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Share (Savings) Account Rates

AccountMinimum Deposit to OpenMinimum Balance to Earn APYDividend RateAnnual Percentage Yield (APY)
Regular Share (Savings)$5$1000.10%0.10%
Vacation Club/Holiday Saver$25$1000.10%0.10%
FirstStart Savings$5$50.10%0.10%
Free Checking$10NoneNoneNone
Advantage Checking$10NoneNoneNone
Interest Checking$10$1,0000.05%0.05%
Check Builder$50NoneNoneNone
Money Market$1,000 $1,000 - $9,9990.20%0.20%
$10,000 $10,000 - $24,9990.25%0.25%
$25,000 $25,000 - $49,9990.30%0.30%
$50,000 $50,000 and over0.30%0.30%
Money Market IRA$100$100 - $9,9990.20%0.20%
$10,000 $10,000 - $24,9990.25%0.25%
$25,000 $25,000 - $49,9990.30%0.30%
$50,000 $50,000 and over0.30%0.30%
Rates are current as of: June 19, 2020Rate may change after account opening.Fees could reduce earnings.

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

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

New and Used Vehicle Rates

NEW Auto (<5,001 miles)
USED Auto (>5,000 miles)
2018 to 201249-602.89%
OLDER Auto (<140,000 miles)
2011 to 200812-365.30%
2020 to 201012-847.39%
2020 to 201012-486.89%
Auto Loan Payment Estimates and Disclosure
*APR=Annual Percentage Rate. Auto loan payment estimates on a $45,000, 84-month loan with a 4.50% APR = $626; on a $15,000, 36-month loan with a 2.89% APR = $436.
Other terms available up to 96 months. 96 month rate exclusive to tiers 1, 2, and 3, available on new autos or most recent model years, less than 5000 miles, $40,000 minimum. eGreen and Advantage Checking Account loan rate discounts do not apply with these promotional rates. Minimum $10,000 loan required on terms longer than 60 months. Certain model year restrictions may apply, please contact First City for clarification. Rate increase of .25% for vehicle mileage of 100,000 or more. Refinance offer not available on existing First City loans. Cannot be combined with other promotional offers. Rates and programs subject to change. Other conditions may apply.
Lowest possible rate is shown, your rate may vary. Credit approval is required.
Recreational Vehicle Payment Estimates
*APR=Annual Percentage Rate. Loan payment estimate example: on a $100,000, 84-month loan with a 7.64% APR = $1,541; on a $75,000, 120-month loan with a 9.75% APR = $981.
Motorcycles/ATV Payment Estimates
Loan payment estimate example: on a $10,000, 48-month loan with a 7.14% APR = $241; on a $30,000, 60-month loan with a 7.50% APR = $602 per month.

Visa Credit Card Rates

Interest Rates and Interest Charges
VISA Credit CardShare-Secured Visa Credit Card
as low asup to
Annual Percentage Rate (APR) for Purchases9.25% 18.00%7.25%
APR for Balance Transfers9.25%18.00%7.25%
APR for Cash Advances9.25% 18.00%7.25%
Rates are current as of: June 19, 2020APR is based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR will vary with the market based on the Prime Rate.

Personal Loan Rates

Personal Loan 
Loan AmountsAPR* as low as
$500 - $30,00011.90%
Personal Loan Payment Estimates and Disclosure
On a $2,500, 24 month loan with a 11.90% APR=$118 per month
Maximum personal loan allowed, including combined Personal Loan balance and Visa Credit Card available credit is $30,000.
*APR=Annual Percentage Rate

Secured Loan Rates

Certificate and Share Secured 
Certificate Secured
Maximum TermAPR* as low as
Certificate SecurityDividend Rate + 1.50%
Share Secured
Minimum/Maximum TermAPR* as low as
12 - 60 monthsDividend Rate + 1.50%
*APR=Annual Percentage Rate
Secured Loan Payment Estimate
On a $1,500, 12 month savings secured loan with a 1.60% APR=$127 per month; On a $1,500, 12 month certificate secured loan with a 2.45% APR=$125 per month
Minimum loan is $1,500. Maximum loan amount cannot exceed 90% of
Certificate balance, or 100% of available Share (regular savings) balance.
Other consumer loan programs and products available
with additional rates and terms.
*APR=Annual Percentage Rate.