Certificates of Deposit (CDs)

Save for short and long-term goals with guaranteed fixed-rate returns and the protection of FDIC Insurance. Interest is determined by the 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 0.500 0.50 Monthly
47 Month CD* $1,000 1.000 1.00 Monthly
5 Year CD $1,000 1.050 1.06 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

 

Our founding Charter Members enjoy higher-rates for their deposits as a special thank you. 

Charter Member Certificate of Deposits (CDs)

AccountMinimum Balance to OpenInterest RateAnnual Percentage Yield (APY)Interest Compounds
30 Day CD $1,000 0.225 0.23 Monthly
90 Day CD $1,000 0.225 0.23 Monthly
180 Day CD $1,000 0.225 0.23 Monthly
1 Year CD $1,000 0.325 0.33 Monthly
13 Month CD* $1,000 0.625 0.63 Monthly
2 Year CD $1,000 0.475 0.48 Monthly
3 Year CD $1,000 0.625 0.63 Monthly
47 Month CD* $1,000 1.125 1.13 Monthly
5 Year CD $1,000 1.175 1.18 Monthly

 

Charter Member Jumbo Certificate of Deposits (CDs)

AccountMinimum Balance to OpenInterest RateAnnual Percentage Yield (APY)Interest Compounds
30 Day CD $100,000 0.350 0.35 At Maturity
90 Day CD $100,000 0.350 0.35 Monthly
180 Day CD $100,000 0.350 0.35 Monthly
1 Year CD $100,000 0.450 0.45 Monthly
13 Month CD* $100,000 0.750 0.75 Monthly

 

Details about FB&T Certificates of Deposit

If you are 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.

  • Available for IRAs
  • 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. Interest rates are subject to change at any time.

Inquire Now about our Certificates of Deposit (CDs) ›

*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.