Certificate of Deposits

CD Special
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!

FNC Bank offers competitive rates and a variety of terms to choose from ranging from six months to five years. Rates vary depending on the duration and amount of the Certificate of Deposit. The minimum investment to open a Certificate of Deposit at FNC Bank is as low as $250, depending on the CD type.  There is a penalty if you withdraw your money before the maturity date of your Certificate. 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. Use our calculator to explore CD Ladders.


Individual Retirement Accounts

An individual retirement account (IRA) is a tax-advantaged investing tool that individuals use to earmark funds for retirement savings. FNC Bank’s Traditional and Roth IRA’s help you plan for your retirement dreams. Whether you choose a traditional or Roth IRA, the tax benefits allow your savings to potentially grow, or compound, more quickly.

It’s never too early, or too late, to plan for your retirement! Contact a personal banker for more information.

Consult with a tax advisor before opening an IRA account. Yearly contribution limits may apply.