Century Bank savings, CD and money market rates
Century Bank's Liberty Savings advertises 2.00% APY. That is 1.63 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
The rate needs a linked account at the bank. Direct deposit is required.
Ranked #494 of 2929 tracked savings rates by advertised APY. For a $10,000 balance it would rank #322.
Century Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 2.00% · Liberty Savings · needs a linked account at the bank · requires direct deposit |
| Minimum to open | $2,000 · Liberty Savings |
| Against the national average | 1.63 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 3.70% · 11 months · 11 Month CD · needs a linked account at the bank |
| Minimum to open | $1,000 · 11 months CD |
| Against the national average | 1.97 percentage points above the 1.73% FDIC 12-month CD average (Sep 2026) |
| Money market | |
| Top money market APY | 2.05% · Liberty Money Market · needs at least $150,000 · needs a linked account at the bank · requires direct deposit |
| Minimum to open | $15,000 · Liberty Money Market |
| Against the national average | 1.42 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 28362 · Santa Fe, NM |
|---|---|
| Website | www.mycenturybank.com |
| Branches | 9 branches in NM |
| Availability | Available in NM |
Century Bank savings, CD and money market rates
Personal
How the rate applies
How the rate applies
IRA
Business
How the rate applies
How the rate applies
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 12.00%. Across 60 savings accounts from 59 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 CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 3.65% | $5,000 | 3 Month CD |
| 3 months | 1.90% | $1,000 | 90 Day CD |
| 6 months | 3.15% | $1,000 | 182 Day CD |
| 7 months | 3.50% | $1,000 | 7 Month CD |
| 11 months | 3.70% | $1,000 | 11 Month CD |
| 12 months | 2.90% | $1,000 | 12 Month CD |
| 24 months | 2.65% | $1,000 | 24 Month CD |
| 36 months | 2.15% | $1,000 | 36 Month CD |
| 48 months | 2.15% | $1,000 | 48 Month CD |
| 60 months | 2.15% | $1,000 | 60 Month CD |
| IRA CDs | |||
| 12 months | 2.93% | $1,000 | 12 Month IRA CD |
| 24 months | 2.68% | $1,000 | 24 Month IRA CD |
| 36 months | 2.17% | $1,000 | 36 Month IRA CD |
| 48 months | 2.17% | $1,000 | 48 Month IRA CD |
| 60 months | 2.17% | $1,000 | 60 Month IRA CD |
Interactive Tool
Calculate Savings for Century Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$868.30(5.5%)
- Total Contributions$13,000
- Initial Deposit$2,000
Projected Balance
$15,868.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Century Bank 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 paid a higher average rate on savings and money market deposits than 24% of banks that reported a figure (3,938 banks; FDIC call report). The all-bank median was 1.45%.
- Century Bank, 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 3,938 banks that reported a figure for the quarter ending June 30, 2026.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Liberty Savings | 2.00% | $2,000 | $0 | None | not stated | Direct deposit · Linked account at the bank | One rate | |
| Fine print: A Century Bank consumer checking account with at least one recurring monthly payroll or direct deposit of $500 or more from an outside source is required. The $2,000 opening deposit must come from a source outside the bank. If the requirements are not maintained, the account can earn a reduced yield for that statement cycle. An account closure fee of $25 applies if the account is closed within the first 90 days. | ||||||||
| High Performance Savings | 0.03% | $25 | $0 | None | not stated | None | One rate | |
| Minor Savings | 0.03% | $25 | $0 | None | not stated | None | One rate | |
| Liberty Money Market | 2.05% | $15,000 | $1,000 | None | not stated | Direct deposit · Linked account at the bank | Tiered | |
| Fine print: $15,000 is required to open the account. The lowest rate tier starts at $1,000. A Century Bank checking account with at least one direct deposit is required. An account closure fee of $25 applies if the account is closed within the first 90 days. | ||||||||
| High Performance Money Market | Up to 0.03% | $5,000 | $1,000 | None | not stated | None | Tiered | |
| IRA | ||||||||
| Market IRA | 0.50% | $100 | $0 | None | not stated | None | One rate | |
| Fine print: Contributions can be made at any time, and the minimum deposit for a contribution is $50. | ||||||||
| Business | ||||||||
| Business Liberty Money Market | 2.00% | $20,000 | $1,000 | None | not stated | Linked account at the bank | Tiered | |
| Fine print: $20,000 is required to open the account. The lowest rate tier starts at $1,000. A Century Bank business checking account with at least 15 transactions, or enrollment in Treasury Services, is required. An account closure fee of $25 applies if the account is closed within the first 90 days. | ||||||||
| Business High Performance Savings | 0.03% | $25 | $0 | None | not stated | None | One rate | |
| Business High Performance Money Market | Up to 0.03% | $5,000 | $1,000 | None | not stated | None | Tiered | |
Fine print for 3 products above: An account closure fee of $25 applies if the account is closed within the first 90 days. Interest earned in the cycle is forfeited if the account is closed before the statement cutoff date.
Fine print for 2 products above: $5,000 is required to open the account. The lowest rate tier starts at $1,000. An account closure fee of $25 applies if the account is closed within the first 90 days.
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 | |||||
| 3 Month CD | 3 months | 3.65% | $5,000 | not stated | not stated |
| Fine print: The opening deposit must be new money from a source outside the bank. A Century Bank checking account must be maintained or opened. At maturity the certificate renews automatically into a 90 Day Classic CD. This is a promotional offer that the bank can discontinue at any time. | |||||
| 90 Day CD | 3 months | 1.90% | $1,000 | not stated | not stated |
| 182 Day CD | 6 months | 3.15% | $1,000 | not stated | not stated |
| 7 Month CD | 7 months | 3.50% | $1,000 | not stated | not stated |
| Fine print: An existing Century Bank personal checking account is required. At maturity the certificate renews automatically as a 182 Day CD. This is a promotional offer that the bank can discontinue at any time. | |||||
| 11 Month CD | 11 months | 3.70% | $1,000 | not stated | not stated |
| Fine print: An existing Century Bank personal checking account is required. At maturity the certificate renews automatically as a 12 Month CD. This is a promotional offer that the bank can discontinue at any time. | |||||
| 12 Month CD | 12 months | 2.90% | $1,000 | not stated | not stated |
| 24 Month CD | 24 months | 2.65% | $1,000 | not stated | not stated |
| 36 Month CD | 36 months | 2.15% | $1,000 | not stated | not stated |
| 48 Month CD | 48 months | 2.15% | $1,000 | not stated | not stated |
| 60 Month CD | 60 months | 2.15% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| 12 Month IRA CD | 12 months | 2.93% | $1,000 | not stated | not stated |
| 24 Month IRA CD | 24 months | 2.68% | $1,000 | not stated | not stated |
| 36 Month IRA CD | 36 months | 2.17% | $1,000 | not stated | not stated |
| 48 Month IRA CD | 48 months | 2.17% | $1,000 | not stated | not stated |
| 60 Month IRA CD | 60 months | 2.17% | $1,000 | not stated | not stated |
Opening and using the account
| Availability | Available in NM |
|---|---|
| Footprint | 9 branches in NM |
| Eligibility | not stated |
How Century Bank behaves over time
Every observation of the advertised Liberty Savings rate in the last 12 months was 2.00% (observed through Oct 14, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Sep 30, 20263 Month CDRaise:3.50%to3.65%
- Obs. Sep 30, 20267 Month CDRaise:3.35%to3.50%
- Obs. Sep 30, 202611 Month CDRaise:3.55%to3.70%
- Obs. Sep 30, 202690 Day CDRaise:1.76%to1.90%
- Obs. Sep 30, 2026182 Day CDRaise:3.02%to3.15%
- Liberty Savings
- The same as 30 days ago.
- 11 months CD
- Up 0.15 percentage points from 30 days ago.
- Liberty Money Market
- The same as 30 days ago.
$10,000 at the 2.00% APY Century Bank advertises on Liberty Savings grows to $10,200 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,865 does today. The top rate requires direct deposit. See how the federal funds rate shapes savings rates.
Century Bank CD rates over time
Who is Century Bank?
| Headquarters | Santa Fe, NM |
|---|---|
| Founded | 1910 |
| Scale | $1.4B assets · $1.2B deposits, $892M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 28362 |
| Charter state | New Mexico · one of 29 insured banks chartered there (Q2 2026, FDIC) |
| Size | 743rd-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 5% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Century Bank pays on deposits above.
Common questions about Century Bank
Is Century Bank FDIC insured?
Yes. Century Bank is FDIC insured under certificate 28362, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Century Bank?
Century Bank requires a minimum deposit of $2,000 to open its Liberty Savings account, as observed on Oct 14, 2026. Check the bank's current terms before you open an account.
Does Century Bank have branches?
Yes. Century Bank operates 9 branches according to FDIC branch records, in addition to its website and mobile apps.
Century Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Century Bank | 2.00% | 0.77% | $2,000 | 9 branches in NM |
| Citizens Savings Bank | Up to2.00% | 1.62% | $100 | 3 branches in IA |
| Community National Bank in Monmouth | 2.00% | not stated | $100 | 1 branch in IL |
| Crystal Lake Bank and Trust Company, National Association | 2.00% | 2.56% | $0 | 6 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's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in New Mexico, nearest to Century Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in New Mexico, CD rates in New Mexico, money market rates in New Mexico, and banks in New Mexico.