Investments Graphic – Cattle looking through a fence


Individual Retirement Account (IRA)


  • Accountholder must have earned income (i.e. compensation, wages, salary, tips, alimony, profit from business, or profit from farming).
  • Accountholder must file a tax return.
  • Contributions can be made up to and including April 15th for the previous year.
  • IRA's may be directly transferred from another institution into Centera Bank.

Interest Rate:

Rate and APY may fluctuate weekly. Interest accrues from first day IRA is received. IRA funds are invested in Certificates of Deposit.


Must open an IRA with at least $100.00. We have an Open IRA that you can add to each month.

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