Personal CDs & IRAs

Account TypeTerms AvailableMinimum to OpenMinimum to Earn Stated Interest
Certificates of Deposit 3-6-12
30-36-48-60 Months 
$500 $500 
Special Certificate of Deposit Varies Varies Varies 
Individual Retirement Accounts (Individuals only) 3-6-12
30-36-48-60 Months 
$500 $500 

Certificates of Deposit

Simple way to grow your funds with various terms available.

About Certificates of Deposit

  • Earns an attractive rate of interest
  • Guaranteed interest rate for the term of the deposit
  • Automatic renewal at maturity
  • Penalties for early withdrawal

Inquire Now

Special Certificate of Deposit

From time to time First Home Bank offers special rates, with special term Certificates of Deposit.

To take advantage of our current CD special, please contact us at any of our convenient locations.

Inquire Now

Individual Retirement Accounts (Individuals only)

IRAs are security for retirement with tax benefits. Recent changes have expanded an IRA’s value for many people.

IRA Options

  • Traditional IRA
  • Education IRA
  • Roth IRA

About IRA’S

Traditional IRA – fixed interest rate terms available Fixed Traditional IRA

  • Flexible terms
  • Attractive interest rates
  • Interest is tax-deferred in most cases (consult your tax advisor)
  • Maximum annual contribution applies

Roth IRA is a tax-free way to invest for your retirement. The Roth IRA is a non-deductible account that features tax-free withdrawals for certain distribution reasons after a five year holding period. Consult your tax advisor to see if a Roth IRA is right for you. Education IRA is a non-deductible account that features tax-free withdrawals for a very specific purpose – a child’s higher education expenses. The significant difference of a Traditional or Roth IRA is that the Education IRA is penalty free and tax-free if funds are withdrawn for higher education purposes.

A yearly statement on your IRA keeps you abreast of your investment’s value. First Home Savings Bank does not charge an annual IRA fee or IRA transfer fees.

For more information on our Certificate of Deposits or Individual Retirement Accounts, please contact us or come by any of our convenient branch locations.

Ready for a Better Banking Experience?

Apply Today, Risk Free

It Only Takes a Few Minutes to Get Started