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When you want certainty, a Certificate of Deposit delivers. With an FNBA CD, you choose your term, make your deposit, and your rate is locked in from day one. No surprises. No watching the market. Just steady, guaranteed growth for the full length of your term.
FNBA offers CD terms starting at just 30 days and extending up to 84 months, so whether you are saving for the near future or the long haul, there’s a term that fits your timeline.
Your money grows from day one
What you save stays saved.
A real banker, not a call center.
A Certificate of Deposit is a savings account with a fixed term and a locked-in rate. You deposit your funds, leave them for the agreed term, and your balance grows. Interest may remain in the account for quarterly compounding or it may be withdrawn by check or be transferred to another account maintained at this bank. It is one of the most straightforward ways to grow your savings.
Feature | Detail |
Available Terms | 30 days to 84 months; choose the term that fits your goal |
Interest Payment | Compounded and credited quarterly to your CD |
Interest Payout Option | In certain circumstances, interest may be paid by check or transferred to another FNBA account; ask a banker for details |
Minimum Deposit | $1,000 |
Early Withdrawal | Penalties apply for early withdrawal depending on product term review at account opening. |
At Maturity | Funds and earned interest returned; renewal or redeployment options available |
FDIC Insured | Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category. |
FNBA offers a full range of CD terms to match short-term needs and longer-term goals. Short-term CDs start at just 30 days, while longer-term options run up to 84 months. The longer you commit, the more your savings can grow.
Looking for flexibility while still earning interest? FNBA Statement Savings gives you full access to your funds with competitive quarterly interest and no monthly fee when a minimum balance is maintained. A great companion to a CD for funds you may need before a term ends.
FNBA offers Traditional and Roth IRAs to help customers save with tax advantages built in. Whether you are just starting out or adding to an existing retirement account, a local FNBA banker can walk you through your options and help you find the right fit.
If you are 50 or older, our Retiree Banking Hub is designed for you. Explore more accounts, services, and resources tailored to South Jersey customers who have earned the right to bank on their own terms.
When your CD reaches its maturity date, you will be notified in advance. You will have then (10) calendar days from the maturity date to withdrawal you funds without being assessed a penalty. At that point, you can withdraw your funds and interest, roll them into a new CD, or transfer them to another FNBA account.
No. Once a CD is opened, the deposit amount is fixed for the term. If you would like to save more, you can open an additional CD or direct extra funds to a Statement Savings account until your next CD term begins.
Yes, FNBA imposes an early withdrawal penalty on CDs. The specific amount varies depending on your CD term. Visit any FNBA branch in South Jersey or call us before opening your CD, and a banker will explain the penalty schedule that applies to your chosen term.
Interest is compounded and credited to your CD quarterly. In certain circumstances, interest can instead be paid by check or transferred to another FNBA account. Ask a banker at any South Jersey branch for details on the interest payout options available to you.
$1,000 is the standard minimum balance to open.
Yes. Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category.
Visit any FNBA branch in South Jersey to speak with a banker about current CD terms and specials. We can help you get set up in one visit.
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