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Roth IRA vs Traditional IRA

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F&C Bank offers a variety of Certificates of Deposits (CDs) and Individual Retirement Accounts (IRAs) to help you save for the future.

Certificates of Deposit (CDs)
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Maximize the earning power of your savings with a competitive interest rate on Certificates of Deposit offered in terms of one month to five years.

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  • Available in terms from 1 month to 5 years
  • Generally earn a higher rate of interest than traditional savings plans
  • Open with as little as $2,500

For your convenience, you will be notified when your CD matures and will automatically renew following a 10-day grace period after the maturity date.

Certificate of Deposit Specials
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Better returns at a promotional rate.

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Effective date January 2, 2025
certificate of deposit new money cd
* APY=Annual Percentage Yield.  Minimum $2,500 to open.
Penalty for early withdrawal.  Interest Rate subject to change at anytime.
Offer valid for new** money only.  Ask for details.
**Funds not currently held at F&C Bank.
CD rate Specials
1 A penalty may be imposed for early withdrawal.
* Annual Percentage Yield (APY) is based on interest compounding & crediting semi-annually or at maturity, whichever comes first.
Individual Retirement Accounts (IRAs)
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Whatever your goals, IRAs are one of the best savings tools available to help you achieve financial security in retirement. F&C Bank offers traditional IRAs and Roth IRAs depending on your personal needs. IRA CDs are automatically renewable and require a minimum opening balance with as little as $1.00.

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Traditional IRAs

  • Your money grows on a tax-deferred basis
  • You make contributions to your IRA and you may be able to deduct them on your taxes
  • Please contact your tax advisor to determine which option is most suitable for your situation

Roth IRAs

  • Roth IRAs are tax-free, which is even better than tax deferred
  • Flexibility to withdraw some of your money before you hit your golden years
  • Please contact your tax advisor to determine which option is most suitable for your situation

Rollover IRAs

  • If you’ve changed jobs and have money from your old company’s 401(k) plan, and you need to put it somewhere quickly a Rollover IRA is one good option

Contact the bank for more detailed information.