Independence Day Closure

In observance of Independence Day, all FBT locations will be closed on Monday, July 4th.  Normal business hours will resume on Tuesday, July 5th.  

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Certificates of Deposit (CDs)

Guaranteed returns make this a smart investment.

The longer the term, the higher your yield.

When you set aside cash and leave it untouched, First Bank and Trust's CDs maximize your savings. We provide multiple options for customers in Louisiana, Mississippi and Florida, whether the goal is to build short-term savings or plan for retirement.

  • Terms available from 30 days to 5 years
  • Rate won't change during the term
  • Interest can be paid monthly, quarterly or annually
  • All deposits are FDIC-insured

Individual Retirement Accounts

Save with a brighter tomorrow in mind with a First Bank and Trust IRA, built on the foundation of our CDs in terms of 12 to 60 months. Open with a $1,000 minimum deposit and start building your nest egg.

Special Offer CDs/IRAs1

First Bank and Trust sometimes offers special rates and terms on Certificates of Deposit. Check our special offers and rates to see what specials may be available. 


Stated Annual Percentage Yields (APYs) assumes funds will remain on deposit for the stated term.

Rates may change at any time without notice.

Fees may reduce earnings.

Minimum to open CDs and IRAs are $1000 unless otherwise stated.

A penalty may be imposed for early withdrawal. If IRA funds are withdrawn prior to maturity, an early withdrawal and distribution penalties may apply; check with your tax advisor.

Maturity notices are sent on all CDs and IRAs fifteen days prior to maturity.

Interest is compounded daily and paid monthly. Interest can be paid into an internal or external account or remain on deposit in your account. 

1Limited time offer, can be withdrawn at any time without notice. 

Deposit balances are insured up to the applicable FDIC limits. A bank associate can provide you with detailed information about FDIC insurance or you can learn more by visiting