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Savings and Investments

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


  • 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!

Wealth Builder Term Certificate 


  • Make additional deposits of any amount, at any time, 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.

Penalty for early withdrawal my reduce principal and earnings.

Application | Rates

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