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Certificate of Deposit/IRA Special

Now offering a special 11-month Certificate of Deposit (CD) or Individual Retirement Account (IRA)

To help you achieve your dreams, First Bank and Trust offers the best rates in the market on Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) –   APY1 on an 11-month term or get   APY1 if you open your 11-month CD or IRA with a new checking account with Direct Deposit.  First Bank and Trust consistently offers some of the best rates in the market on Certificates of Deposit.

  • Great earning rates
  • Term less than one year
  • Federally insured investment

Open a CD or IRA with a  APY or   APY on an 11-month term1 today.

Save more towards your dreams. To take advantage of this special rate on our CD/IRAs, open an account online or call 877-426-2498 for assistance from a friendly First Bank & Trust representative.

For Additional Information

For additional information please complete and submit this form and submit to be contacted by a First Bank and Trust associate who will be honored to help you!  For your personal security, please do not include account numbers, social security numbers, or other non-public information on this form.  

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1Special 11-month term:
Certificates of Deposit (CD) or Individual Retirement Accounts (IRA) requires a minimum deposit of $1,000.  Interest must be received at least annually.  Balances are insured up to applicable FDIC limits.  If CD or IRA funds are withdrawn prior to maturity, an early withdrawal penalty will apply and may reduce earnings.  IRAs are governed by federal tax laws and distribution penalties may apply if you withdraw funds from your IRA. Check with your tax or legal advisor.  Not valid for brokered CDs.

Your Certificate of Deposit may receive a higher rate of 2.10% with an annual percentage yield of 2.12% if you (1) open a checking account with at least $1,000 of new money not currently on deposit with FBT; and (2) establish and maintain a Direct Deposit at account opening from an employer or the government in the form of an electronic (ACH), from a paycheck, pension, or government benefit with recurring monthly deposits of at least $500 per statement cycle.  Direct Deposits do not include deposits or transfers made by an individual via online banking or payment provider. Checking account must remain open and active during the term of the CD/IRA to maintain the higher APY. 

2Annual Percentage Yield (APY):
The Annual Percentage Yield (APY) assumes that interest remains on deposit until maturity. APY is effective 01/15/2020 and is subject to change at any time.  Limited time promotion which may be withdrawn at any time without notice.  CD/IRA compounds daily and is paid monthly.