What are the current interest rates at CenTrust Bank?

Current rates for CenTrust Bank include: 12-Month CD: 4.00%, 18-Month CD: 4.00%, MMA: 3.15%

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CenTrust Bank Rates & Review June 2026

Q: How many branches does CenTrust Bank operate?

CenTrust Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, CenTrust Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, CenTrust Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 16, 2026

CenTrust Bank's 7-Month CD rates are at 4.05%, 11-Month CD rates are at 4.00%, 17-Month CD rates are at 4.00%. CenTrust Bank's money market rates are at 3.15%. MonitorBankRates evaluates the financial stability of CenTrust Bank with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.83%. Rates were last updated on 06/16/2026.

CenTrust Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CenTrust Bank? Share your experience about CenTrust Bank by leaving a review below, or read customer reviews before you decide to use CenTrust Bank.

Overall Health & Safety Grade

B+

Good Health Score: 87/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

18.83%

Good Higher than avg

CenTrust Bank

385 Waukegan Rd
Northbrook, IL 60062

https://www.SmartBizBank.com

CenTrust Bank CD Rates

Product	Rate	APY	Term
7-Month CD	-	4.05%	7-Month
Min Deposit $500 Details New money is required to open and earn the stated APY. CD accounts earn a fixed interest rate for the selected term, and the applicable rate is paid until the CD matures. IRA eligible. Substantial penalty for early withdrawal, which will reduce earnings. Offer may be cancelled at any time without notice. Unless the Bank notifies you of a change in terms, at maturity, the CD will automatically renew with the same term at the rate and APY then in effect for those CD accounts. Please see your Account Agreement and Disclosures for additional terms and conditions that apply to your account. For additional information, call 847-267-1331. Last Updated 06/16/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.83%
11-Month CD	-	4.00%	11-Month
Min Deposit $500 Details New money is required to open and earn the stated APY. CD accounts earn a fixed interest rate for the selected term, and the applicable rate is paid until the CD matures. IRA eligible. Substantial penalty for early withdrawal, which will reduce earnings. Offer may be cancelled at any time without notice. Unless the Bank notifies you of a change in terms, at maturity, the CD will automatically renew with the same term at the rate and APY then in effect for those CD accounts. Please see your Account Agreement and Disclosures for additional terms and conditions that apply to your account. For additional information, call 847-267-1331. Last Updated 06/16/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.83%
17-Month CD	-	4.00%	17-Month
Min Deposit $500 Details New money is required to open and earn the stated APY. CD accounts earn a fixed interest rate for the selected term, and the applicable rate is paid until the CD matures. IRA eligible. Substantial penalty for early withdrawal, which will reduce earnings. Offer may be cancelled at any time without notice. Unless the Bank notifies you of a change in terms, at maturity, the CD will automatically renew with the same term at the rate and APY then in effect for those CD accounts. Please see your Account Agreement and Disclosures for additional terms and conditions that apply to your account. For additional information, call 847-267-1331. Last Updated 06/16/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.83%

CenTrust Bank Money Market Rates

Product	Rate	APY	View More
Platinum Money Market Account	-	3.15%
Min Deposit $10,000 Min Balance $10,000 Details APY of 3.15% is accurate as of 12/12/25 on balances of $10,000 and more. Interest paid monthly. A monthly fee of $25 will be assessed if the minimum daily balance falls below $10,000. Fees may reduce earnings on the account. Interest rates and APY may change at any time without notice at the Bank's discretion. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Accounts closed before the interest payment date will not earn accrued interest for that period. See Deposit Account Agreement and Disclosures for additional terms. New deposits only are defined as not currently on deposit with Centrust Bank. Last Updated 06/16/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.83%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for CenTrust Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather CenTrust Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CenTrust Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name CenTrust Bank

Bank Holding Company SMARTBIZ BANCSHARES INC

Address 385 Waukegan Rd, Northbrook, IL 60062 · Cook

Website https://www.centrustbank.com

FDIC Certificate # 58158

Established 04/14/2006

FDIC Insurance Date 04/14/2006

Domestic Offices 1

Total Branches 1

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 87/100

4.7

Excellent Out of 5.0 Stars

18.83%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.0290%

Return on Equity (ROE) -0.2100%

Non-Performing Loans (NPL) 1.41%

Total Assets $191,932,000

Total Deposits $144,460,000

Equity Capital $27,998,000

Net Income $-10,117,000

Headquarters Northbrook

Total Branches and Offices 1

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About CenTrust Bank

How many branches does CenTrust Bank operate?

CenTrust Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, CenTrust Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CenTrust Bank provides members with tools to manage their accounts and build a solid financial history.

Does CenTrust Bank offer online and mobile banking?

Most modern institutions like CenTrust Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.centrustbank.com.