CDs & IRAs

Maximize Tomorrow’s Savings Today

FirstCapital Bank of Texas isn’t just your bank—we’re the financial partner you can trust to help you reach all of life’s goals, today and tomorrow. Our Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) help bolster your portfolio and help you reach specific goals, from college or a first home to retirement.

Fixed Term CDs

Lock in a great rate for terms from 30 days to five years so you can meet short- and long-term savings goals and maximize your returns.* Contact us for a list of current interest rates.

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Two-Year Bump CD

Get security and flexibility with the CD that lets you “bump up” to a higher interest rate twice throughout the CD’s term—and protects you from rate decreases. This CD also offers the option to add up to $250,000 to the original deposit at any time.** Contact us for a list of current interest rates.

Traditional IRA

This tax-deferred traditional IRA may be distributed when you’re between the ages of 59½–70½, after which you must take an annual required minimum distribution. Regular IRA contribution limits do apply and are subject to change each tax year. Contact us for a list of current interest rates.

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Roth IRA

These post-tax Roth IRA contributions carry income limitations based on marital status and income levels and are subject to change each tax year. However, they do not require an annual minimum distribution at any specific age. Contact us for a list of current interest rates.

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SEP IRA

A Simplified Employee Pension (SEP) is one in which the employer contributes to an IRA and contributions are subject to income limitations. IRS Form 5305-SEP must be provided before the IRA can be opened. Contact us for a list of current interest rates.

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Coverdell Education Savings Account

Set up by a contributor for a minor’s future education expenses, this account includes a designated beneficiary, contributor, responsible individual and custodian/trustee. Contact us for a list of current interest rates.

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More Ways to Make the Most of Your Savings

Online and Mobile Banking

Whether you choose a CD or an IRA, you’ll enjoy the same anytime, anywhere, convenient access to your accounts with our Online and Mobile Banking.

CDARS

Protect your substantial deposits with The Certificate of Deposit Account Registry Service® (CDARS), which puts excess deposits above FDIC limits into CDs at other financial institutions.

DISCLAIMER

*Penalty for early withdrawal may apply.
**CDs must be open for at least six months before they’re eligible for a rate bump.