Certificates of Deposit (CDs)

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Online Banking

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.

Learn More

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!

Check out these additional products & services!

What our customers are saying

Banked here for 15+ years. The staff are always helpful and knowledgeable, I recommend this bank to everyone I can!

Auir

(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.

Mindy

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

I absolutely love this bank!! They are very personable and I have NEVER had an issue with anything!! I love the ability to work with a small bank that is NOT forced to follow the "Rules" of a corporate company!!

Cory

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

Always treated as family with every interaction!

Byron

I like the hometown feel and great customer service. I love the employees and they have went to great lengths to help me with things. Once I left my phone there and customer service called all my kids. Who does that? I love that they care that much.

Jean

(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.

Tiffany

I appreciate that FNCB keeps up with all the current technology.

Kathryn

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.

Shawn

Have been extremely happy for the past 32 years as a customer.

James

This is the best bank ever! I love you guys for all you've done for me over the years!

Jennifer

The best bank I have ever used. Everyone is has been so kind and helpful!

Lisa

Small town service with a smile, big city offerings!

Patty

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

We have banked at FNC bank for over 20 years. We can not say enough about how helpful the personnel has been whenever we have needed help doing or understanding something.

Arthur

We have been customers of FNCB for over 40 years and have been satisfied customers the whole way!

Doreen

FNC Bank has been our bank for over 40 years! Never had any issues. Great service!

Richard

Friendly and capable employees who go beyond the ordinary. I was very impressed with the loan officer who helped with the car loan I received even though the dealer was being ridiculous. It took people in the Hudson and New Richmond offices to get it done, but it was completed in one day.

Deborah