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Checking and Savings

Certificates of Deposit (CD's)

Certificates of Deposit are term savings deposits that provide a great way to lock up higher rates of interest.  They are safe, secure and provide a guaranteed rate of return.

CD's from 1st Bank are also well suited as a way to fund contributions to Individual Retirement Accounts (IRA's). A $500 minimum deposit is required, and variable terms are available beginning at three months.* 

Guaranteed interest rates change according to market conditions.  Consult your local 1st Bank branch for current details.

*Regulations require a penalty for early redemption of Certificates of Deposit. CD's with an initial term of one year or less require a one month interest penalty for early withdrawal. CD's with an initial term of one year or more require a three month interest penalty, See your 1st Bank representative for further information.

CD Terms and Rates effective as of 11/17/2011 .

1st Bank CD Terms/Yields

Special Terms/Rates
Term	Minimum Balance to Open/Earn APY*	Interest Rate	Annual Percentage Yield
19 Months	$500	0.60%	0.60%
37 Months	$500	1.10%	1.11%
3 Months Shale Gas CD	$100,000	1.00%	1.00%
6 Months Shale Gas CD	$50,000	0.75%	0.75%

Tiered Certificates of Deposit
Term	Minimum Balance to Open/Earn APY*	Interest Rate	Annual Percentage Yield
12 Months	$500-$24,999 $25,000-$49,999 $50,000 and over	0.35% 0.40% 0.45%	0.35% 0.40% 0.45%
24 Months	$500-$24,999 $25,000-$49,999 $50,000 and over	0.65% 0.70% 0.75%	0.65% 0.70% 0.75%
36 Months	$500-$24,999 $25,000-$49,999 $50,000 and over	1.00% 1.05% 1.10%	1.00% 1.06% 1.11%
48 Months	$500-$24,999 $25,000-$49,999 $50,000 and over	1.30% 1.35% 1.40%	1.31% 1.36% 1.41%

Additional Terms/Rates
Term	Minimum Balance to Open/Earn APY*	Interest Rate	Annual Percentage Yield
3 Months	$500	0.10%	0.10%
6 Months	$500	0.20%	0.20%
9 Months	$500	0.25%	0.25%
18 Months	$500	0.50%	0.50%
30 Months	$500	0.80%	0.80%

*APY = Annual Percentage Yield

Jumbo CD's

1st Bank also offers special Jumbo CD rates and terms on deposits of $100,000 or more. Consult your local 1st Bank branch for available terms and rates.