Special Rate 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. Minimum Balance to Open is also minimum balance required to obtain stated Annual Percentage Yield (APY).

Certificate of Deposits (CDs)

AccountMinimum Balance to EarnInterest RateAnnual Percentage Yield (APY)Interest Compounds
13 Month CD* $5,000 2.72% 2.75% Monthly


Jumbo Certificate of Deposits (CDs)

AccountMinimum Balance to OpenInterest RateAnnual Percentage Yield (APY)Interest Compounds
13 Month CD* $100,000 2.84% 2.88% Monthly


View a Complete List of Our CD Rates ›


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
  • 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 category by the FDIC. Fees could reduce the earnings on the above accounts. Interest rates are subject to change at any time.

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*Special term rates.

All rates subject to change at CD maturity. A penalty will be imposed for early withdrawl.