Our certificates at First Choice America are designed to offer a competitive yield to our customers with the added safety of their principal. We want our customers to enjoy our investment certificates and allow them to earn a great rate on their funds!
The annual percentage yields are accurate as of February 6, 2025
| TERM | MINIMUM BALANCE | RATE | APY | EARLY WITHDRAWAL PENALTY |
|---|---|---|---|---|
| 91 day | $500.00 | .80% | .80% | 90 days dividend penalty |
| 6 month | $500.00 | .80% | .80% | 90 days dividend penalty |
| **7 month | $500.00 | 4.20% | 4.28% | 180 days dividend penalty |
| 9 month | $500.00 | .80% | .80% | 180 days dividend penalty |
| 12 month | $500.00 | .85% | .85% | 180 days dividend penalty |
| 15 month | $500.00 | 3.70% | 3.76% | 180 days dividend penalty |
| 18 month | $500.00 | .90% | .90% | 180 days dividend penalty |
| 24 month | $500.00 | .90% | .90% | 180 days dividend penalty |
| 25 month | $500.00 | 1.85% | 1.87% | 180 days dividend penalty |
| 30 month | $500.00 | .95% | .95% | 180 days dividend penalty |
| 36 month | $500.00 | 1.00% | 1.00% | 180 days dividend penalty |
| 39 month | $500.00 | 1.95% | 1.97% | 180 days dividend penalty |
| 48 month | $500.00 | 1.00% | 1.00% | 180 days dividend penalty |
| 60 month | $500.00 | 1.05% | 1.06% | 180 days dividend penalty |
| 72 month | $500.00 | 1.05% | 1.06% | 180 days dividend penalty |
| 84 month | $500.00 | 1.10% | 1.11% | 180 days dividend penalty |
| 120 month | $500.00 | 1.15% | 1.16% | 180 days dividend penalty |
ADD-Vantage
An easy way to get started with First Choice America investments is to try out our minimum of $500 ADD-Vantage Certificate. With our 7 month certificate option, you’ll benefit from great rates, and can add to your initial investment in increments of $500 or more**!
Kid Vantage
Helping your kids get off to a great financial start early is one of the greatest gifts you can give them! Whether it’s your child or a grandchild, try our Kid-Vantage certificate option with a minimum investment of only $100. This option is also based on a 7-month certificate, and you can add to it in increments of $25 at a time**!
Jumbo Certificates
We also offer Jumbo Certificates to our customers. Jumbo certificate of deposits is stable, low-risk investments made at a minimum of $100,000. Due to a large amount of money involved in this investment, customers typically receive a higher interest rate than that of our traditional certificate of deposits.
Additional Notes on Certificates
- Certificate rates are subject to change daily
- Dividends are calculated using the Daily Balance Method and credited monthly
- Dividends may be compounded, deposited into your savings account, or paid by check
