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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
  • CDs that can be opened online:
    • 12-Month, 24-Month, 36-Month, 48-Month and 60-Month
        Open an Account

  • To open a 3-Month or 6-Month CD, please contact your local branch.  

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: 12-Month, 24-Month, 36-Month, 48-Month and 60-Month\

Rates Effective as of February 25th, 2021

Term Min to Open Interest Rate APY Min Balance to Earn APY
3-Month CD $1,000.00 0.03% 0.03% $0.01
6-Month CD $1,000.00
0.03% 0.03% $0.01
12-Month CD $1,000.00
0.05% 0.05% $0.01
24-Month CD $1,000.00
0.08% 0.08% $0.01
36-Month CD $1,000.00
0.10% 0.10% $0.01
48-Month CD $1,000.00
0.10% 0.10% $0.01
60-Month CD $1,000.00
0.15% 0.15% $0.01
Certificate of Deposit (CD) accounts have a defined term. A penalty may be imposed for early withdrawal.