Locations Make an Appointment Log In Search Home Bank Borrow Invest & Insure Business About Learn Can't find something? Home / Checking / High Interest Checking HIGH INTEREST CHECKING You don’t have to be a high-roller to get a great interest rate on your money! With Centra’s High Interest Checking accounts, you can earn money on your balance while saving money on fees. High Interest Checking accounts pay interest on all balances based on tiers*. The more you have in your account, the more opportunity you have to earn interest! There’s no monthly fee and no minimum balance when you: Use Direct Deposit Receive eStatements If you don’t use all the services listed above, you’ll earn 0.10% on all balances and pay a low monthly fee of $5. Product/Term Dividend Rate APY $0 - $1,000 1.29% 1.30% $1,000.01 - $5,000 0.70% 0.70% $5,000.01 + 0.10% 0.10% Checking Account FAQs BETTER BORROWING With a High Interest Checking account, the benefits just keep on coming! This account makes you eligible for a 0.25%** discount on many Centra loans. Apply for a Loan ALL THE FEATURES YOU NEED MasterCard® Debit Card with Mastercard ID Theft Protection™ Online Banking BillPayer Mobile banking with Mobile Deposit Email and text alerts Digital Payments Overdraft protection options Bank-by-phone Electronic statements ACCESS TO MORE THAN 5,600 BRANCH LOCATIONS Our participation in the CO-OP Shared Branch network means convenience when, where, and how you want it. As our member, you can visit any of the more than 5,600 locations where you see the CO-OP Shared Branch logo, and conduct transactions just like you were at your home branch. Search Locations NEARLY 30,000 FREE ATMS Now you can get cash at more free ATMs than ever. Our Members can visit any of nearly 30,000 ATMs that display the CO-OP logo. So whether you’re across town, or far from home for work or pleasure, you’re never far from your money. Search for ATMs OPEN A HIGH INTEREST CHECKING ACCOUNT TODAY Open online, contact us, or make an appointment that works with your schedule. Open Online Contact Us Make Appointment *Early withdrawal penalties and maintenance fees may apply and could reduce earnings on deposit accounts. Rates on deposit accounts may change after account opening.**Must be new money to Centra to qualify. Applies to personal loans closed at a Centra location. Not available on credit cards, mortgages, or lines of credit. Requires electronic payment from Centra account. Cannot be combined with other offers. Home Contact Us Connect with Us on LinkedIn Connect with Us on Facebook Connect with Us on Twitter Become a Member Schedule an Appointment Locations Deposit Rates Loan Rates Careers Privacy Policy Equal Housing Opportunity. Federally Insured By Ncua. Routing Number: 274972883 © 2021 Centra Credit Union All Rights Reserved. | 3801 Tupelo Drive, PO Box 789, Columbus, IN 47202 Please note that on our website we use cookies necessary for the functioning of our website, cookies that optimize the performance. To learn more about our cookies, how we use them and their benefits, please read our Privacy Policy. OkPrivacy policy