Savings Accounts

When saving, you want to get the most out of your money.  Centennial offers competitive rates and easy access to your account to give you the options and flexibility needed for your specific needs.

At Centennial Bank, your money can earn more! Your investment portfolio can be diversified—globally and domestically. Your personal savings accounts can be easily managed—online and on the phone. Quite simply, we deliver value-added opportunities for you to save, grow, and manage your money. Click here for a printable brochure of our different Savings Accounts.


Personal Savings Products


  Personal Savings First Account
Kids Account for customers age 18 or under
Christmas Club Savings
What is the Minimum Amount to Open? $100 $10 No Minimum to Open
What is the Minimum Daily Balance to Avoid a Service Charge? $100 No Minimum No Minimum; automatic annual payment will not be disbursed if balance is less than $25 at the time of the disbursement.
What is My Monthly Service Charge? $3 if balance falls below $100 No Monthly Service Charge No Monthly Service Charge
Is There a Limit on the Number of Transactions Per Month? Limit of 3 Withdrawals Per Month. $1 Service Charge for each withdrawal in excess of 3 per month. Limit of 3 Withdrawals Per Month. $1 Service Charge for each withdrawal in excess of 3 per month. Limit of 6 Withdrawals Per Month. $5 Service Charge for each withdrawal prior to Annual Payout.
Do I Earn Interest? Yes Yes Yes
What Other Benefits Do I Receive? Account can be tied to any Checking Account for Overdraft Protection Gift at New Account Opening Enjoy automatic annual payout in November.  Payment will not be disbursed if balance is less than $25 at time of disbursement.
Disclosure Information Exceeding withdrawal limitations may result in account closure, change of account type, termination of transfer capability, or other remedial action Exceeding withdrawal limitations may result in account closure, change of account type, termination of transfer capability, or other remedial action Exceeding withdrawal limitations may result in account closure, change of account type, termination of transfer capability, or other remedial action
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Student Loans®

The Centennial Bank Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.

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DISCLAIMER: These products are not a deposit, not FDIC insured, not guaranteed by the Bank, may lose value, including loss of principal.