounded. The grace period for withdrawal without a penalty is 10 calendar days after the maturity date.
2 If the Certificate is withdrawn during the grace period, interest is earned and paid until the withdrawal date. Certificates of Deposit automatically renew. Interest rate offered at the time of renewal is the rate at which the Certificate will renew. APY assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. If withdrawal is made before maturity on a CD with a term greater than 1-year, a penalty of 360 days interest may be assessed on the amount withdrawn. If a withdrawal is made before maturity on a CD with a term of 1 year or less, a penalty of 180 days interest may be assessed on the amount withdrawn. Additional deposits to fixed term accounts are not allowed before maturity.
3 Interest is compounded quarterly and credited quarterly.
4 Withdrawals made before age 59 ½ may be assessed a 10% penalty by the IRS. Consult a tax advisor regarding tax consequences.
5 Variable rates may be changed at the Bank's discretion, at any time without limitation or notice.
6 Contributions may be made at any time. Minimum deposit is $50.
Interest is paid on a 365/365 daily basis except in a leap year where a 366/365 day is used. Please refer to the "Account Agreement & Disclosures" for further information. Please refer to the various deposit account brochures for complete details on all accounts. Please refer to the Bank Fee Schedule for a detailed listing of fees.
Contact a Century Bank representative for more information about our accounts, fees, terms and conditions.
Century Checking
Our simplest account! This account can be yours with no monthly service fees if you enroll for Century Bank eStatements.
