Step-Up CDs

Earn one of the highest yields in the nation on CDs of 3, 4 and 5 years with our Step-Up CD. It offers flexibility and the safety of FDIC insurance. You will be protected against interest rate swings, have immediate access to funds, and be able to add to your savings at any time.

The Step-Up CD offers benefits not found on most certificates of deposit:

  • Increase the Annual Percentage Yield (APY) one time to FirstCity's current yield on the same maturity. When interest rates rise, so can your earnings.
  • Deposit additional funds at any time, even when rates go down.
  • Take out money at any time. You can make one withdrawal of up to one-half of your initial deposit without penalty.
  • Enjoy the protection of FDIC insurance.
  • Open an account for yourself or for your IRA.
  • Set up an account for your business.

FirstCity accepts new accounts from U.S. depositors only. The minimum deposit is $10,000.

Call (888) 600-1805 to speak with one of our associates to learn more about the Step-Up CD and to open an account.

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Step-Up Jumbo CDs