Fax: 256-737-8900
Phone: 256-734-4863

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DEPOSIT RATES AS OF 10/02/2017

Certificates of Deposits (CD)

Account TypeMinimum Deposit to Open AccountMinimus Balance to Earn APY*Account TermFrequency of InterestFrequency Compounding CreditInterest RateAPY*
91 Day CD$500.00$500.0091 daysMaturityMaturity0.20%0.20%
6 Month CD$500.00$500.00182 DaysMaturityMaturity0.25%0.25%
7 month special$500.00$500.007 MonthsMaturityMaturity0.50%0.50%
11 month special$500.00$500.0011 MonthsMaturityMaturity0.75%0.75%
1 Year CD$500.00$500.0012 MonthsQuarterlyQuarterly0.40%0.40%
13 Month Special $500.00$500.0013 MonthsQuarterlyQuarterly0.50%0.50%
18 Month CD$500.00$500.0018 MonthsQuarterlyQuarterly0.40%0.40%
2 Year CD$500.00$500.0024 MonthsQuarterlyQuarterly0.40%0.40%
30 Month CD$500.00$500.0030 MonthsQuarterlyQuarterly0.40%0.40%
3 year CD$500.00$500.0036 MonthsQuarterlyQuarterly0.45%0.45%
4 year CD$500.00$500.0048 MonthsQuarterlyQuarterly0.50%0.50%
5 year CD$500.00$500.0060 MonthsQuarterlyQuarterly1.00%1.00%

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*Annual Percentage Yield

Individual Retirement Accounts

Account TypeMinimum Deposit to Open AccountMinimus Balance to Earn APY*Interest Rate**APY*
18 Month IRA$50.00$50.000.40%0.40%
18 Month IRA Variable**$50.00$50.000.25%0.25%
36 Month IRA$50.00$50.000.45%0.45%
36 Month IRA Variable**$50.00$50.000.45%0.45%

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*Annual Percentage Yield **Rate may change after account opening

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity)


If your account has an original maturity of less than one year, the interest will be forfeited.

If your account has an original maturity of one year, the fee we may impose will equal 90 days interest on the amount withdrawn subject to penalty.


If your account has an original maturity of more than one Year: The fee we may impose will equal 180 days interest on the amount withdrawn subject to penalty.


In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan.

Checking Accounts

Account TypeMinimum Deposit to Open AccountMinimum Balance to Earn APY*Account TermFrequency of InterestFrequency Compounding CreditInterest Rate**APY*
Save Check Checking$100.00$750.00N/AMonthlyMonthly0.05%0.05%
Senior Excel Checking$100.00$1.00N/AMonthlyMonthly0.05%0.05%
Business Interest Checking$100.00$1,000.00N/AMonthlyMonthly0.05%0.05%

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*Annual Percentage Yield **Rate may change after account opening

Savings Accounts

Minimum Deposit to Open AccountMinimum Balance to Earn APY*Account TermFrequency of InterestFrequency Compounding CreditInterest Rate**APY*
$100.00$100.00N/AMonthlyMonthly0.20%0.20%

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*Annual Percentage Yield **Rate may change after account opening

Christmas Club

Minimum Deposit to Open AccountFrequency of InterestFrequency Compounding CreditInterest Rate**APY*Minimum Balance to Earn APY*Account Term
$5.00AnnuallyAnnually0.50%0.50%$5.00N/A

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* Annual Percentage Yield **Rate may change after account opening

Kids Club Savings

Minimum Deposit to Open AccountFrequency of InterestFrequency Compounding CreditInterest Rate**APY*Minimum Balance to Earn APY*Account Term
$5.00MonthlyMonthly0.50%0.50%$1.00N/A

* Annual Percentage Yield **Rate may change after account opening


Equal Housing LenderMember FDIC

FDIC INSURANCE INFORMATION

First Community Bank

Member FDIC, Equal Housing Lender