while you’re working hard, your savings can be too

Why CDs might work for you

Earn an interest rate that is typically higher than a standard savings account

Enjoy flexible terms from 6 months to 5 years, starting with as little as $500

Feel confident with FDIC-insured amounts up to the maximum amount permitted by law

Find a banking center near you to open a CD

Frequently asked questions

You have the ability to view your CD in both online and mobile banking. Additionally, you can speak with your local banking center or our Client First Center at 877.322.9530.

Your CD will automatically renew to a standard CD term closest to the original CD’s term. If you would like to close the CD at maturity, please notify us before, or within 10 days after the maturity date. If the CD automatically renews, the rate for each renewal term will be determined by us on or just before the renewal date. You will also receive a letter when the maturity date is approaching.

The FDIC insures up to $250,000 per depositor, per institution, and per ownership category. FDIC insurance covers deposit accounts — checking, savings, and money market accounts and certificates of deposit. You can learn more about your coverage level using the FDIC deposit insurance calculator.1

If funds are withdrawn prior to the maturity date, a penalty may be imposed on the amount withdrawn and will be subject to the terms of the certificate. In most cases:

  • Terms less than 12 months will be charged 1% of the amount withdrawn
  • Terms of 12 months to 35 months will be charged 2% of the amount withdrawn
  • Terms greater or equal to 36 months will be charged 3% on the amount withdrawn

When withdrawing funds early from your CD, it’s important to remember that interest earned might not offset the penalty for early withdrawal.


1 First Financial Bank is not affiliated with any third parties mentioned above. Any reference to any person, organization, activity, product, and/or services does not constitute or imply an endorsement. By clicking on a third-party link you acknowledge you are leaving www.bankatfirst.com.

All deposit accounts are subject to the Account Terms and Conditions, Special Handling/Electronic Banking Disclosure of Charges, and possibly other disclosures.

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First Financial Bank is not affiliated with any third-party websites. Any reference to any person, organization, activity, product, and/or services does not constitute or imply an endorsement. First Financial Bank is not responsible for the content or security of any linked web page.