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Rates and Resources

Deposit Rates

Grow Your Funds with Competitive Deposit Rates at City First Bank

Empowering businesses, nonprofits, and individuals—while investing in community development.

 

Rate Sheet* – September 25, 2025

*After an account is opened, all rates are subject to change anytime without prior notice at the Bank’s discretion.  Annual Percentage Yield (APY) assumes that interest remains on deposit.  Fees may reduce earnings.  For Certificates of Deposit, a penalty may be applied for withdrawals prior to the maturity date.  For further details, please see a Branch Representative at your nearest City First branch, or call (888) 351-3280 or visit our website at www.cityfirstbank.com
Account Type Minimum Deposit to Open Account Minimum Daily Balance to Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield (APY)
INTEREST CHECKING:
Impact Interest Checking $100 $1 0.20% 0.20%
Community Partner Checking $100 Tier 1: $0-$749,999
Tier 2: $750,000 & Above
0.25%
0.30%
0.25%
0.30%
IOLTA(Business) $100 $1 3.06% 3.10%
PROMO HIGH YIELD MONEY MARKET:
Promo High Yield Consumer Money $10,000 Tier 1: $0 – $249,999
Tier 2: $250,000 & Above
2.98%
3.23%
3.00%
3.25%
PROMO High Yield Business Money $10,000 Tier 1: $0 – $249,999
Tier 2: $250,000 & Above
2.24%
2.49%
2.27%
2.52%
Promo High Yield Non-Profit Advantage $10,000 Tier 1: $0 – $249,999
Tier 2: $250,000 & Above
2.24%
2.49%
2.27%
2.52%
MONEY MARKET:
High Yield Consumer Money Market $10,000 Tier 1: $0 – $249,999
Tier 2: $250,000 & Above
1.98%
2.23%
2.00%
2.25%
High Yield Business Money Market $10,000 Tier 1: $0 – $249,999
Tier 2: $250,000 & Above
1.24%
1.49%
1.25%
1.50%
High Yield Non-Profit Advantage Money Market $10,000
$250,000
Tier 1: $0 – $249,999
Tier 2: $250,000 & Above
1.24%
1.49%
1.25%
1.50%
ICS® (IntraFi Cash Service®):
Insured Sweep $250,000 $250,000 3.20% 3.25%
SAVINGS:
Impact Savings $100 $1 0.20% 0.20%
First Step Savings (up to 18 yrs. Old) $25 $1 0.20% 0.20%
Impact Business Savings $250 $1 0.35% 0.35%
CERTIFICATES OF DEPOSIT (CD):
3 Month CD $1,000 $1,000 3.44% 3.50%
4 Month CD $1,000 $1,000 3.20% 3.25%
6 Month CD $1,000 $1,000 3.68% 3.75%
9 Month CD $1,000 $1,000 3.73% 3.85%
12 Month CD $1,000 $1,000 3.92% 4.00%
18 Month CD $1,000 $1,000 2.96% 3.00%
24 Month CD $1,000 $1,000 2.96% 3.00%
36 Month CD $1,000 $1,000 2.47% 2.50%
48 Month CD $1,000 $1,000 1.98% 2.00%
60 Month CD $1,000 $1,000 2.47% 2.50%
IRA CERTIFICATES OF DEPOSIT (IRA CD):
3 Month IRA CD (91-Day) $1,000 $1,000 3.44% 3.50%
6 Month IRA CD (182-Day) $1,000 $1,000 3.68% 3.75%
12 Month IRA CD $1,000 $1,000 3.92% 4.00%
18 Month IRA CD $1,000 $1,000 2.96% 3.00%
18 Month Roth IRA CD $1,000 $1,000 2.96% 3.00%
24 Month IRA CD $1,000 $1,000 2.96% 3.00%
CDARS®:
4 Week CD $250,000 $250,000 3.44% 3.50%
13 Week CD $250,000 $250,000 3.44% 3.50%
26 Week CD $250,000 $250,000 3.68% 3.75%
52 Week CD $250,000 $250,000 3.92% 4.00%

At City First Bank, we offer competitive deposit rates across a full suite of accounts—designed to help businesses, nonprofits and individuals grow their funds while supporting community development. Explore our current rates and account options below.

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