CDs & IRAs

NewFirst offers Certificate of Deposits and Individual Retirement Accounts with terms as short as a few months to as long as several years.

You choose what best fits your investment needs! All of our CDs and IRAs offer competitive rates.

Contact a location near you to discuss current rates.


Certificate of Deposit

A Certificate of Deposit offers a competitive fixed rate of interest with terms available from thirty days up to five years. Interest is compounded and paid quarterly for terms of 91 days or longer and may be added back to the Certificate of Deposit, transferred to another NewFirst account or paid by check. 

  • All Certificates of Deposit are established as automatic renewals and offer a 10 day grace period after maturity.
  • Interest begins to accrue on the business day that non-cash items (for example, checks) are deposited. 
  • A minimum investment of $1,000 is required to open this account unless stated otherwise. 
  • Free E-Banking is available with a Certificate of Deposit. 

A penalty may be imposed for early withdrawal.

CD Terms

  • 7-31 Day
  • 91 Day
  • 182 Day
  • 12 Month
  • 18 Month
  • 24 Month
  • 36 Month
  • 48 Month
  • 60 Month

Individual Retirement Accounts

An Individual Retirement Account offers both a retirement investment option at a competitive fixed rate of interest and favorable tax treatment.  IRA’s are established with NewFirst National Bank as the custodian. 

  • Interest is compounded and paid quarterly.
  • There is a $5,000 minimum investment to open this account. 
  • Free E-Banking is available with an Individual Retirement Account. 

A penalty may be imposed for early withdrawal.

IRA Terms

  •  12 Month
  •  18 Month
  •  24 Month
  •  30 Month


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