Savings & Investment

Savings Investment

Earn more, save more.

Saving is about building your wealth, but at First Community Bank you don’t need a fortune to get started. We offer several types of savings accounts to help your money work for you. You can also set up Savings Made Simple to contribute to any of our savings’ accounts. Whether it’s saving for a rainy day, Christmas, or teaching your child the value of savings, we have the perfect fit for you!

Community Savings

Saving is about building your wealth, but at First Community Bank you don’t need a fortune to get started. Our savings account requires only $100 to open, and is free if you maintain a $100 minimum balance.

  • $100 minimum deposit to open
  • Earn competitive interest rates
  • Interest compounded monthly
  • Low minimum opening balance of $100
  • $1.00 service fee if balance drops below $100


It’s never too early to start planning ahead for retirement. With an Individual Retirement Account from First Community Bank, you can take advantage of federal tax benefits and incentives to make sure your golden years are truly golden.

Start planning for your retirement today!

  • Great interest rates
  • Experienced advisors
  • Personal service

Certificates of Deposit

Lock in a fixed rate of return on your investment with a CD from First Community Bank. Higher yields mean there’s more there when the CD term expires, and FDIC insurance means it’s guaranteed to be there!

With a set maturity date, CDs are an excellent way to save for your long-term goals. Our CDs combine security and flexibility with higher returns on your money.

  • High interest rates mean high returns
  • Flexible terms to fit your needs
  • Experienced advisors to help you get the perfect plan
  • FDIC insured up to $250,000
  • Early withdrawal penalties may apply

Christmas Club

Make sure you have the funds you need for a wonderful Christmas season. With a $5.00 minimum opening balance, it’s easy to start preparing for that magical time of year.

  • $1,000.00 max deposit per month
  • $5.00 minimum balance to open
  • Statement mailed October 31st
  • Interest paid annually October 31st
  • Check mailed on or around November 1st of each year
  • If you close the account you will not receive the interest

Kids Club

It is never too early to teach the value of saving for the future. With a Kids Club Saving Account, it only takes $5.00 to get your youngsters started on the path to success.

  • Interest compounded monthly
  • Minimum balance to earn interest $1.00
  • Open a new Kids Club Savings account and we will match the first $5.00
  • Deposit $5.00 annually, and we will match that too!
  • Receive a special prize when you make your 10th deposit.

Our Address

First Community Bank
420 2nd Ave SW
Cullman, Al 35055

Lobby & Drive Thru

Monday - Friday
8:00am - 5:00pm
Drive Thru open until
5:30pm every Friday
Sat & Sun: Closed

Read the FAQ for more
about our current hours.

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