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Certificates of Deposit (CDs)

Certificates of Deposit (CDs) offer you an opportunity to earn a higher rate of return on a safe, secure investment. You can select from a wide range of Capital City Bank CDs, with maturities ranging from 14 days to 5 years. With full FDIC insurance coverage up to the maximum allowed by law, this might be the right investment option for you.
  • Fixed rate of interest for the term of the CD
  • Your CD can automatically renew
  • Grace period of 10 calendar days after maturity to withdraw funds without a penalty (14-day CD has a 3-day grace period)
  • Flexible interest payment options
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Three generations

Withdrawals prior to maturity may be subject to an early withdrawal penalty.

Click for current rates


Ultimate Option CD

Ultimate Option CD is a 36-month CD with flexible options to meet your needs.
  • Increase your rate one time during the term of the CD*
  • Add money any time during the term of the CD*
  • Withdraw money one time without a penalty*
  • $5,000 opening deposit
  • Interest compounded semi-annually
*Rate may be increased one time during the term to the current rate being paid for a standard 36-month certificate of deposit. Additional deposits may be made except during the ten days prior to maturity date, minimum $500, up to the original amount of the certificate of deposit. A one time early withdrawal of up to 50% of the balance may be made after six days of date open with no penalty. A substantial interest penalty is charged for additional withdrawals.

Individual Retirement Accounts (IRAs)

Individual Retirement Accounts (IRAs) can be an important part of a savings plan to provide for a financially secure retirement. IRAs offer you important tax-savings advantages, including tax deferrals on interest earnings until withdrawal. Capital City Bank offers fixed rate IRA investments with terms from 3 months to 60 months for both Traditional and Roth IRAs. Please consult with your tax advisor regarding deductibility of contributions and other tax benefits.
  • Traditional IRAs allow you to defer taxes on your earnings until they are withdrawn. You are eligible for a Traditional IRA if you are under the age of 70-1/2 for the entire tax year and either you or your spouse had earned income within that year.

  • Roth IRAs allow you to accumulate assets for retirement purposes and certain other allowable distributions. The earnings on this account are tax-deferred and certain distributions are also tax-free.
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