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.

 

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

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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