Certificate of Deposit

Enjoy peace of mind while you save for your future with a certificate of deposit (CD). Choose your term length and how much to deposit and lock in a competitive rate. Along with earning interest, the account is FDIC insured.

CD Specials

December CD Specials


APY = Annual Percentage Yield. $1,000 minimum deposit required. Interest compounded monthly. Substantial penalty for early withdrawal. Fees may reduce earnings. Interest must be added back to the CD or credited to a checking or savings account with FCNB. CD automatically renews. Rate effective February 3, 2023. Rates subject to change.

Current CD Rates

Interest rates effective February 3, 2023

TERM$1,000 & Above
30 Days 0.95% APY
45 Days 1.25% APY
3 Month 0.75% APY
6 Month 0.50% APY
12 Month 0.65% APY
24 Month 1.25% APY
36 Month 1.35% APY
48 Month 1.45% APY
60 Month 1.50% APY

Annual Percentage Yield (APY) is effective as of the publication date and are subject to change. All rates quoted are subject to change at any time. Fees could reduce the earnings on the account. Ask us about fees and terms applicable to these accounts.


First Savers CD

The First Savers CD is the perfect option for the beginning saver.

  • $500.00 minimum opening balance
  • 12 month term
  • $100.00 minimum required for add-on
  • Substantial penalty for early withdrawal
  • Fees may reduce earnings

For rate information, reference the 12 month CD rate under the Current CD Rates.


IntraFi Network Deposits

Protect and grow cash balances, while gaining peace of mind. With IntraFi® Network DepositsSM, formerly called Insured Cash Sweep® and CDARS®, you can access millions in FDIC insurance for deposits, both large and small, and enjoy the simplicity of banking with just one trusted, local institution – FCNB Bank. Use IntraFi Network Deposits to conveniently and easily secure funds placed into demand deposit accounts, money market deposit accounts, or CDs.

Learn more

Individual Retirement Plan

An individual retirement account (IRA) offers a unique way to save for the future. You can choose a traditional IRA, a Roth IRA or work with both. If you’re self-employed or own a small business, you have even more IRA options. And the best part? All IRAs give you a leg up when it comes to funding a healthy retirement.

Money Market IRA

  • $50 minimum opening balance required
  • Add to or withdraw from the account balance at any time
  • Earn interest according to the account balance
  • Contribution may be tax deductible based on taxable income
  • Available in Traditional and Roth IRAs