Bank · FDIC insured
First County Bank CD Rates
First County Bank’s best CD rate is 4.35% APY on a 14-month CD. Terms run from 2 months to 5 years. Rates checked October 15, 2026.
How First County Bank’s CD rates compare
Compared with banks and credit unions near Bridgeport, CT, where First County Bank has the most branches. $10,000, best rate first.
This bank’s best
First County Bank
4.35%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $509
Easy-Out CD
Top rate
The First Bank of Greenwich
4.60%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $499
2nd-highest rate
Nutmeg State Financial Credit Union
4.60%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $539
First County Bank CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First County Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Easy-Out CD
4.35%APY · 1 term
Must be opened in branch with new money (funds not currently on deposit with First County Bank). Principal may be withdrawn without penalty during the 5-calendar-day window beginning 7 months after account opening. Other early withdrawals subject to 6 months' interest penalty. Automatically renews at maturity as a 12-month CD without the Easy Out feature. Additional deposits not permitted. Must maintain minimum collected daily balance of $1,000.00 to obtain disclosed APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsMust be opened in branch with new money. $1,000 minimum opening deposit. Principal penalty-free withdrawal during 5-day window starting 7 months after opening; other early withdrawals penalized 6 months' interest. Renews as standard 12-month CD | 4.35% | $509 |
Sources (2)
All captured Oct 4, 2026
Certificates of Deposit
Up to 4.00%APY · 11 terms
Must maintain a minimum collected daily balance of $1,000.00 to obtain the disclosed APYs. A penalty for early withdrawal will be imposed. Fees could reduce earnings. 3 Month CD requires new money (funds not currently on deposit with First County Bank).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 2 months | 2.75% | $45 |
| 3 monthsMust be opened with funds not currently on deposit with First County Bank (New Money Only). Must be opened in branch | 4.00% | $99 |
| 6 months | 2.75% | $137 |
| 12 months | 0.15% | $15 |
| 13 months | 1.75% | $190 |
| 15 months | 1.00% | $125 |
| 18 months | 2.75% | $415 |
| 24 months | 3.00% | $609 |
| 36 months | 3.25% | $1,007 |
| 48 months | 0.50% | $202 |
| 60 months | 0.55% | $278 |
Sources (2)
All captured Oct 4, 2026
No Penalty CD
Up to 3.65%APY · 2 terms
Must maintain a minimum collected daily balance of $1,000.00 to obtain disclosed APYs. No withdrawal of any kind during the first 6 calendar days after initial deposit; after that, full balance may be withdrawn without penalty. No partial withdrawals allowed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsNo withdrawal during first 6 calendar days after deposit; thereafter withdrawal of entire balance permitted without penalty. No partial withdrawals | 3.50% | $320 |
| 18 monthsMust be opened in branch. Minimum opening deposit $1,000. No withdrawal during first 6 calendar days after deposit; thereafter full balance withdrawal allowed without penalty. No partial withdrawals | 3.65% | $552 |
Sources (2)
All captured Oct 4, 2026
Bump Rate CD
Up to 0.40%APY · 3 terms
Must maintain a minimum collected daily balance of $1,000.00 to obtain disclosed APYs. Early withdrawal penalty applies. Bump rate feature applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 0.30% | $45 |
| 30 months | 0.35% | $88 |
| 36 months | 0.40% | $120 |
Sources (1)
- firstcountybank.com/interest-rates · captured Oct 4, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.15%APY · 4 terms
Retirement IRA CD. You must maintain a minimum collected daily balance of $1,000.00 to obtain disclosed APYs. A penalty for early withdrawal will be imposed. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.15% | $315 |
| 18 months | 3.00% | $453 |
| 30 months | 3.00% | $767 |
| 60 months | 0.55% | $278 |
Sources (2)
All captured Oct 4, 2026
One Year Tax-Deferred CD
3.00%APY · 1 term
Tax-deferred certificate option. Must maintain a minimum collected daily balance of $1,000.00 to obtain the disclosed APY. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.00% | $300 |
Sources (2)
All captured Oct 4, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.