Century Bank and Trust savings, CD and money market rates
Century Saver lists 1.25% APY. That is 0.87 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
The rate needs a linked account at the bank.
Ranked #732 of 3132 tracked savings rates by advertised APY. For a $10,000 balance it would rank #485.
Estimate your earnings·What Century Bank and Trust actually pays
Century Bank and Trust at a glance
| Savings | |
|---|---|
| Top savings APY | 1.25% · Century Saver · needs a linked account at the bank |
| Minimum to open | $50 · Century Saver |
| Against the national average | 0.87 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 0.70% · 60 months · 60 Month CD |
| Minimum to open | $500 · 60 months CD |
| Against the national average | 0.71 percentage points below the 1.41% FDIC 60-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 0.50% · Money Market Account · needs at least $100,000 |
| Minimum to open | $2,500 · Money Market Account |
| Against the national average | 0.13 percentage points below the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 147 · Milledgeville, GA |
|---|---|
| Website | www.century.bank |
| Branches | 3 branches in GA |
| Availability | Available in GA |
Century Bank and Trust savings, CD and money market rates
Personal
How the rate applies
How the rate applies
How the rate applies
Business
How the rate applies
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.21% or more. See the highest savings rates.
Century Bank and Trust CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 0.30% | $500 | 90 Day CD |
| 6 months | 0.35% | $500 | 180 Day CD |
| 12 months | 0.40% | $500 | 12 Month CD |
| 18 months | 0.45% | $500 | 18 Month CD |
| 24 months | 0.50% | $500 | 24 Month CD |
| 30 months | 0.55% | $500 | 30 Month CD |
| 36 months | 0.60% | $500 | 36 Month CD |
| 48 months | 0.65% | $500 | 48 Month CD |
| 60 months | 0.70% | $500 | 60 Month CD |
| Business CDs | |||
| 3 months | 0.20% | $500 | Business 90 Day CD |
| 6 months | 0.50% | $500 | Business 180 Day CD |
| 12 months | 0.75% | $500 | Business 12 Month CD |
| 18 months | 0.80% | $500 | Business 18 Month CD |
| 24 months | 0.95% | $500 | Business 24 Month CD |
| 30 months | 1.00% | $500 | Business 30 Month CD |
| 36 months | 1.15% | $500 | Business 36 Month CD |
| 48 months | 1.26% | $500 | Business 48 Month CD |
| 60 months | 1.30% | $500 | Business 60 Month CD |
Interactive Tool
Calculate Savings for Century Bank and Trust
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$473.10(3.3%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,473.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Century Bank and Trust pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Century Bank and Trust paid a higher average rate on savings and money market deposits than 46% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Century Bank and Trust, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Century Saver | 1.25% | $50 | $0 | None | not stated | Linked account at the bank | Tiered | |
| Fine print: A linked Century Cash or Century Cash Back checking account is required. The top rate applies to balances up to $24,999.99 in a month when the linked checking account meets its qualifications: at least 12 debit card purchases, online banking enrollment and e-statements. The portion above $24,999.99 earns a lower rate, and a month without the qualifications earns the base rate on the whole balance. Each withdrawal after the sixth in a month costs $5. | ||||||||
| Regular Savings | 0.30% | $50 | $0 | None | not stated | not stated | Tiered | |
| Fine print: Each withdrawal after the sixth in a month costs $5. A $10 fee may be charged if the account is closed within 6 months of opening. | ||||||||
| Christmas Savings | 0.30% | $0 | $0 | None | not stated | not stated | One rate | |
| Fine print: Deposits are made by automatic transfer from another Century Bank and Trust account. Partial withdrawals are not permitted. The balance is paid out on the first business day in November. A $10 fee applies if the account is closed within 6 months of opening. | ||||||||
| Money Market Account | Up to 0.50% | $2,500 | $0 | None | not stated | not stated | Tiered | |
| Fine print: Each preauthorized, check or debit card transfer after the sixth in a month costs $5. | ||||||||
| Business | ||||||||
| Business Money Market Account | Up to 0.55% | $2,500 | $0 | None | not stated | not stated | Tiered | |
| Fine print: Each preauthorized, check or debit card transaction after the sixth in a month costs $5. | ||||||||
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 90 Day CD | 3 months | 0.30% | $500 | not stated | not stated |
| 180 Day CD | 6 months | 0.35% | $500 | not stated | not stated |
| 12 Month CD | 12 months | 0.40% | $500 | not stated | not stated |
| 18 Month CD | 18 months | 0.45% | $500 | not stated | not stated |
| 24 Month CD | 24 months | 0.50% | $500 | not stated | not stated |
| 30 Month CD | 30 months | 0.55% | $500 | not stated | not stated |
| 36 Month CD | 36 months | 0.60% | $500 | not stated | not stated |
| 48 Month CD | 48 months | 0.65% | $500 | not stated | not stated |
| 60 Month CD | 60 months | 0.70% | $500 | not stated | not stated |
| Business CDs | |||||
| Business 90 Day CD | 3 months | 0.20% | $500 | not stated | not stated |
| Business 180 Day CD | 6 months | 0.50% | $500 | not stated | not stated |
| Business 12 Month CD | 12 months | 0.75% | $500 | not stated | not stated |
| Business 18 Month CD | 18 months | 0.80% | $500 | not stated | not stated |
| Business 24 Month CD | 24 months | 0.95% | $500 | not stated | not stated |
| Business 30 Month CD | 30 months | 1.00% | $500 | not stated | not stated |
| Business 36 Month CD | 36 months | 1.15% | $500 | not stated | not stated |
| Business 48 Month CD | 48 months | 1.26% | $500 | not stated | not stated |
| Business 60 Month CD | 60 months | 1.30% | $500 | not stated | not stated |
Opening and using the account
| Availability | Available in GA |
|---|---|
| Footprint | 3 branches in GA |
| Eligibility | not stated |
How Century Bank and Trust behaves over time
Every observation of the advertised Century Saver rate in the last 12 months was 1.25% (observed through Nov 12, 2026). The series includes promotional tiers where one applied.
- Century Saver
- The same as 30 days ago.
- 60 months CD
- The same as 30 days ago.
- Rate last changed
- Sep 24, 2026(effective date)
$10,000 at the 1.25% APY Century Bank and Trust advertises on Century Saver grows to $10,125 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,760 does today. See how the federal funds rate shapes savings rates.
Century Bank and Trust CD rates over time
Who is Century Bank and Trust?
| Headquarters | Milledgeville, GA |
|---|---|
| Founded | 1898 |
| Scale | $491M assets · $435M deposits, $312M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 147 |
| Charter state | Georgia · one of 124 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,743rd-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
Financial detail is in What Century Bank and Trust pays on deposits above.
Common questions about Century Bank and Trust
Is Century Bank and Trust FDIC insured?
Yes. Century Bank and Trust is FDIC insured under certificate 147, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Century Bank and Trust?
Century Bank and Trust requires a minimum deposit of $50 to open its Century Saver account, as observed on Nov 12, 2026. Check the bank's current terms before you open an account.
Does Century Bank and Trust have branches?
Yes. Century Bank and Trust operates 3 branches according to FDIC branch records, in addition to its website and mobile apps.
Century Bank and Trust against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Century Bank and Trust | 1.25% | 1.36% | $50 | 3 branches in GA |
| Alden State Bank | 1.25% | 0.23% | $25 | 3 branches in NY |
| All America Bank | 1.25% | 2.08% | $50 | 7 branches in OK |
| DR Bank | 1.25% | 2.99% | $0 | 2 branches in CT |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Century Bank and Trust's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Georgia, nearest to Century Bank and Trust in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Georgia, money market rates in Georgia, and banks in Georgia.