Certificates of Deposit (CDs)

Save for short and long-term company goals with guaranteed fixed-rate returns and the protection of FDIC Insurance. Interest is determined by the minimum amount deposited into the CD and the term length.

Certificate of Deposits (CDs)

AccountMinimum Balance to OpenInterest RateAnnual Percentage Yield (APY)Interest Compounds
30 Day CD $1,000 0.100% 0.10% At Maturity
90 Day CD $1,000 0.100% 0.10% Monthly
180 Day CD $1,000 0.100% 0.10% Monthly
1 Year CD $1,000 0.200% 0.20% Monthly
13 Month CD* $1,000 0.500% 0.50% Monthly
2 Year CD $1,000 0.350% 0.35% Monthly
3 Year CD $1,000 1.000% 1.00% Monthly
47 Month CD* $1,000 1.500% 1.51% Monthly
5 Year CD $1,000 1.550% 1.56% Monthly


Jumbo Certificate of Deposits (CDs)

AccountMinimum Balance to OpenInterest RateAnnual Percentage Yield (APY)Interest Compounds
30 Day CD $100,000 0.225% 0.23% At Maturity
90 Day CD $100,000 0.225% 0.23% Monthly
180 Day CD $100,000 0.225% 0.23% Monthly
1 Year CD $100,000 0.325% 0.33% Monthly
13 Month CD* $100,000 0.625% 0.63% Monthly


Details about FB&T Business Certificates of Deposit

If your business or nonprofit organization is interested in a specific maturity date for your CD please contact a Personal Banker. Our CDs are automatically renewable. Interest on CDs is credited monthly for CDs with original terms 60 days or greater. For CDs with shorter terms interest is credited at maturity. Other payment options and frequencies exist. A penalty may be imposed for early withdrawal from CDs. Stated Annual Percentage Yield (APY) assumes that interest is left until maturity.

  • Interest on tiered accounts is paid on the entire balance of your account at the interest rate shown for the deposit tier which lists your balance
  • The rate may change after the account is opened
  • Certain restrictions for account opening apply
  • Minimum Term 30 Days
  • Interest Basis - Fixed rate paid on daily balance
  • Interest Compounding Period — Monthly
  • Interest Payment Period — Monthly

All deposits are insured to a maximum of $250,000 per depositor by the FDIC. Fees could reduce the earnings on the above accounts. Calculate your maximum FDIC insurance coverage ›

Your Complete Banking Solution

Along with expertise and highly-personalized banking relationships, we offer a suite of full-service and high-end banking products. We are here to be your complete financial solution – guiding you every step of the way. Let us assist your business with:

Inquire now about certificates of deposit

*For Certificate of Deposit ‘specials’ (for example, 7 month, 13 month, 47 month), you must call the Bank when the certificate automatically renews in order to continue to receive the ‘special’ rate. If you do not call, the ‘special’ Certificate of Deposit will renew at the regular Certificate of Deposit rate.