Turn Time Into Higher Returns

First City Certificates of Deposit

When you have money you won’t need right away, a Certifificate of Deposit lets you lock in a competitive rate for a fifixed term. It’s a simple way to grow your savings with confidence and predictability.

FIxed Rate. Fixed Term.

Lock in Your Rate

Your interest rate stays the same for the entire term, regardless of market changes.

Choose Your Timeline

Select the Certificate of Deposit term that best fits your savings goals and financial plans.

Plan with Confidence

Know exactly what your savings will earn from the day you open your Certificate of Deposit.

Everything Included with Your Certificate of Deposit

Account Features

Multiple maturity options
Competitive fixed interest rates
Additional maturities available upon request
Daily compounding
Quarterly interest payments on terms of 12 months or longer
Interest paid at maturity on terms less than 12 months
FDIC insured up to applicable limits

Current CD Specials*

Term	APY*
6 Months	4.25%
12 Months	4.25%
15 Months	4.25%

*Annual Percentage Yield (APY) effective as of 7/9/2026, a minimum opening deposit of $1,000.00 is required. A substantial penalty may be imposed for early withdrawal. Offer may be withdrawn at any time without notice.

Talk with a First City Banker about

You don’t have to switch everything to get started. Open the account that’s right for you today. We’ll earn the opportunity to help with the rest.