CDs and IRAs

Certificates of Deposit

Rates are effective as of February 16, 2024.

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 - 4.55 / 4.65 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 - 4.20 / 4.28 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	3.10 / 3.14 APY	3.15 / 3.20 APY	3.15 / 3.20 APY	3.20 / 3.25 APY	3.20 / 3.25 APY
11 Month Add On 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
12 Month CD	3.55 / 3.61 APY	3.60 / 3.66 APY	3.60 / 3.66 APY	3.65 / 3.71 APY	3.65 / 3.71 APY
24 Month Bump CD	3.95 / 4.02 APY	4.00/ 4.07 APY	4.00 / 4.07 APY	4.05 / 4.13 APY	4.05 / 4.13 APY
36 Month CD	3.30 / 3.35 APY	3.35 / 3.40 APY	3.35 / 3.40 APY	3.40 / 3.45 APY	3.40 / 3.45 APY
48 Month CD	3.40 / 3.45 APY	3.45 / 3.51 APY	3.45 / 3.51 APY	3.50 / 3.56 APY	3.50 / 3.56 APY
60 Month CD	3.50 / 3.56 APY	3.50 / 3.56 APY	3.50 / 3.56 APY	3.55 / 3.61 APY	3.55 / 3.61 APY

Individual Retirement Accounts

Rates are effective as of October 1, 2023.

Tier	Rate	APY
IRA (Under $25,000)	2.90%	2.94%
IRA ($25,000-$99,999.99)	2.95%	2.99%
IRA (Over $100,000)	3.00%	3.04%

Term Savings Individual Retirement Accounts

Rates effective February 16, 2024

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	3.95 / 4.02 APY	4.00 / 4.07 APY	4.00 / 4.07 APY	4.05 / 4.13 APY	4.05 / 4.13 APY
48 Month	3.40 / 3.45 APY	3.45 / 3.51 APY	3.45 / 3.51 APY	3.50 / 3.56 APY	3.50 / 3.56 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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