Personal IRAs & CDs

Valuable tools that can help assure a secure financial future.

We know that planning for tomorrow is important.

That's why First Community Bank offers Individual Retirement Accounts (IRAs) and Certificates of Deposit (CDs) to help you save for the future you want.


An IRA is a safe, secure way for you to earn a higher rate of interest as you build a nest egg for retirement. We'll go over all the advantages when you come in for a visit, but here are the most important details:
  • $100 minimum opening deposit
  • Variable term ranges
  • Maximum annual contribution is 100% of earned income or $5,500 (whichever is less)
  • If over 50 years of age, maximum annual contribution is 100% of earned income or $6,500 (whichever is less)
  • IRS penalties apply to withdrawals from IRAs prior to age 59 1/2
  • Spousal IRAs are available 
  • Roth IRAs are available


A CD provides you with a valuable, secure investment to earn interest on your money. Our CDs offer a variety of maturities to fit your investment needs. After reviewing the details below, stop in and let us help you choose the terms that are best for you.
  • $1,000 minimum opening deposit 
  • Interest is accrued daily
  • Fixed interest rate for term of CD
  • Automatically renewable 
  • Bank penalties apply to early withdrawals