Do you have money you'd like to invest? If so, you'll love our Certificates of Deposits featuring competitive and guaranteed interest rates, a wide range of terms and the assurance of FDIC insurance.

First Niagara Bank offers Certificates of Deposits with terms ranging from 7 days to 10 years. You pick the term that meets your priority. And you can get started and open any of our CDs with as little as $500.

Withdraw the interest earned on your account at any time. Have it transferred to your First Niagara Bank checking or savings account, mailed to you in the form of a check, or keep it in your CD account and watch your balance grow.

Our CDs can also be used to fund your IRA account. Additional deposits can be made to your 18-month IRA account at any time - helping you to reach your retirement savings goal even quicker.