First Capital understands the need to establish a solid investment for your future. Our certificate accounts program was developed to offer a greater variety of options at competitive rates to increase your return.

* There is a minimum $1,000 deposit required, $500 for children.
* Terms range from 90 days to 5 years.
* There is a Step-Up certificate offered which is for 24 months and requires a $5,000 minimum deposit. It allows you to "step-up" your certificate rate, one time during the term of the certificate. This means if interest rates change and certificate rates go up, you can take advantage of it!
* All certificates including IRA certificates are subject to early withdrawal penalties.

Current Certificate Rates

Certificate Rate Calculator