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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
  • Terms include: 3-Month, 6-Month, 1-Year, 2-Year, 3-Year, 4-Year and 5-Year

Checkout our
CD Specials


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

Checkout our
IRA Specials


Rates Effective as of February 1, 2018

Term Min to Open Interest Rate APY Min Balance to Earn APY
3-month CD $1,000.00 0.15% 0.15% $0.01
6-month CD $1,000.00
0.20% 0.20% $0.01
12-month CD $1,000.00
0.60% 0.60% $0.01
24-month CD $1,000.00
0.60% 0.60% $0.01
36-month CD $1,000.00
0.75% 0.75% $0.01
48-month CD $1,000.00
1.00% 1.00% $0.01
60-month CD $1,000.00
1.19% 1.20% $0.01
Special Offers 2 - Consumers Only

Term Min to Open Interest Rate APY Min Balance to Earn APY
7-month CD
$1,000.00
0.75% 0.75% $0.01
18-month CD $1,000.00
1.49% 1.50% $0.01
36-month Rate Bump CD 3 $1,000.00
1.99% 2.00% $0.01
60-month CD $1,000.00
1.99% 2.00% $0.01
60-month IRA CD $1,000.00
1.99% 2.00% $0.01

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

Must be opened with funds not previously deposited with Midwest BankCentre. See a banker for details.

Annual percentage yield (APY) is accurate as of July 27, 2017 and applies to the initial term of the Certificate of Deposit (CD). Option for a rate increase one time only during the initial term of the CD requires you to visit a Midwest BankCentre branch before the maturity date. Rate change option is based on the prevailing interest rate for the 36 month CD. Must be opened with funds not previously deposited with Midwest BankCentre. Minimum of $1,000 required to open. Other restrictions may apply. Penalty for early withdrawal. Rates are subject to change without notice. See a Banker for details. Consumer accounts only. Business accounts not eligible. Not eligible for Individual Retirement Accounts.