Certificates of Deposit
Rates are effective as of January 1, 2023.
Rates & Annual Percentage Yields (APY) are based on monthly compounding and are subject to change without notice.
Penalties may be imposed for early withdrawal.
Minimum Balance to open CD is $1,500.
Relationship Pricing on CD's - Additional FB&T product and service relationships may increase the above listed rates.
7 Month CD Special - 3.50 / 3.56 APY Minimum $1,500 to open. Interest is compounded monthly. Interest penalty will be imposed for early withdrawal. Auto-renews into a 12 month certificate of deposit. The Annual Percentage Yield is effective through the date of this issue. The APY is subject to change without notice.
Term
|
$1,500 - <$10,000
|
$10,000 - <$25,000
|
$25,000 - <$100,000
|
$100,000 - <$250,000
|
$250,000 & Over
|
|---|
|
6 Month CD
|
2.10 / 2.12 APY
|
2.15 / 2.17 APY
|
2.15 / 2.17 APY
|
2.20 / 2.22 APY
|
2.20 / 2.22 APY
|
|
11 Month Add On CD
|
2.35 / 2.38 APY
|
2.40 / 2.43 APY
|
2.40 / 2.43 APY
|
2.45 / 2.48 APY
|
2.45 / 2.48 APY
|
|
12 Month CD
|
2.55 / 2.58 APY
|
2.60 / 2.63 APY
|
2.60 / 2.63 APY
|
2.65 / 2.68 APY
|
2.65 / 2.68 APY
|
|
24 Month Bump CD
|
2.60 / 2.63 APY
|
2.65 / 2.68 APY
|
2.65 / 2.68 APY
|
2.70 / 2.73 APY
|
2.70 / 2.73 APY
|
|
36 Month CD
|
2.30 / 2.32 APY
|
2.35 / 2.38 APY
|
2.35 / 2.38 APY
|
2.40 / 2.43 APY
|
2.40 / 2.43 APY
|
|
48 Month CD
|
2.40 / 2.43 APY
|
2.45 / 2.48 APY
|
2.45 / 2.48 APY
|
2.50 / 2.53 APY
|
2.50 / 2.53 APY
|
|
60 Month CD
|
2.50 / 2.53 APY
|
2.50 / 2.53 APY
|
2.50 / 2.53 APY
|
2.55 / 2.58 APY
|
2.55 / 2.58 APY
|
Individual Retirement Accounts
Rates are effective as of January 1, 2023.
Tier
|
Rate
|
APY
|
|---|
|
IRA (Under $25,000)
|
2.15%
|
2.17%
|
|
IRA ($25,000-$99,999.99)
|
2.20%
|
2.22%
|
|
IRA (Over $100,000)
|
2.25%
|
2.27%
|
Term Savings Individual Retirement Accounts
Rates effective January 1, 2023
Rates & Annual Percentage Yields (APY) are based on quarterly compounding and are subject to change without notice.
Penalties may be imposed for early withdrawal.
Term
|
$1,500 - <$10,000
|
$10,000 - <$25,000
|
$25,000 - <$100,000
|
$100,000 - <$250,000
|
$250,000 & Over
|
|---|
|
24 Month
|
2.60 / 2.63 APY
|
2.65 / 2.68 APY
|
2.65 / 2.68 APY
|
2.70 / 2.73 APY
|
2.70 / 2.73 APY
|
|
48 Month
|
2.40 / 2.43 APY
|
2.45 / 2.48 APY
|
2.45 / 2.48 APY
|
2.50 / 2.53 APY
|
2.50 / 2.53 APY
|
|
