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Personal CDs

Certificates of Deposit (CDs) are one of the most popular savings vehicles for many individuals. They offer flexible terms, which means you can decide for how long you want to invest your money. And savings are insured up to certain limits by the Federal Deposit Insurance Corporation (FDIC).

 

Personal CD Comparison Chart

Use the chart below to compare the different personal CDs offered by FNCB side by side. This will help you decide which one is the best fit for you:

Type of Account

Term

Minimum To Open

Interest Rate

Why Choose This Account

Compare Accounts

Fixed Rate CD

Range from 3 months to 5 years

$1,000

View Rates

Account offers a guaranteed fixed rate for the term of the CD.

Add On CD

1 year

$500

View Rates

Additional deposits ($50 minimum) may be made to this account.

Relationship CD

6, 12, 18, 30 or 60 months

$1,000

View Rates

Earn a premium interest rate when you also have a Relationship Checking account.

Fixed Rate CD

You'll receive a guaranteed fixed interest rate for the term of the CD, ranging from three months to five years. This provides you with a degree of certainty when it comes to your investment return.

  • Minimum deposit amount is $1,000.00.
  • Wide variety of terms.
  • Account offers a guaranteed fixed rate for the term of the CD.
  • Interest compounds quarterly.
  • Interest can be credited to the CD or to an FNCB checking or savings account.
  • The certificate is automatically renewable.
  • An FNCB CD can be used as collateral on an FNCB loan.

Add On CD

This CD allows you to make additional deposits to your Fixed Rate CD. The additional minimum deposit is just $50, and additional deposits receive a guaranteed fixed rate for the term of the CD.

  • Twelve month term with a minimum deposit of $500.00.
  • Additional deposits must be a minimum of $50.00.
  • Account offers a guaranteed fixed rate for the term of the CD.
  • Interest compounds quarterly.
  • Interest disposition is a quarterly credit to the CD.
  • The certificate is automatically renewable.
  • An FNCB CD can be used as collateral on an FNCB loan.

Relationship CD – Premium rate account.

Earn a premium interest rate when you also have a Relationship Checking account.

  • Minimum deposit amount is $1,000.00.
  • 6, 12, 18, 30 or 60 month terms available.
  • Fixed rate for the term of the CD.
  • Interest compounds quarterly.
  • Interest can be credited to the CD or to a FNCB checking or savings account.

CDARS®

CDARS® is one of the safest and smartest investment vehicles for investors looking to protect their large-dollar investments while earning CD-level returns that may compare favorably to Treasury and money-market-fund yields.

CDs placed through CDARS offer investors (including institutional investors, such as corporations, foundations, and endowments):

  • Access to multi-million-dollar FDIC insurance;
  • The ease of working through one trusted relationship, earning one rate per maturity, and receiving consolidated statements;
  • The ability to forego ongoing collateral tracking;
  • The power of daily compounding; and
  • A finite maturity date (in contrast to auction-rate or some adjustable-rate securities).

Investing through CDARS can be a strong alternative to Treasuries. Like Treasuries, FDIC insurance is backed by the full faith and credit of the U.S. government.

For more information visit our CDARS website.

Call 1-877-TRY-FNCB (1-877-879-3622), contact a commercial lender or visit the FNCB community office closest to you to learn more!

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