HOME Deposit & CD Rates These rates are effective as of November 25, 2021, unless otherwise noted, and are subject to change without notice. Please call 570.784.1660 or email us for additional information. Certificates of Deposit $500 minimum deposit to open Term Annual Percentage Yield APY (Balances up to $1,999.99) Annual Percentage Yield APY (Balances $2,000 to $9,999.99) Annual Percentage Yield APY (Balances $10,000 and above) 90 days 0.05% 0.05% 0.05% 182 days 0.10% 0.10% 0.10% 12 month 0.10% 0.15% 0.20% 15 month 0.10% 0.15% 0.20% 18 month 0.10% 0.15% 0.25% 24 month 0.15% 0.25% 0.35% 30 month 0.20% 0.30% 0.40% 36 month 0.25% 0.35% 0.45% 48 month 0.30% 0.40% 0.50% 60 month 0.35% 0.45% 0.55% No Penalty Certificates of Deposit1 $5,000 minimum deposit to open Term Annual Percentage Yield APY 12 month 0.15% Flex Certificate of Deposit2 $10,000 minimum deposit to open Rates effective April 1, 2021. Term Annual Percentage Yield APY 36 month (Less than $10,000) 0.03% 36 month ($10,000-$14,999.99) 0.05% 36 month ($15,000-$19,999.99) 0.15% 36 month ($20,000-$24,999.99) 0.25% 36 month ($25,000-$99,999.99) 0.35% 36 month ($100,000-$250,000) 0.45% 36 month ($250,000.01 and over) 0.55% Individual Retirement Accounts (IRAs)3 Term Annual Percentage Yield APY Minimum Deposit to Open (Balances $2,000 to $9,999.99) 18 month (Fixed) 0.25% $100 18 month (Floating)4 0.05% $100 36 month (Fixed) 0.45% $100 60 month (Fixed) 0.55% $100 High Yield Account4 $25,000 minimum deposit to open Balance Annual Percentage Yield APY $25,000-$99,999.99 0.10% $100,000-$249,999.99 0.15% $250,000 or greater 0.25% Money Market Accounts $1,000 minimum deposit to open Balance Annual Percentage Yield APY Less than $5,000 0.03% $5,000-$9,999.99 0.03% $10,000 or greater 0.07% APY is based on the quarterly compounding of interest. Penalty for early withdrawal. Fees may reduce earnings.1Penalty may apply if withdrawal occurs within six days of the first deposit or subsequent deposits, or within six days of a previous withdrawal. 2Rates may change on the first day of each quarter. 3Consult IRA documents for limitations and restrictions. 4Rates May change after the account is opened. Learn more about FDIC Insurance Coverage. Savings Goal Calculator Retirement Planner Calculator Roth IRA Calculator Saving for the Future Start investing in your future today. Whether you're starting an account for a little Bankasaurus or you're looking for bigger returns on the money you've earned, we're here with the savings and investment solutions you need Let's Start Saving Let's Connect VISIT US Locate a branch near you Branch/ATM Locations EMAIL US We'd love to hear from you! Contact Us CALL US 570.784.1660 Let's Talk Back To Top: Follow Us: Facebook Twitter LinkedIn Instagram HOME Get it on the App Store Get it on Google Play Download the First Columbia Mobile Banking App Member FDIC Account Protection Calculators Press Room Privacy Careers Website Accessibility Terms of Use Investor Relations Search Bank Routing Number: 031305936 NMLS #410779 Copyright © 2021 First Columbia Bank & Trust Co. All Rights Reserved. Website by MoJo Active