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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!

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.

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



Quick Links

 Open Now  Rates Savings Calculator Retirement Central


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