Certificates of Deposit (CDs)

• Earn a guaranteed, fixed interest rate for the length of your term
• Wide range of terms available (from 7 days to 5 years)
• Provides more guaranty than other investments
• No setup or maintenance fees
• Early withdrawals subject to penalty¹
• FDIC coverage of at least $250,000
• Minimum deposit to open varies based on term

To Get Started

Click the Apply Now button above or below. For faster service, speak to a representative at 229.246.6200 (GEORGIA) or 904-875-6177 (FLORIDA)

*APY means Annual Percentage Yield.  Rates are accurate as of the printing of this advertisement and may change at any time.   CD TERMS: Promotional APY applies to new certificates of deposit opened at First Port City Bank Branch. Required minimum deposit of $2,500.00 to open. The promotional offer is effective as of September 1, 2023, and is subject to change without notice. Penalty may be applied for early withdrawal. Withdrawal of interest reduces earnings. 5.25% APY applies to 9 Month and13 Month CD term. This does not apply to public funds certificates of deposit. At maturity, the 9 Month CD term will renew to a 9 Month CD term at the prevailing rate and the 13 Month CD term will renew to a 13 Month CD term at the prevailing rate.   IRA TERMS: A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement. Subject to some minimal conditions. Certain exceptions apply, such as healthcare, purchasing first home, etc. Consult a tax advisor. Minimum opening deposit for IRA is $500.00. Account requirements are available on our website at www.firstportcity.com. Member FDIC. Equal Housing Lender.