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Time Deposits

BCB Community Bank offers a wide variety of Certificate of Deposits (CD) and IRA’s in a number of terms.

Time Deposits   Interest Rate APY**
6 Month CD   0.20% 0.20%
12 Month CD   0.45% 0.45%
2 Year CD   0.75% 0.75%
3 Year CD   1.00% 1.00%
4 Year CD   1.19% 1.20%
5 Year CD   1.39% 1.40%
  • Minimum deposit of $500.00 required to open account
  • $500.00 minimum balance to obtain APY
*Annual Percentage Yield accurate as of 1/5/2015 and is subject to change without prior notice.
**Annual Percentage Yield

Individual Retirement Accounts (IRA)
BCB Community Bank offers Traditional, Roth, and Educational IRA’s
  • Minimum term is 12 months
  • Minimum deposit of $500.00 required to open account
  • $500 minimum balance to obtain APY
  • IRS may impose additional penalties for early withdrawals
   42 Month IRA Special Click here
Account Terms
  • Interest compounded continuously and credited monthly
  • Annual percentage yield (APY) assumes interest remains on deposit, withdrawals of interest will reduce earnings
  • The interest rate for your account will be paid until maturity
  • Your account will automatically renew at its maturity. You will have seven calendar days from maturity date to withdraw your funds or your certificate will automatically rollover
  • If any deposit is withdrawn before the maturity date a penalty is applied. A loss of three months interest on 91 day, 6 month, and 9 month CD’s and a loss of 6 months interest on all CD’s 12 months and over
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