Certificates of Deposit (CDs)

Lock In Your Rate for a Guaranteed Return

Invest your funds in a First Bank and Trust CD. Lock-in your rate for terms from 30 days to 5 years (see chart below). Plus, you’ll enjoy the peace of mind of FDIC insurance.

It’s easy to open an account, make your selection today.

Certificates of Deposit
Account Overview Short-Term Long-Term
Locks in your rate for the term of the investment 1 Month (7–31 Days) CD 18 Month CD (18 to 23 months)
Features and Benefits 3 Month (32–90 Days) CD 2 Year CD (24 to 35 months)
Terms are available up to 5 years

Minimum balance to open a CD is $1,000 (unless stated otherwise)

Interest can be paid monthly, quarterly or annually1

6 Month (91–180 Days) CD 3 Year CD (36 to 47 months)
9 Month (181–364 Days) CD 4 Year CD (48 to 59 months)
1 Year CD (12 to 17 months) 5 Year CD (60 months only)

1 You may receive interest at maturity if the CD term is one year or less; for CDs with a term of 1 year or longer, the interest must be received at least annually.

For a complete description of our service charges and fees, please review our Personal Fee Schedule.