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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 and Regular IRA Certificate Rates

Term Certificate Account         
Term
minimum balanceDividend/Yield3 Mos.6 Mos.1 Year18 Mos.2 Year3 Year4 Year5 Year
$1,000 to $9,999Rate0.55%0.75%0.95%1.00%1.24%1.54%1.69%1.88%
APY0.55%0.75%0.95%1.00%1.25%1.55%1.70%1.90%
$10,000 to $49,999Rate0.75%0.95%1.14%1.19%1.44%1.74%1.88%2.08%
APY0.75%0.95%1.15%1.20%1.45%1.75%1.90%2.10%
$50,000 and upRate0.95%1.14%1.34%1.39%1.64%1.93%2.08%2.28%
APY0.95%1.15%1.35%1.40%1.65%1.95%2.10%2.30%
Penalties will be imposed for Early Withdrawals

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.

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 = $50Rate0.65%
(with Payroll Deduction)APY0.65%
to earn APY = $500Rate0.70%
APY0.70%