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PLANNING FOR LONG-TERM SAVINGS

Certificates Of Deposit

Certificates of Deposit (CDs) allow you to choose a set period of time to earn a guaranteed fixed interest rate. Whether you are saving for tomorrow, college tuition, or retirement, CDs are a convenient way to plan for long-term savings.

CERTIFICATES OF DEPOSIT

Promotional CD Rates

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Type
Type
CD term
Account
5 Months
Rate
Rate
Interest Rate
APY

5.00% APY

(zero points)
Amount
Amount
Minimum to open
APR
$2,500
Type
Type
CD term
Account
11 Months
Rate
Rate
Interest Rate
APY

4.25% APY

(zero points)
Amount
Amount
Minimum to open
APR
$2,500
Type
Type
CD term
Account
23 Months
Rate
Rate
Interest Rate
APY

3.70% APY

(zero points)
Amount
Amount
Minimum to open
APR
$2,500
Type
Type
CD term
Account
35 Months
Rate
Rate
Interest Rate
APY

3.45% APY

(zero points)
Amount
Amount
Minimum to open
APR
$2,500
Type
Type
CD term
Account
59 Months
Rate
Rate
Interest Rate
APY

3.25% APY

(zero points)
Amount
Amount
Minimum to open
APR
$2,500
Annual Percentage Yield (APY) is subject to change at any time without notice at the bank’s discretion.
Rates are current as of January 16th, 2024.
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What is a Certificate of Deposit?

Certificates of Deposit, or CDs, are a type of financial account that is designed to hold a fixed amount of money for a fixed amount of time. If you are looking for a low-risk investment option that can help you grow your savings, a CD may be worth considering.

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What are the benefits of a Certificate of Deposit?

There is a lot to consider when deciding whether a Certificate of Deposit (CD) is the right savings option for you. Learn more about the benefits, potential risks, and the decision-making process for opening a CD to decide if this option is right for you.

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DISCLOSURES:

Annual Percentage Yield (APY) is subject to change at any time without notice at the bank’s discretion. Rates are effective as of 1.16.2024. CDs require a $2,500 minimum deposit of new funds to open the account and obtain the APY. New funds are not funds currently on deposit at Firstrust Bank or through Firstrust Financial Resources. $500,000 maximum deposit. All other terms and conditions of the Bank's CDs, including compounding of interest, are available in the Bank's current Truth in Savings Disclosure. Eligible for Regular CDs and Traditional, Roth and SEP IRAs. There is a penalty for early withdrawal. Additional federal penalties may apply for IRA CD withdrawals below age 59 1/2. (Please consult your tax advisor.) There is a seven calendar day grace period at maturity.

Online banking features may be limited or different for every customer based on their account type and/or other factors. Minimum system requirements must be met to access online banking.

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Retail Account Agreement, Funds Availability, & Electronic Funds Transfer (EFT) Disclosure

Retail Banking Fee Schedule

Truth in Savings Disclosure