Hometown Banking for Over 25 Years
Community First Bank for loans, mortgages, savings and investments in Fairview Heights, Swansea, Belleville, O'Fallon, Shiloh and the Metro-East area
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Personal checking Certificates of Deposit Personal savings and investments Personal loans
Certificates of Deposit

A steady and safe way to build your future!

Community First Bank offers a variety of certificate savings plans at competitive market rates to all levels of savers. Certificates of Deposit are available for personal or business customers and are designed to reward depositors who can deposit funds and leave them on deposit for a specific length of time. CDs offer you peace of mind and great
earnings potential, without risking what you worked hard to save. Most of our CDs require a minimum deposit of $1,000. Please check our weekly CD Specials which may require higher minimum opening balance and may offer higher rates of interest.

For the larger investor, Community First Bank offers the JUMBO Certificate of Deposit. This certificate may offer even a higher rate of Interest.

Minimum Deposit: $100,000
Terms 30 days to 1 year

The interest rate earned on Certificates is fixed for the term of the deposit. Please see our Interest Rate Table for the current interest rate yields earned for various terms on this account. CD Interest is compounded and credited to your account quarterly. On all balances of $25,000 and over, interest can be paid monthly into an account or by check. Rates are subject to change at the discretion of the bank. A substantial penalty may be assessed for early withdrawal.

Your deposits are fully insured if you or your family's deposit accounts at this FDIC-Insured Institution total $250,000 or less. If you or your family has more than $250,000 at Community First Bank, you can still be fully insured if your accounts meet certain requirements. You can use EDIE (see below) to determine your insurance coverage beyond the basic $250,000 amount.

IRA Certificates of Deposit

How do you spell risk-free investing? IRA CD -- Individual Retirement Account Certificate of Deposit. IRAs are the mainstay for many retirement strategies. By adding a fixed rate certificate of deposit to your plan, you can increase your savings with predictable interest earnings. These FDIC-insured instruments are among the safest retirement investments around. They provide steady growth without the ups and downs of other retirement vehicles. Depending on which IRA CD you choose (Traditional, Roth or Coverdell Education Savings Account), your money grows with tax-deferred or tax-free compound interest. IRA Certificates of Deposit may be subject to substantial IRS penalties for early withdrawal.

Let us help you make the most of your IRA investing. Discover the benefits of a Community First Bank IRA CD.

Call today (618) 234-9500. We look forward to being of service to you!


Electronic Deposit Insurance Estimator (EDIE)

The Federal Deposit Insurance Corporation has available an Electronic Deposit Insurance Estimator--"EDIE". EDIE is a user-friendly Internet application that can calculate deposit insurance for users.

EDIE will guide you through some questions about deposit accounts and then will print out a report clearly showing the amount of insurance coverage for those accounts. EDIE is designed to allow even novice computer users the ability to get accurate statements of deposit insurance coverage. Click here to go to the EDIE site.

Deposit Account Agreement & Disclosure Funds Availability Policy
Certificate: $1,000 to $100,000
Terms: 180 days thru 5 years
Community First Bank provides banking services for Fairview Heights, Swansea, Belleville, O'Fallon, Shiloh and the Metro-East St. Louis area. Personal services include checking, CDs, savings & investments and loans. Business services include checking, CDs, loans and other business services. We also offer online banking. Other services include the CFB Debit/ATM Card, safe deposit boxes, telephone banking and credit card services. See our rates for interest bearing accounts.
Contact Us
Community First Bank

4600 North Illinois Street • Fairview Heights, IL 62208
Corner of Route 159 & Frank Scott Parkway
Phone (618) 234-9500          Fax (618) 234-9585
Community First Bank will NEVER ask you to verify your account information online, nor will we request this information through email. Community First Bank will not ask you to supply any account information or personal information by phone or email. Any official requests for sensitive information will be written on bank letterhead. If you are in doubt regarding the validity of a request for information, please feel free to contact the bank directly for confirmation. If you think you are a victim of identity theft or if you are solicited for information, please contact the bank immediately at (618) 234-9500.