Skip to content
SuperMoney logo
SuperMoney logo
CD Accounts
CD Accounts
1 more
Advertiser Disclosure

Last Updated: 04/18/2025

1st Capital Bank Personal Certificates of Deposit

in CD Accounts from 1st Capital Bank

Last Updated: 04/18/2025

1st Capital Bank Personal Certificates of Deposit logo
No Reviews Yet

This product has no reviews yet. Help others by sharing your thoughts.

Be the first to rate

Explore a similar product

Try this top product in CD Accounts

Barclays Bank logo

Barclays CD

Strongly recommended24 reviews
Visit Site

Compare All CD Accounts

Filter & compare all your options in one place.

Filter & compare all your options in one place.

View All Products
Highlights icon

Highlights

APY (Annual Percentage Yield)

N/A

Minimum Opening Deposit

Starting at $2,500

Certificate Term

  • 1 month
  • 3 months
  • 6 months
  • 12 months
  • 2 years
Speech bubbles icon

1st Capital Bank Personal Certificates of Deposit Review

1st Capital Bank Personal Certificates of Deposit are offered by 1st Capital Bank, a bank founded in 2007 and based in Salinas, CA. 1st Capital Bank Personal Certificates of Deposit are available in 1 state.

Key Takeaways

  • Only one CD type available. 1st Capital Bank Personal Certificates of Deposit only offers traditional CD accounts.
  • High minimum deposit. You must deposit a minimum of $2,500, which is high compared to most CD accounts.
  • Wide selection of CD terms. 1st Capital Bank Personal Certificates of Deposit allows you to create a CD ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.

Pros & Cons of 1st Capital Bank Personal Certificates of Deposit

1st Capital Bank Personal Certificates of Deposit FAQ

Are CD from 1st Capital Bank federally insured?

Yes, your 1st Capital Bank CDs are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #58485). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What types of CDs does 1st Capital Bank offer?

1st Capital Bank Personal Certificates of Deposit provides the following types of CDs.
  • Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CDs for another term.

What rates does 1st Capital Bank offer on its CDs?

What terms does 1st Capital Bank Personal Certificates of Deposit offer?

1st Capital Bank offers CD terms of the following lengths:

What is the minimum deposit to open a CD account with 1st Capital Bank?

1st Capital Bank Personal Certificates of Deposit require a minimum deposit of $2,500 to open an account.

What is the grace period for 1st Capital Bank Personal Certificates of Deposit?

There is a 10-day grace period for 1st Capital Bank Personal Certificates of Deposit. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the 10-day grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does 1st Capital Bank charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.
1st Capital Bank charges an early withdrawal fee.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

150 Main Street, Salinas, California.
Salinas, CA 93901
Visit Site
Email Support

Hours of Operation

Sunday
12:00AM - 12:00AM
Monday
8:00AM - 5:00AM
Tuesday
8:00AM - 5:00AM
Wednesday
8:00AM - 5:00AM
Thursday
8:00AM - 5:00AM
Friday
8:00AM - 5:00AM
Saturday
12:00AM - 12:00AM

Other Services by 1st Capital Bank

Checking Accounts

6 products

5

5 Reviews

Money Market Accounts

Be the first to rate

Savings Accounts

3 products

Be the first to rate

Prepaid Debit Cards

Rating not yet determined (2 Reviews)

SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

0

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

1st Capital Bank Personal Certificates of Deposit Community Reviews

Would you recommend 1st Capital Bank Personal Certificates of Deposit to your friends?

There are currently no reviews.

Other Services by 1st Capital Bank

Checking Accounts

6 products

5

5 Reviews

Money Market Accounts

Be the first to rate

Savings Accounts

3 products

Be the first to rate

Prepaid Debit Cards

Rating not yet determined (2 Reviews)

You might also like

Thumbnail for Best Pick: Best CD Rates
Best CD Rates

SuperMoney

Thumbnail for Blog Article: APR vs. APY: What's the Difference?
APR vs. APY: What's the Difference?

Bryce Sanders

Thumbnail for Blog Article: Discover Bank Joins the Fee-Free Bandwagon - Discover Bank Fees Removed From Deposit Accounts
Discover Bank Joins the Fee-Free Bandwagon - Discover Bank Fees Removed From Deposit Accounts

Andrew Latham

Thumbnail for Blog Article: Best Credit Unions: The Top 50 Credit Unions in the U.S.
Best Credit Unions: The Top 50 Credit Unions in the U.S.

Andrew Latham

Thumbnail for Blog Article: CD Ladder Strategy: Explanation, Pros & Cons
CD Ladder Strategy: Explanation, Pros & Cons

Chip Stapleton

Thumbnail for Blog Article: Saving For Retirement With CDs: Is It Worth It?
Saving For Retirement With CDs: Is It Worth It?

Lacey Stark

Browse CD Accounts

Barclays CD
Alliant Credit Union Certificate