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Savings Products

At First Choice Bank, we understand the importance of savings plans to help our customers reach their personal financial goals or have cash reserves for unexpected emergencies. Therefore, we offer a variety of services to assist you in having the money that you need when you need it. The following savings plans have been designed to help secure your financial future. Stop by today and talk with any of our customers service representatives. We are ready to discuss your individual goals and the best way to achieve them. All depository relationships are, of course, insured up to the applicable limits of the Federal Deposit Insurance Corporation (FDIC).

Regular Savings Account

With an initial minimum deposit of just $100.00, this account pays the current variable market rate of interest, which is accrued daily and compounded quarterly.  This account requires a balance of $100.00 to earn interest. Please check the rates tab on the home page or call First Line Express for current interest rates for your Regular Savings Account.

Kid’s Club Account

This savings account is designed for children and young adults under the age of 18 and must be jointly owned by the child and an adult. No minimum deposit is required to open this account. This account requires a balance of $25 to earn interest.  Please call First Line Express or check the rate tab on the home page for current interest rates.

Christmas Club Account

A First Choice Bank Christmas Club Account is an ideal way to save for Christmas shopping. Funds deposited to this account will mature on October 15th. We will send you a check for the amount you deposited, plus interest – just in time for holiday shopping. This plan allows you to deposit any amount at any time during the year. Interest will be compounded and credited to your account at maturity. Any withdrawal before maturity will result in a $15 withdrawal fee per withdrawal. A $25 deposit is needed to open this account. Please call First Line Express or check the rates tab on the home page for current interest rates.

Certificate of Deposit

First Choice Bank can structure a Certificate of Deposit from 30 days to 60 months to fit your individual needs. We offer competitive fixed-rate certificates from the date of deposit to maturity. Minimum deposits for these accounts are $1,000. For your convenience, certificates may be renewed automatically. Federal regulations require penalty for early withdrawal.

Individual Retirement Accounts

An IRA is a special savings plan that lets you put aside money you earn today to be used later for your retirement. Depending on your income, your income tax liability on those funds may be deferred. Contribution amounts may vary due to age and marital status. You may contribute to an IRA plan even if you participate in a retirement plan at work. Interest earnings are not taxed until withdrawal (penalty for early withdrawal). We offer competitive fixed rate and variable rate accounts. Call us for all the details or for assistance in having an existing IRA rolled over to a First Choice Bank IRA. A minimum balance of $50 is needed for a variable rate IRA. A minimum balance of $1,000 is needed for a fixed rate IRA.

Discover the benefits of a Roth IRA

  • Tax Savings
  • Tax Free Earnings
  • Retirement Earnings

A minimum balance of $1,000.00 is needed to open a fixed rate Roth IRA. Stop by and allow our CD/IRA personnel to work with you on your financial needs.

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