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Certificates of Deposit

Certificates of Deposit

Certificates of Deposit

1st Capital Bank's Certificate of Deposit account is the right account for customers looking to invest their funds for a fixed term in exchange for a guaranteed interest rate during that term.  With several terms to choose from, you can choose the one that best fits your financial needs.

Features

  • 30/60/90/180/365 Day and 2 Year Terms Available
  • Minimum Opening Deposit:
    Terms < 365 Days: $2,500
    Terms ≥ 365 Days: $1,000
  • Early Withdrawal Penalties May Apply1
1.  Early Withdrawal Penalties:
Terms < 90 Days = 90 Days Interest on the Amount Withdrawn
Terms 90-365 Days = 180 Days Interest on the Amount Withdrawn
Terms > 365 Days = 365 Days Interest on the Amount Withdrawn

Liquid Certificates of Deposit

Liquid Certicates of Deposit

1st Capital Bank's Liquid Certificate of Deposit account is the right account for customers looking for the earnings benefits of a CD with the added flexibility of unlimited deposits and 2 penalty free withdrawals during the term.

Features

  • 1 Year Term
  • Minimum Opening Deposit $2,500
  • Unlimited deposits of $100.00 or More Allowed Within the Term
  • Two (2) Withdrawals Within the Term Without Penalty
  • Early Withdrawal Penalties May Apply1
1.  Early Withdrawal Penalties: Terms 1 Year (365) Days = 180 Days Interest on the Amount Withdrawn.
 
 Rate information:
Interest rate and Annual Percentage Yield are subject to change on your account at maturity. You can contact our branches for current interest rate and Annual Percentage Yield information.
 Daily Balance Method
The Daily Balance Method applies a daily periodic rate to the principal in the account each day.
Interest Credit Frequency:
Interest will be credited at maturity.