Checking & Savings
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 05/02/06.
1st Bank CD Terms/Yields
| Special Terms/Rates | ||
|---|---|---|
| Term | Interest Rate | Annual Percentage Yield |
| 9 Months | 4.65% | 4.75% |
| 19 Months | 4.89% | 5.00% |
| Traditional Terms/Rates | ||
|---|---|---|
| Term | Interest Rate | Annual Percentage Yield |
| 3 Months | 2.50% | 2.53% |
| 6 Months | 3.00% | 3.04% |
| 1 Year | 3.50% | 3.56% |
| 18 Months | 3.70% | 3.76% |
| 2 Years | 3.65% | 3.71% |
| 30 Months | 3.70% | 3.76% |
| 4 Years | 4.15% | 4.23% |
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.
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