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!

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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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.

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(Mortgage lender) was fantastic at FNC Bank! He helped my family get a loan for our new home. We got a construction loan for a shouse/barndominium. I’ve always heard it can be a difficult process with a bank to get a loan for this type of home and he made it easy. He’s always helpful with any question I have and will give you a great experience.

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(Commercial Lender) was amazing to work with. My husband and I had a business idea and were not sure if the financing would work out. I'm so glad we called him. He was easy to work with, very responsive, and clearly knowledgeable in his field. Highly recommend.

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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. If buying a home, (FNC Bank) is truly fantastic.

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So far this year we have opened up savings accounts for our children and navigated a stolen debit card number/fraud. Customer service reps in both situations were wonderful.

Jamie

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!

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