CDs and More

CSCDRatesButton50It is important to set aside money for the future. We have products to fit your individual needs:

Certificates of Deposit
Our certificates of deposit are designed for you.uOpenButton4CDS
Terms range from 6 months to 60 months to meet your investment objectives.


Several IRA investment options are available at First Citizens. The key to retirement savings is to begin today and give your investment maximum time to accumulate.

A Traditional IRA allows you to accumulate money for retirement, tax deferred, and contributions may be tax deductible. Under the new law, income thresholds have been increased and revised definitions allow more people to qualify.

A Roth IRA allows you to accumulate after-tax money for retirement and contributions are tax free in certain circumstances. Eligibility requirements apply.

Education IRAs allow you to save money for your child’s post-secondary education on a tax-exempt basis.

Health Savings Accounts
A Health Savings Account (HSA) allows you to save for future medical expenses. You control the funds in your HSA, and decide when and how you want to use them in conjunction with your qualified high deductible health plan.

The amount you may add to your HSA may change due to cost-of-living adjustments. There are additional qualification requirements that must be met, e.g. no other medical coverage, not enrolled in Medicare, and cannot be claimed as a dependent on someone else’s tax return.

Please check with your tax adviser as to whether you would qualify for a HSA.


CDARS® (Certificate of Deposit Account Registry Service) is the easiest, most convenient way to enjoy full FDIC insurance on deposit amounts larger than $250.000 and is open to individuals, businesses, non-profits and public fund entities.

Higher Learning Fund
The Higher Learning Fund is a great account to help you start saving today for those educational expenses of tomorrow.