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CERTIFICATE OF DEPOSIT
Let’s boost those savings together!
Are you looking to start saving but find meeting the minimum opening deposit a challenge?
Open a First City Wealth Builder Certificate
We’ve designed this certificate to make it easier to get started on your savings journey.
This certificate features:
- Just $50 deposit to open the account when you sign up for direct deposit or payroll deduction. Otherwise, the minimum opening deposit is $500.
- Flexibility to make additional deposits without affecting your nine-month term
3 easy ways to open your Wealth Builder Certificate:
Visit a branch, call (800) 944-2200, or open one online
*Minimum $50 opening deposit with payroll deduction earns 1.29% rate (1.30% APY (Annual Percentage Yield); $500 opening deposit earns 1.39% rate (1.40% APY (Annual Percentage Yield) effective as of 09/11/2023 for a 9-month Wealth Builder Certificate. Membership required. Not available for corporate accounts. Funds deposited must be new money not currently on deposit with First City Credit Union. A minimum opening deposit of $500 is required to obtain the APY. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain the APY. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a 9-month Wealth Builder Certificate at the rate currently in effect for a 9-Month Wealth Builder Certificate. Terms and conditions are subject to change without notice. Rates/yields are subject to change. Fees could reduce earnings on the accounts. The annual percentage yield and dividend rate assume that dividends remain on deposit until maturity. There is an early withdrawal penalty if you withdraw any of the funds before the maturity date. For additional terms and conditions, visit www.firstcitycu.org for more information.
Lock in a great rate with a term that fits your needs.
Our Term Certificates (CDs) earn the most of all our Savings Accounts. The longer term and requirements means more dividends for you. If you’re looking for the most return on your investment, this is the account for you.
Choose from our two types of Term Certificates with Rates and Annual Percentage Yields (APY) listed below:
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 |
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!
- Federally insured to at least $250,000 by the NCUA.
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 |
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.
- Federally insured to at least $250,000 by the NCUA.
Penalty for early withdrawal may reduce principal and earnings. For IRAs, the IRS has specific rules governing the amount and frequency of your contributions.
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