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Certificates of Deposit (CDs)

You don't need to risk a dive in the stock market to earn a nice return. Certificates of deposit pay interest above regular savings rates — guaranteed. Choose your term, lock in your rate, and wait for your payday. Just remember, the longer your term, the better your rate. Invest in a sure thing with FCNB.

Standard Term Details
  • Fixed rates, higher than regular savings1
    • Receive higher rates by selecting a longer term
    • Interest payments may be credited to another FCNB account, paid by check, or compounded back to the CD
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 6 months to 5 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty2
  • Minimum deposit to open as low as $2,0003
Triple Option CD Details

  • 1.00% APY4
  • 28 month term for the initial term, renews automatically for a 24 term at the then current rate
  • Take advantage of the flexibility this CD offers
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • No setup or maintenance fees
    • INCREASE YOUR RATE:  The Interest rate on this certificate may be increased once upon request of CD owner/owners (FCNB Published 24 Month Rate). 
    • MAKE ADDITIONAL DEPOSITS6:  Make one additional deposit totaling up to 50% of your opening balance during the original CD term.
    • WITHDRAW FUNDS7:  You can make a one-time penalty-free withdrawal of up to 50% of the principal during the original CD term for medical reasons.
  • This offer may change daily and may be withdrawn at any time at the discretion of The First Citizens National Bank. 
  • Minimum deposit to open is $10,000
  • New money only including ADDITIONAL DEPOSIT
  • Offer not available for public funds, institutional investors, brokerage deposits or retirement accounts.

1Interest rates vary based on the term.

2For terms of 1 year or less, the penalty will be a 3-month loss of interest. For terms more than 1 year, the penalty will be a 6-month loss of interest.

3Minimum opening deposit requirements vary based on the term.

4The advertised rate is accurate as of January 12, 2017. the advertised interest rate and annual percentage yield (APY) are valid for the original 28-month term, and assumes principal and interest remain on deposit for the full term. Interest is compounded and credited monthly. 

5Exercising any of the Triple options requires written notification.  Only one option can be used per original 28 month term. Options cease after original 28 month term.

6New money only

7All other early withdrawals are subject to penalties.