CDs and IRAs

 

Certificates of Deposit

Rates are effective as of October 15, 2018.

Rates & Annual Percentage Yields (APY) are based on monthly compounding, quarterly compounding on the 13 and 24 month CD's, and are subject to change without notice.

Penalties may be imposed for early withdrawal.

Minimum Balance to open CD is $1,500.

Term:

$1,500 - <$10,000

$10,000 - <$25,000

$25,000 - <$100,000

$100,000 - <$250,000

$250,000 & Over

6 Month CD

.85 /.85 APY

.90/ .90 APY

.95 / .95 APY

1.05 / 1.06 APY

1.15 / 1.16 APY

11 Month Add On CD

.95 / .95 APY

1.00 / 1.00 APY

1.05 / 1.06 APY

1.15 / 1.16 APY

1.25 / 1.26 APY

12 Month CD

1.10 / 1.11 APY

1.15 / 1.16 APY

1.20 / 1.21 APY

1.25 / 1.26 APY

1.35 / 1.36 APY

13 Month Special CD

1.75 / 1.76 APY

1.75 / 1.76 APY

1.75 / 1.76 APY

1.75 / 1.76 APY

1.75 / 1.76 APY

 24 Month Special CD

 2.00 / 2.02 APY

 2.00 / 2.02 APY

2.00 / 2.02 APY 

 2.00 / 2.02 APY

2.00 / 2.02 APY 

24 Month Bump CD

1.45 / 1.46 APY

1.50 / 1.51 APY

1.55 / 1.56 APY

1.60 / 1.61 APY

1.70 / 1.71 APY

36 Month CD

1.75 / 1.76 APY

1.80 / 1.81 APY

1.85 / 1.87 APY

1.90 / 1.92 APY

2.00 / 2.02%

48 Month CD

1.95 / 1.97 APY

2.00/ 2.02 APY

2.05 / 2.07 APY

2.10 / 2.12 APY

2.20 / 2.22 APY

60 Month CD

2.20 / 2.22 APY

2.20 / 2.22 APY

2.20 / 2.22 APY

2.20 / 2.22 APY

2.30 / 2.32 APY

Relationship Pricing on CD's

Additional FB&T product and service relationships may increase the above listed rates.

 

 

Individual Retirement Accounts

Rates are effective as of January 1, 2018.

 Tier

Rate

APY

IRA (Under $25,000)

0.80%

0.80%

IRA ($25,000-$99,999.99)

0.85%

0.85%

IRA (Over $100,000)

0.90%

0.90%

 

 

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