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Term Certificates
First City’s Term Certificates offer some of the highest rates you’ll find anywhere on federally insured savings.
Choose from two Certificate Types:
Term Certificate
Features
- A low minimum deposit of just $1,000 is required to open the account
- Flexible terms from three months to five years
- With our tiered rates, the more you save, the more you earn!
Term Certificate (CD) and Regular IRA Certificate Rates
| Term Certificate (CD) Account | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Term | |||||||||
| minimum balance | Dividend/Yield | 3 Mos. | 6 Mos. | 1 Year | 18 Mos. | 2 Year | 3 Year | 4 Year | 5 Year |
| $1,000 to $9,999 | Rate | 1.64% | 1.96% | 2.96% | 3.01% | 3.06% | 2.96% | 3.06% | 3.15% |
| APY | 1.65% | 1.98% | 3.00% | 3.05% | 3.10% | 3.00% | 3.10% | 3.20% | |
| $10,000 to $49,999 | Rate | 1.74% | 2.06% | 3.06% | 3.11% | 3.15% | 3.06% | 3.15% | 3.25% |
| APY | 1.75% | 2.08% | 3.10% | 3.15% | 3.20% | 3.10% | 3.20% | 3.30% | |
| $50,000 and up | Rate | 1.83% | 2.16% | 3.15% | 3.20% | 3.25% | 3.15% | 3.25% | 3.35% |
| APY | 1.85% | 2.18% | 3.20% | 3.25% | 3.30% | 3.20% | 3.30% | 3.40% | |
| Penalties will be imposed for early withdrawals | Rates are current and effective as of: February 1, 2025 |
Wealth Builder Term Certificate
Features
- Make additional deposits, without affecting your nine-month term!
- Minimum initial deposit of just $500. With payroll deduction, your minimum initial deposit is only $50!
- Pay yourself first by setting up regular automatic deposits through Direct Deposit or Payroll Deduction
- A great gift idea to help young people establish a savings plan.
Wealth Builder Term Certificate Rates
| Wealth Builder Certificate Account | ||
|---|---|---|
| Wealth Builder | ||
| with Payroll Deduction option | ||
| Minimum balance | Dividend/Yield | 9 Mos. |
| to earn APY = $50 | Rate | 1.29% |
| (with Payroll Deduction) | APY | 1.30% |
| to earn APY = $500 | Rate | 1.39% |
| APY | 1.40% | |
| Rates are current and effective as of: February 1, 2025 |
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