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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.

  • Fixed rates, higher than regular savings1
    • Receive higher rates by selecting a longer term
    • Interest payments may be credited to another FCNB account 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

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.