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Certificates and IRA


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Certificate of Deposits Accounts

Good things come to those who wait…even better to those who wait a little longer. With terms ranging from 3 months through 60 months, you are sure to find a product that fits your financial goals.

Check out our rates page for available terms, minimum balance requirements, and great rates.

Individual Retirement Accounts (IRAs)

Retirement will be here before you know it! Start to build up a fund now without annoying taxes nipping away. It’s a great way to supplement a 401k with a low risk alternative! Choose from Traditional, Roth, or Educational.

Our Certificate of Deposit IRAs are offered in terms ranging from 3 months through 60 months, Lincoln 1st would like to help ease your transition into retirement with a secure investment.

Check out our rates page for available terms, minimum balance requirements, and great rates.

Please call a Lincoln 1st representative for any additional fees and services related to our CD and IRA products.

 CDARS Program

CDARS is a safe, convenient and easy way to access FDIC insurance on deposits of $250,000 or more.

With CDARS you only have to worry about maintaining one relationship with Lincoln 1st Bank while enjoying the peace of mind of higher FDIC insurance coverage eligibility. You will benefit from CD-level interest rates and receive one statement directly from Lincoln 1st Bank.

For more information about CDARS, please contact one of our branches. Contact Us


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Placement of funds through the CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before CDARS settlement for a deposit or after CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of CDARS satisfies those restrictions. CDARS is a registered service mark of Promontory Interfinancial Network, LLC.