First Bank Richmond offers various fixed-rate certificate of deposit options with terms spanning from one year up to multiple years, featuring standard yields such as approximately 3.05 percent APY for one-year and eighteen-month terms, 3.15 percent APY for two-year terms, and up to 3.25 percent APY for three-year, four-year, and five-year terms, requiring a minimum balance of one thousand dollars. These rates are subject to change without notice based on broader economic conditions and institutional funding strategies, meaning potential depositors should verify current offerings directly on their official website.