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Whether you're in the market for the right business account or need to reach a personal financial goal, First Bank and Trust provides you several banking solutions. Customers' reasons for turning to us are as varied as the people we serve in our Louisiana, Mississippi and Florida communities. From auto loans and mortgages to checking, savings, Certificates of Deposit (CDs), and more we'll help you find the best solution for your individual needs - all at competitively priced rates and annual percentage yields (APY).
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 If IRA funds are withdrawn prior to maturity, an early withdrawal and distribution penalties may apply; check with your tax advisor.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1Limited time offer, can be withdrawn at any time without notice.
2Direct Deposit – Higher APYs on each stated BUMP CD / IRA terms requires the opening of a checking account with minimum opening deposit of $1,000 of new money not on deposit with FBT and with direct deposit of a minimum of $500 per statement cycle with qualifying deposits from ACH paycheck, pension, or government benefit (like Social Security) from an employer or the government. Checking account must remain open and active during the term of the CD/IRA to maintain the higher APY.
3Interest rates are fixed for the term of the CD. Bump CDs feature a one-time option to increase the rate if FBT offers a higher rate on an identical term CD/IRA during the original certificate term. The option to exercise the rate bump feature can be used one-time and cannot be rescinded once requested. The new rate will only apply from the date of the rate adjustment through the remainder of the original term.
Current Prime Rate (WSJ) is 5.00%
Updated on 6-13-2018
Typically, customers finance their mortgage needs through our wholly-owned subsidiary, FBT Mortgage. Mortgage rates change frequently along with the market – at times, rates could change several times a day. To get current Mortgage Rates, please contact FBT Mortgage at:
Address: 6911 Washington Avenue
Ocean Springs, MS 39564
1All loans subject to credit approval
2Wall Street Journal Prime Rate
3 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 fdic.gov/deposit/deposits/faq.html
First Bank and Trust is not responsible for accuracy, security, content, or services offered by other websites; we encourage you to view privacy & security disclosures of all websites you visit as they may be different than those of First Bank and Trust.