With fixed rates ranging from thirty days to three years, we make it easy for you to maximize your funds. Not only is your money safe, but your Certificate of Deposit (CD) may also be used as collateral for a personal and/or commercial loan.

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Account information through Digital Banking

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Available fixed rates ranging from thirty days to three years

Icon of a hand with a percentage symbol coin

Interest payment options according to expiration date: receive payment by check, credit it to another FirstBank account, or add the interest earned to your CD balance

Percentage symbol with arrows around.

Interest rate varies based upon the term and amount selected, renewed automatically at maturity

Libertad para escoger:

Libertad para escoger:

  • Término de la cuenta.

  • Cuándo y cómo se pagan los intereses.

Intereses competitivos.

Intereses competitivos.

Acceso a la información de tu cuenta a través de Tu Banca Digital.

Acceso a la información de tu cuenta a través de Tu Banca Digital.

Si tienes Cuenta BONUS, el balance de tu CD cuenta como parte del balance diario promedio a mantener para evitar el cargo mensual por servicio.

Si tienes Cuenta BONUS, el balance de tu CD cuenta como parte del balance diario promedio a mantener para evitar el cargo mensual por servicio.

HOW TO APPLY

Ready to open an account?

Make sure you have the following documents readily available.

  • Two valid IDs

  • Social Security Card

  • Complete the CD account form and a W-8 or W-98

  • Other documents may be required

With these documents, call us at 1-866-695-2511 for USVI and 1-284-495-8899 for BVI, or visit one of our branches. 

 

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FREQUENTLY ASKED QUESTIONS

The IRA and CD accounts both allow you to save money for your future. The IRA gives you a tax benefit. The CD account is a deposit account with a defined term. 

The minimum to open a Certificate of Deposit is $2,500.  

A Certificate of Deposit is a smart way to save.  It gives you the advantage of fixed rates for a term ranging from thirty days to three years, and can be used as collateral for a personal loan. 

See FAQs

 

LEGAL USVI

Member FDIC only in the USVI and Puerto Rico. Available for individuals and commercial institutions. The complete terms and conditions of the account can be found in the disclosures document provided at account opening. FirstBank reserves the right to negotiate the minimum opening deposit amount and the term at account opening. Any withdrawals from the principal amount or any cancellations done before the expiration date will be subject to penalties. The Bank may deduct the penalty amount from the principal, if necessary. Early withdrawal penalties: (i) withdrawal on original tenors up to 365 days, penalty is forfeiture of 90 days of interest or all accrued interest, whichever is less; or (ii) withdrawal on original tenors after one year, penalty is forfeiture of 180 days of interest or all accrued interest, whichever is less.

 

LEGAL BVI

Available for individuals and commercial institutions. The complete terms and conditions of the account can be found in the disclosures document provided at account opening. FirstBank reserves the right to negotiate the minimum opening deposit amount and the term at account opening. Any withdrawals from the principal amount or any cancellations done before the expiration date will be subject to penalties. The Bank may deduct the penalty amount from the principal, if necessary. Early withdrawal penalties: (i) withdrawal on original tenors up to 365 days, penalty is forfeiture of 90 days of interest or all accrued interest, whichever is less; or (ii) withdrawal on original tenors after one year, penalty is forfeiture of 180 days of interest or all accrued interest, whichever is less.

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