Certificates of Deposit

Certificates of Deposit are a great way to earn a higher interest rate with the security of FDIC insurance. CDs are time deposits, meaning the funds cannot be withdrawn until the maturity date without a penalty. FCB Banks offers a wide selection of term options so you can tailor your CD to match your savings goals.

Learn more below and then stop by any of our locations to open a CD of your own!

Account Details

Minimum Opening Deposit


Term Options

Choose from:

1 month

6 months

1 year

2 years

3 years

5 years

7 years

Various special term options

Interest Payments

Choose from:

Quarterly compounding

Monthly credit to another FCB Banks account

Quarterly credit to another FCB Banks account

Monthly check

Quarterly check

Penalty for Early Withdrawal

Determined by the CD term


View rates

Bonus rates available for:

49er Gold Club Members

Mini-Jumbo CD

Jumbo CD

Minimum Balance to Earn APY1



Automatic renewal at maturity

Penalties may be imposed if you withdrawal any of the funds before the maturity date.

1 You must maintain a minimum balance in the account everyday to obtain the disclosed annual percentage yield.

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