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boost your savings with a certificate of deposit

Today's certificate special offers

Open a certificate special with a $5,000 minimum deposit.*

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CDs are a simple way to make the most of your money

Certificates of Deposit (CDs) typically have a higher interest rate than traditional savings accounts if you can set aside funds for a specified amount of time. We offer a range of rates and terms to fit your money-saving strategy.

Contact us for more CD rates and terms

Here's why CDs might work for you

Earn an interest rate 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

Learn how a CD works

We’ll explain the ins and outs, including CD benefits, terms and how to set one up.

Take the quiz: Is a CD right for you?

Weigh the pros and cons of a CD, compare it to other savings accounts, and answer a few questions to see if a CD fits your saving style.

See all your savings account options

CDs are great savings tools, but if you need more flexibility a traditional savings account may work better.

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If funds are withdrawn prior to the maturity date, a penalty may be imposed on the amount withdrawn and will be subject to the terms of the certificate.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  • Terms less than 12 months will be charged 1% of the amount withdrawn
  • Terms of 12 months to 35 months will be charged 2% of the amount withdrawn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.

*APY = Annual Percentage Yield. Minimum deposit of $5,000 required to open new certificate at promotional rate. Balances less than $5,000 are subject to lower APY. A First Financial Bank checking account is required to open this certificate. 9-month special certificate will renew to standard 9-month CD product and 15-month certificate will renew to 12-month CD product, both with the interest rate fixed based on the applicable rate at the time of renewal. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Call or visit a local financial center for additional details. Offer ends March 31, 2023.

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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