CDs and IRAs

 

Certificates of Deposit

Rates are effective as of October 1, 2022.

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.

Term

$1,500 - <$10,000

$10,000 - <$25,000

$25,000 - <$100,000

$100,000 - <$250,000

$250,000 & Over

6 Month CD

1.35 / 1.36 APY

1.40 / 1.41 APY

1.40 / 1.41 APY

1.45 / 1.46 APY

1.45 / 1.46 APY

11 Month Add On CD

1.35 / 1.36 APY

1.40 / 1.41 APY

1.40 / 1.41 APY

1.45 / 1.46 APY

1.45 / 1.46 APY

12 Month CD

1.70 / 1.71 APY

1.75 / 1.76 APY

1.75 / 1.76 APY

1.80 / 1.81 APY

1.80 / 1.81 APY

24 Month Bump CD

1.75 / 1.76 APY

1.80 / 1.81 APY

1.80 / 1.81 APY

1.85 / 1.87 APY

1.85 / 1.87 APY

36 Month CD

1.80 / 1.81 APY

1.85 / 1.87 APY

1.85 / 1.87 APY

1.90 / 1.92 APY

1.90 / 1.92 APY

48 Month CD

1.90 / 1.92 APY

1.95 / 1.97 APY

1.95 / 1.97 APY

2.00 / 2.02 APY

2.00 / 2.02 APY

60 Month CD

2.00 / 2.02 APY

2.00 / 2.02 APY

2.00 / 2.02 APY

2.05 / 2.07 APY

2.05 / 2.07 APY

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Individual Retirement Accounts

Rates are effective as of October 1, 2022.

 Tier

Rate

APY

IRA (Under $25,000)

1.30%

1.31%

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

1.35%

1.36%

IRA (Over $100,000)

1.40%

1.41%

 

Term Savings Individual Retirement Accounts

Rates effective October 1, 2022

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

1.75 / 1.76 APY

1.80 / 1.81 APY

1.80 / 1.81 APY

1.85 / 1.87 APY

1.85 / 1.87 APY

48 Month

1.90 / 1.92 APY

1.95 / 1.97 APY

1.95 / 1.97 APY

2.00 / 2.02 APY

2.00 / 2.02 APY

 

 

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