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Certificates of Deposit

Midwest BankCentre offers a full range of Certificates of Deposit 1 that are available to both consumers and businesses. CDs offer you higher interest than the Money Market and Savings accounts. Use these for cash you plan on keeping for the longer term.

  • Secure and easy savings vehicles for those dollars you don’t plan to use quickly
  • Flexible Terms include:
    • 3-Month, 6-Month, 7-Month, 1-Year, 18-Month, 2-Year, 3-Year, 4-Year and 5-Year

Individual Retirement Accounts

An IRA can be a crucial part of building your retirement nest egg. Whether you’re opening your first IRA, rolling over an old 401(k) or looking to transfer your existing IRA, we have flexible options and terms to meet your needs.

  • Traditional or Roth IRA options
  • Terms include: 1-Year, 2-Year, 3-Year, 4-Year and 5-Year

Rates Effective as of January 28, 2019

Term Min to Open Interest Rate APY Min Balance to Earn APY
3-Month CD $1,000.00 0.50% 0.50% $0.01
6-Month CD $1,000.00
0.75% 0.75% $0.01
12-Month CD $1,000.00
1.24% 1.25% $0.01
24-Month CD $1,000.00
1.24% 1.25% $0.01
36-Month CD $1,000.00
1.74% 1.75% $0.01
48-Month CD $1,000.00
1.74% 1.75% $0.01
60-Month CD $1,000.00
2.23% 2.25% $0.01

Special CD Offers2

Term Min to Open Interest Rate APY Min Balance to Earn APY
24-month IRA CD $5,000 2.97% 3.00 $0.01
30-month CD $5,000 2.97% 3.00 $0.01

Certificate of Deposit (CD) accounts have a defined term. A penalty may be imposed for early withdrawal.

Minimum deposit $5,000. Maximum deposit $1,000,000. Only the initial $5,000 must be funds not previously deposited with Midwest BankCentre. Consumer and Business accounts are eligible. Other restrictions may apply. Penalty for early withdrawal. Rates subject to change without notice. See a banker for details.