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Individual Retirement Accounts

1st Capital Bank offers Traditional, Roth, SEP, and Educational (CESA) Individual Retirement Account options.  Contact a Client Services Representative at one of our convenient branch locations for more information.

Individual Retirement Accounts

Tradition IRA

1st Capital Bank's Individual Retirement Account is the right account for individuals looking for an account specifically designed for retirement savings. 


  • 12 or 18 Month Terms Available
  • Minimum Opening Deposit $200.00
  • Annual Maintenance Fee $15.00
  • Early withdrawals penalties may apply1
1. Early Withdrawal Penalties:
Term 12 Months = 180 Days Interest on Amount Withdrawn
Term 18 Months = 365 Days Interest on Amount Withdrawn
In certain circumstances, such as the death or incompetence of an account owner, the law permits, or in some cases requires, the waiver of early withdrawal penalties. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.


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.
Credit Frequency and Interest Compounding Method:
Interest will be credited to your account at maturity. Interest will be compounded at maturity.