CDs and IRAs

 

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

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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

 

 

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