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Because you love them...

Your future and the future of your family are worth saving for and we've got some great ways to do it.  At First Capital Bank we offer a variety of savings plans and we’ll always be there to help you adapt your accounts as your needs change over time.  We offer several options for saving money with different levels of earning potential and flexibility.

Capital Savings

Earn interest on your money with our regular savings account.  This account provides a simple way to save your hard earned money:

  • Minimum Opening Balance: $200.00
  • Monthly Maintenance Fee:  $5.00 unless average daily balance of $200.00 or more is maintained.
  • Activity Limited to 3 withdrawals per month.  Each withdrawal over 3 will be assessed a fee of $3.00 each.
  • Interest Bearing Non-Transaction account.
  • Monthly Statement unless there are no transfers in a particular month; in any case you will get a statement at least quarterly
First Savings*

Start children on the right path to learn how to manage their money with First Capital Bank's Minor Savings Account.

  • Must be under 18 years of age*
  • Minimum Opening Balance: $25.00
  • Monthly Maintenance Fee: None
  • Activity Limited to 3 withdrawals per month.  Each withdrawal over 3 will be assessed a fee of $3.00 each
  • Interest Bearing Non-Transaction Account                          
    *At age 18 account will be changed to Capital Savings
  • Monthly Statement unless there are no transfers in a particular month; in any case you will get a statement at least quarterly.
Personal Money Market Checking

First Capital Bank’s Money Market Account is the perfect account when you want to increase the earning power of your money, yet still have easy access to it. 

  • Minimum Opening Balance: $1,000.00
  • Monthly Maintenance Fee:  $5.00
  • Transaction limitations apply.  3 Checks and 3 over the counter withdrawals
  • There is a $15.00 charge per transaction over the limit.
  • Tiered Interest Rates based on investment amounts.
    (See Current Rate Sheet)
Certificates of Deposits (CDs)

First Capital Bank CDs give you a choice of ways to maximize the interest you earn with a guaranteed rate of interest over a term tailored to your plans.  With a certificate of deposit you will lock in an interest rate on your savings for a fixed period of time.  Our CDs feature competitive rates, a range of maturity dates, an opportunity to reinvest interest and an automatic renewal option.  Contact a First Capital Bank Customer Service Representative for current rates and terms.

Individual Retirement Accounts (IRAs)

An IRA, or Individual Retirement Account, is a great way to save and plan for your retirement. IRAs offer tax savings and the ability to compound your money through contributions and interest earnings.  We offer flexible terms and competitive rates and will be happy to help you make an informed choice that is best for you.  Contact a First Capital Bank Customer Service Representative for current rates, terms or to discuss additional IRA investment information.
 
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