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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


  • 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!

Rates and Annual Percentage Yields (APY) listed below:

Term Certificate and Regular IRA Certificate Rates

Term Certificate Account         
minimum balanceDividend/Yield3 Mos.6 Mos.1 Year18 Mos.2 Year3 Year4 Year5 Year
$1,000 to $9,999Rate0.40%0.50%0.60%0.70%0.80%1.00%1.19%1.29%
$10,000 to $49,999Rate0.50%0.60%0.70%0.80%0.90%1.09%1.29%1.39%
$50,000 and upRate0.60%0.70%0.80%0.90%1.00%1.19%1.39%1.49%
Penalties will be imposed for early withdrawalsRates are current as of: June 19, 2020

Wealth Builder Term Certificate


  • 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.

Visit our Retirement Center for more information and an IRA application.

Special Term Certificate Rates

Special Term Certificate  
Wealth Builder
with Payroll Deduction option
Minimum balanceDividend/Yield9 Mos.
to earn APY = $50Rate0.50%
(with Payroll Deduction)APY0.50%
to earn APY = $500Rate0.55%
Rates are current as of: June 19, 2020