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jar of money on table with green shoot growing out

Certificates of Deposit

Only $500 to open, with terms from 90 days to five years.

Looking for a risk-free way to increase your savings or accumulate money for a specific life goal? With a low minimum deposit of $500, a Certificate of Deposit (CD) from The First is a safe and easy way to save money locally in Bucks County. A CD may also be the ideal choice if you want an investment that can easily be converted into cash. CDs are a special type of deposit account that often offers a higher rate of interest than a regular savings account. You select your desired term, from 90 days to five years, and choose from three interest rate options: fixed-rate, variable-rate, or adjustable-rate.

Savings Chart

Statement Savings

Money Market Savings

Kids First Savings


Special Purpose


Earns Interest
**ATM Card
Minimum Balance to Open & Earn Interest$100.00 $2,500.00 $50.00 $5.00 $5.00 $25.00
Free Online Banking
Interest PaidMonthlyMonthlyCredited MonthlyYearlyAt end of TermMonthly
Fees**$1.00 per month per card
Service Charge if Below Minimum$3.00 if minimum balance is not maintained.$5.00 if minimum balance is not maintained. Allowed 6 Transfers per month.
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Open Certificate of Deposit (CD) Online

Do stock market fluctuations make you nervous? Unlike other investment accounts, CDs are insured by the FDIC for up to $250,000. They are also guaranteed to grow in spite of market lows because your balance will increase steadily with interest. CDs are also more useful for short-term savings goals than the stock market, which many people invest in for retirement. You can choose a term that will end just when you are ready to make a big expenditure such as a vacation, home improvement project, or child-related expense like education or orthodontic work. CDs can also protect you from impulses to spend extra money as soon as you receive it. If you get holiday gift cash or a year-end bonus, why not place them in a CD that matures at the beginning of summer, so you can pay for a fun trip.

Open a CD a The First with just $500, and you can invest for periods from 90 days to five years. Call us today at 215-860-9100 for more information or visit your nearest branch in Bucks County.