Grow Your Nest Egg with 4.85% APY Daily Compounding

Put your hard-earned money to work. With Firstwick High-Yield Savings, you earn up to ten times the national bank average, with interest compounded daily and credited every month. No minimum balance requirements, no tricky withdrawal penalties, and full FDIC insurance up to $250,000.

4.85% High-Yield APY Daily Compound Interest Fixed CDs up to 5.25% APY FDIC-Insured up to $250k

Calculate Your Interest

Growing financial nest egg with tablet and modern home office

High-Yield Savings Rate Variable rate • 10x national big-bank average

4.85% APY

Friendly Guidance for Savers and Retirees

Questions about moving money from another bank or choosing the best CD term? Speak with a warm, patient banking specialist anytime at 1-800-FIRST-WICK (1-800-347-7894).

Call 1-800-FIRST-WICK

SEE YOUR MONEY GROW

Interactive Savings & Interest Calculator

See the difference 4.85% APY compound interest makes over 3 years compared to the standard 0.01% offered by traditional mega-banks.

Initial Deposit Amount $10,000

Monthly Recurring Addition $500/mo

*Calculations based on 36 months of daily compounding at Firstwick's 4.85% APY versus the national average of 0.01% APY published by the FDIC.

Projected 3-Year Balance

$30,248

Total interest earned with Firstwick: +$2,248

Mega-Bank Earned (0.01% APY): +$8

Your Extra Firstwick Earnings: +$2,240

GUARANTEED FIXED RETURNS

Certificates of Deposit (CDs)

Lock in premium fixed interest rates from 3 to 60 months. Enjoy complete peace of mind knowing your rate is guaranteed regardless of market fluctuations.

Certificate Term	Annual Percentage Yield (APY)	Minimum Opening Amount	Interest Payout Schedule	FDIC Insurance Protection
3-Month Fixed CD	4.75% APY	$500	Monthly or at Maturity	Insured up to $250,000
6-Month Fixed CD	5.10% APY	$500	Monthly or at Maturity	Insured up to $250,000
12-Month Fixed CD Most Popular	5.25% APY	$500	Monthly or at Maturity	Insured up to $250,000
24-Month Fixed CD	4.90% APY	$500	Monthly or at Maturity	Insured up to $250,000
36-Month Fixed CD	4.75% APY	$500	Monthly or at Maturity	Insured up to $250,000
60-Month Fixed CD	4.65% APY	$500	Monthly or at Maturity	Insured up to $250,000

Early withdrawal penalties apply if certificate funds are redeemed prior to maturity date. Interest can be automatically reinvested or transferred monthly into your Everyday Checking account.

ORGANIZED SAVINGS

Personalized Savings Goals & Buckets

Create dedicated buckets inside your High-Yield Savings account without opening multiple accounts or keeping track of separate logins.

Emergency Fund Bucket

Build a safe 3-to-6 month cushion for life's unexpected turns. Keep it separate from everyday spending while earning top-tier 4.85% APY on every single dollar.

Home & Family Bucket

Saving for a down payment, a kitchen remodel, or grandchildren's milestone gifts? Track your progress with visual meters that cheer you on as you reach each target.

Auto-Save Payday Rules

Set automated transfers that move $50, $100, or any custom amount from your checking account into your savings buckets the day your paycheck lands.

COMMON QUESTIONS

High-Yield Savings & CD FAQs

Clear, honest answers to help you make informed decisions about your savings.

Interest on your High-Yield Savings account compounds daily based on your end-of-day available balance. On the final business day of each month, your accumulated interest is automatically deposited and added to your balance, so you begin compounding on your new total the very next morning.

Yes. You have complete flexibility. You can transfer funds instantly between your Firstwick High-Yield Savings and Everyday Checking accounts 24 hours a day, 7 days a week, with zero fees or withdrawal limits.

Yes. All deposits in Firstwick checking, savings, and CD accounts are FDIC-insured up to $250,000 per depositor, for each account ownership category. This protection is backed by the full faith and credit of the United States Government.

We send you a clear notification 30 days and 7 days prior to maturity. When your CD matures, you have a 10-day grace period to withdraw the principal and earned interest with zero penalty, roll it into a new CD term, or transfer it to your High-Yield Savings account.