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Time Deposit

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Time Deposit Accounts

  • Minimum deposit to open account – You must deposit $1000.00 to open this account
  • Rate information – Interest rate will vary depending on the term of the account.
  • Compounding and crediting frequency – Interest may be paid monthly, quarterly, semiannually or maturity by check, direct deposit into another FCB account or compounded.
  • Renewal – Account will automatically renew unless otherwise specified.
  • Effect of closing an account early – Subject to a substantial penalty for early withdrawal.

Individual Retirement Account

Want a safe easy way to save for your retirement or to fund your children’s education?  With an IRA account, your funds are invested in a fixed rate certificate of deposit or a variable rate Time Deposit Open Account (TDOA). Our fixed rate IRA CDs requires a minimum opening balance of $1000.00 whereas the TDOA account can be opened with as little as $25.00. Please contact one of our IRA specialists to learn more about any of the IRA products we offer.

  • Traditional IRAs – These IRAs are available to individuals under the age of 70 1/2 with earned income within the Modified Adjusted Gross Income (MAGI). Check with bank for annual limits.
  • Roth IRAs – These IRAs are available to individuals with earned income within the Modified Adjusted Gross Income (MAGI) – regardless of age.  Contributions are not tax-deductible but your earnings grow tax deferred and most distributions are tax free.
  • Coverdell Educational Savings – These accounts can be set up by anyone for any child under the age of 18.  Contributions up to $2000 per year are not tax deductible but your earnings grow tax free and withdrawals are taken tax-free when used for educational purposes.

CD Rates

Certificate of Deposit Rates (CD)

TermMiniumum Deposit to OpenAnnual Interest RateAnnual Percentage Yield (APY)

3 Month CD
$1,000.00
0.100%
0.10%

6 Month CD
$1,000.00
0.150%
0.15%

12 Month CD (1 year)
$1,000.00
0.200%
0.20%

18 Month CD
$1,000.00
0.250%
0.25%

24 Month CD (2 year)
$1,000.00
0.250%
0.25%

30 Month CD
$1,000.00
0.300%
0.30%

36 Month CD (3 year)
$1,000.00
0.395%
0.40%

48 Month CD (4 year)
$1,000.00
0.495%
0.50%

60 Month CD (5 year)
$1,000.00
0.695%
0.70%

17 Month CD
$1,000.00
2.000%
2.02%

27 Month CD
$1,000.00
2.500%
2.53%

39 Month CD
$1,000.00
3.251%
3.30%

Rates are accurate as of December 1, 2022

IRA Rates

Individual Retirement Account (IRA)

TermMiniumum Deposit to OpenAnnual Interest RateAnnual Percentage Yield (APY)

12 Month IRA (1 year)
$1,000.00
0.200%
0.20%

18 Month IRA
$1,000.00
0.250%
0.25%

24 Month IRA (2 year)
$1,000.00
0.250%
0.25%

30 Month IRA
$1,000.00
0.300%
0.30%

36 Month IRA (3 year)
$1,000.00
0.395%
0.40%

48 Month IRA (4 year)
$1,000.00
0.495%
0.50%

60 Month IRA (5 year)
$1,000.00
0.695%
0.70%

17 Month IRA
$1,000.00
2.000%
2.02&

27 Month IRA
$1,000.00
2.500%
2.53%

39 Month IRA
$1,000.00
3.251%
3.30%

TDOA
$25.00
0.200%
0.20%

IRA Savings
$25.00
0.200%
0.20%

Rates are accurate as of December 1, 2022