Certificates of Deposit (CDs)

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Certificates of Deposit (CDs) are ideal investments if you do not need ready access to your cash. CDs typically offer higher interest rates than traditional savings accounts; making them good options to help achieve long-term savings goals. Additionally, once in a CD, you are guaranteed your interest rate will not change for the term of the CD. Great interest rates and built-in savings discipline can make CDs a smart choice for long-term savings!

No gimmicks. Just consistently high returns on Certificates of Deposits (CDs)

If you're tired of chasing CD specials, look no further. At FNC Bank, we focus on keeping our CD interest rates competitive for the long haul.

Apply online or check with a personal banker for more information, or to discuss which CD may be the best fit for you.

Want to see how much you can gain with a CD? Use our CD calculator to discover your potential earnings!

You can also discover the benefits of investing in a series of CDs with different maturities, also called a CD Ladder.

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A Certificate of Deposit (CD) ladder is an investment strategy that involves dividing the amount of money to be invested among several CDs with varying maturity dates. This staggered approach offers a balance between the typically higher returns of long-term CDs and the liquidity of short-term CDs.

By creating a CD ladder with FNC Bank, investors have regular access to a portion of their funds as one of the CDs matures at a predictable interval. For example, if you have $5,000 to invest, you might spread it across a 1-year, 2-year, 3-year, 4-year, and 5-year CD. Each year when one CD matures, you have the option to reinvest that money into a new CD with a longer term at the current interest rate, which can be beneficial if rates have risen.

This strategy can help mitigate the risks associated with interest rate fluctuations while potentially earning more interest than you would from a traditional savings account or a short-term CD alone. CD ladders are a good investment tool for savers who want a predictable, stable return on their money.

Use our CD calculator to determine potential earnings with Certificates of Deposit.

Talk to a Personal Banker to get started on a CD ladder today!

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What our customers are saying

A friendly local bank, that knows who you are when you walk in the door. Always ready and able to find answers. They aim to be part of the solution, not another part of the problem.

Rick

Keep doing a great job in helping customers with fraudulent charges. Top notch support. Some of my friends have had these issues with fraud and they received ZERO support from their bank. (that was not FNCB)! Thank you!

Kate

Everyone has ALWAYS been extremely helpful and never without a smile - customer service is 10/10! There’s a reason I didn’t move my accounts after I married almost 11 years ago. And a reason I’ve been a customer since I was a teenager! Thank you for all you do for your customers each and every day!

Erin

This is the bank to hold your accounts. I have tried other banks and returned to this one. The people are top notch. Friendly and knowledgeable. I thank them for their always helpful attitude!

Toni

I have been working with FNC Bank for 25 years for my personal banking and 15 years for my commercial banking needs. The folks at FNC are knowledgeable, kind, fair and always looking out for my best interest! I am very pleased that I chose to make First National Community Bank, MY bank 25 years ago and trust that I am in good hands for the next 25 years!

Joseph

Really great bank, down to earth and personal. Does not have the corporate feeling vibe, long holds on the phone etc. High quality experience for sure.

Shawn

Love the Hometown feel of FNC Bank. My grandkids are now the 5th generation to bank there. I like the personal attention and caring employees. (Banker) goes above and beyond and all the tellers are super friendly.

Jean

Wonderful bank, good relationship and a real hometown feel, just minutes from the metro but personal, we do business and personal banking! 5 star for sure!

Stacy

Most accurate accounting procedures and friendliest bank representatives I've ever had in any banking experiences in the past.

Kathleen

The staff are friendly and efficient. They go above and beyond with their customer service. It is a great to have a locally owned bank where customers really matter are not just a number.

JoAnn

I have been with FNC bank for over 20 years and even though I have moved, I like the small town bank so I continue my accounts there.

Christyl

I have been a patron of the Bank since 1974. Never had a bad experience, and was always able to work with the bank to solve my banking needs.

Arthur

I moved from New Richmond to Woodbury. I have continued to be a customer due to the service I receive. Step into any "big bank" and you will see the difference. I recently applied for a bank credit card to have on hand for an emergency. The low interest rate was incredible. So happy!

Tamara

FNC Bank has been our bank for over a decade. The customer service is first rate and I love the small town branch vs the big banks.

Karin

Great small town bank, I love that they know who you are when you walk in the door or call.

Errin

I have been with FNC Bank for 20+yrs. We went to FNC for a construction loan and a checking account when we 1st moved here. We both wanted something more out of a bank, one that would make us feel like we were people not just an account that we had where we had been. Boy, did they come through from loan officers to the tellers. From that 1st construction loan, the loan officers have always helped us save $$$ like helping us lock in a rate to refinancing and equity lines. Making the process so easy. The tellers are always so helpful. Everyone has always been professional, and yet making you feel like family, just what we were looking for. They are "like a good neighbor" in everyway.

Jana

Fantastic team! Knowledgeable, prompt, and professional across the board - from a simple savings account, to complex mortgage products, they find the best way to make it work for you.

Derek

Excellent friendly staff and officers that are ready and willing to strive to meet and exceed customers needs. This "hometown bank" has been a longtime institution within the community always helping citizens and businesses alike. It is refreshing to have staff and officers with genuine concern to help people achieve their dreams. Thank you FNC Bank.

Scott

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