CDs and IRAs

Certificates of Deposit

Rates are effective as of March 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 - 3.70 / 3.76 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.

13 Month CD Special - 3.90 / 3.97 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.

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Term	$1,500 - <$10,000	$10,000 - <$25,000	$25,000 - <$100,000	$100,000 - <$250,000	$250,000 & Over
6 Month 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
11 Month Add On CD	2.85 / 2.89 APY	2.90 / 2.94 APY	2.90 / 2.94 APY	2.95 / 2.99 APY	2.95 / 2.99 APY
12 Month CD	3.05 / 3.09 APY	3.10 / 3.14 APY	3.10 / 3.14 APY	3.15 / 3.20 APY	3.15 / 3.20 APY
24 Month Bump CD	3.35 / 3.40 APY	3.40 / 3.45 APY	3.40 / 3.45 APY	3.45 / 3.51 APY	3.45 / 3.51 APY
36 Month CD	2.80 / 2.84 APY	2.85 / 2.89 APY	2.85 / 2.89 APY	2.90 / 2.94 APY	2.90 / 2.94 APY
48 Month CD	2.90 / 2.94 APY	2.95 / 2.99 APY	2.95 / 2.99 APY	3.00 / 3.04 APY	3.00 / 3.04 APY
60 Month CD	3.00 / 3.04 APY	3.00 / 3.04 APY	3.00 / 3.04 APY	3.05 / 3.09 APY	3.05 / 3.09 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 March 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	3.35 / 3.40 APY	3.40 / 3.45 APY	3.40 / 3.45 APY	3.45 / 3.51 APY	3.45 / 3.51 APY
48 Month	2.90 / 2.94 APY	2.95 / 2.99 APY	2.95 / 2.99 APY	3.00 / 3.04 APY	3.00 / 3.04 APY

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CDs and IRAs

Certificates of Deposit

Click Here To Open Online

Term

$1,500 - <$10,000

$10,000 - <$25,000

$25,000 - <$100,000

$100,000 - <$250,000

$250,000 & Over

Individual Retirement Accounts

Tier

Rate

APY

Term

$1,500 - <$10,000

$10,000 - <$25,000

$25,000 - <$100,000

$100,000 - <$250,000

$250,000 & Over

CDs and IRAs

Certificates of Deposit

Click Here To Open Online

Term

$1,500 - <$10,000

$10,000 - <$25,000

$25,000 - <$100,000

$100,000 - <$250,000

$250,000 & Over

Individual Retirement Accounts

Tier

Rate

APY

Term

$1,500 - <$10,000

$10,000 - <$25,000

$25,000 - <$100,000

$100,000 - <$250,000

$250,000 & Over

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