Century Bank of Florida savings, CD and money market rates
Century Bank of Florida's High Yield Savings offers 0.30% APY on most balances, and 0.35% from $250,000. That is 0.03 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #1383 of 3052 tracked savings rates by advertised APY.
Estimate your earnings·What Century Bank of Florida actually pays
Century Bank of Florida at a glance
| Savings | |
|---|---|
| Top savings APY | 0.35% · High Yield Savings · needs at least $250,000 |
| Minimum to open | $25,000 · High Yield Savings |
| Against the national average | 0.03 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 0.40% · 60 months · 60 Month Certificate of Deposit |
| Minimum to open | $500 · 60 months CD |
| Against the national average | 1.01 percentage points below the 1.41% FDIC 60-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 0.40% · Money Market Accounts · needs at least $500,000 |
| Minimum to open | $1,000 · Money Market Accounts |
| Against the national average | 0.23 percentage points below the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 35558 · Tampa, FL |
|---|---|
| Website | www.centurybk.com |
| Branches | 1 branch in FL |
| Availability | Available in FL |
Century Bank of Florida savings, CD and money market rates
Personal
How the rate applies
How the rate applies
How the rate applies
How the rate applies
IRA
Rates are APY. 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 3.65%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Century Bank of Florida CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| not stated | 0.07% | $500 | 7-31 Day Certificate of Deposit |
| 3 months | 0.07% | $500 | 90 Day Certificate of Deposit |
| 6 months | 0.07% | $500 | 6 Month Certificate of Deposit |
| 12 months | 0.20% | $500 | 12 Month Certificate of Deposit |
| 18 months | 0.20% | $500 | 18 Month Certificate of Deposit |
| 24 months | 0.25% | $500 | 24 Month Certificate of Deposit |
| 36 months | 0.30% | $500 | 36 Month Certificate of Deposit |
| 48 months | 0.35% | $500 | 48 Month Certificate of Deposit |
| 60 months | 0.40% | $500 | 60 Month Certificate of Deposit |
| IRA CDs | |||
| 12 months | 0.20% | $500 | 12 Month IRA Certificate of Deposit |
| 18 months | 0.20% | $500 | 18 Month IRA Certificate of Deposit |
| 24 months | 0.25% | $500 | 24 Month IRA Certificate of Deposit |
| 36 months | 0.30% | $500 | 36 Month IRA Certificate of Deposit |
| 48 months | 0.35% | $500 | 48 Month IRA Certificate of Deposit |
| 60 months | 0.40% | $500 | 60 Month IRA Certificate of Deposit |
Interactive Tool
Calculate Savings for Century Bank of Florida
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$187.40(1.3%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,187.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Century Bank of Florida 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. The 0.35% needs a balance of at least $250,000. Below that, the account advertises 0.30%.
In Q2 2026, Century Bank of Florida paid a higher average rate on savings and money market deposits than 44% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Century Bank of Florida, 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 | ||||||||
| Minor Savings Account | 0.50% | $25 | $0 | None | not stated | not stated | Tiered | |
| Fine print: The account may be opened from birth through the age of 21. After age 21 the account must be converted to a regular savings account. Each item over 3 per month costs $2.00. | ||||||||
| High Yield Savings | 0.35% | $25,000 | $0 | None | not stated | not stated | Tiered | |
| Fine print: $25,000 is required to open the account. The lowest rate tier covers balances under $25,000. Each item over 3 per month costs $3.00. | ||||||||
| Personal Savings Account | 0.30% | $100 | $0 | None | not stated | not stated | Tiered | |
| Fine print: The bank states a $5.00 maintenance fee and balance requirements of a $300 minimum or a $600 average. Each item over 3 per month costs $4.00. | ||||||||
| Money Market Accounts | Up to 0.40% | $1,000 | $0 | None | not stated | not stated | Tiered | |
| Fine print: The bank states a $14.00 maintenance fee and balance requirements of a $2,500 minimum or a $5,000 average. Each transaction over 6 per month costs $12. | ||||||||
| IRA | ||||||||
| IRA Savings Account | 0.50% | $100 | $0 | None | not stated | not stated | One rate | |
| IRA Money Market Account | 0.50% | $1,000 | $0 | None | not stated | not stated | One rate | |
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 | |||||
| 7-31 Day Certificate of Deposit | not stated | 0.07% | $500 | not stated | not stated |
| Fine print: The term is 7 to 31 days. | |||||
| 90 Day Certificate of Deposit | 3 months | 0.07% | $500 | not stated | not stated |
| 6 Month Certificate of Deposit | 6 months | 0.07% | $500 | not stated | not stated |
| 12 Month Certificate of Deposit | 12 months | 0.20% | $500 | not stated | not stated |
| 18 Month Certificate of Deposit | 18 months | 0.20% | $500 | not stated | not stated |
| 24 Month Certificate of Deposit | 24 months | 0.25% | $500 | not stated | not stated |
| 36 Month Certificate of Deposit | 36 months | 0.30% | $500 | not stated | not stated |
| 48 Month Certificate of Deposit | 48 months | 0.35% | $500 | not stated | not stated |
| 60 Month Certificate of Deposit | 60 months | 0.40% | $500 | not stated | not stated |
| IRA CDs | |||||
| 12 Month IRA Certificate of Deposit | 12 months | 0.20% | $500 | not stated | not stated |
| 18 Month IRA Certificate of Deposit | 18 months | 0.20% | $500 | not stated | not stated |
| 24 Month IRA Certificate of Deposit | 24 months | 0.25% | $500 | not stated | not stated |
| 36 Month IRA Certificate of Deposit | 36 months | 0.30% | $500 | not stated | not stated |
| 48 Month IRA Certificate of Deposit | 48 months | 0.35% | $500 | not stated | not stated |
| 60 Month IRA Certificate of Deposit | 60 months | 0.40% | $500 | not stated | not stated |
Opening and using the account
| Availability | Available in FL |
|---|---|
| Footprint | 1 branch in FL |
| Eligibility | not stated |
How Century Bank of Florida behaves over time
Every observation of the advertised High Yield Savings rate in the last 12 months was 0.35% (observed through Oct 14, 2026). The series includes promotional tiers where one applied.
- High Yield Savings
- The same as 7 days ago.
- 60 months CD
- The same as 7 days ago.
- Rate last changed
- Sep 29, 2026(effective date)
$10,000 at the 0.35% APY Century Bank of Florida advertises on High Yield Savings grows to $10,035 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 $9,673 does today. See how the federal funds rate shapes savings rates.
Century Bank of Florida CD rates over time
Who is Century Bank of Florida?
| Headquarters | Tampa, FL |
|---|---|
| Founded | 2000 |
| Scale | $101M assets · $87M deposits, $54M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 35558 |
| Charter state | Florida · one of 82 insured banks chartered there (Q2 2026, FDIC) |
| Size | 3,630th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 18% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Century Bank of Florida pays on deposits above.
Common questions about Century Bank of Florida
Is Century Bank of Florida FDIC insured?
Yes. Century Bank of Florida is FDIC insured under certificate 35558, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Century Bank of Florida?
Century Bank of Florida requires a minimum deposit of $25,000 to open its High Yield Savings account, as observed on Oct 14, 2026. Check the bank's current terms before you open an account.
Does the 0.35% apply to my whole balance?
The 0.35% needs a balance of at least $250,000. Below that, the account advertises 0.30%. Rates are as observed on Oct 14, 2026.
Does Century Bank of Florida have branches?
Yes. Century Bank of Florida operates 1 branch according to FDIC branch records, in addition to its website and mobile apps.
Century Bank of Florida against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Century Bank of Florida | 0.35% | 1.30% | $25,000 | 1 branch in FL |
| Albany Bank and Trust Company National Association | 0.35% | 1.80% | $500 | 4 branches in IL |
| Countryside Bank | 0.35% | 1.39% | not stated | 3 branches in NE |
| Crossroads Bank | Up to0.35% | 0.35% | $50 | 2 branches in IL |
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 of Florida's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Florida, nearest to Century Bank of Florida in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Florida, money market rates in Florida, and banks in Florida.