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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
7 Months Touchdown CD
Rate
Rate
Interest Rate
APY

4.25% APY
+ EAGLES POINTS

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

3.50% APY

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

3.00% APY

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

2.85% APY

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

2.75% 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 09.22.2024. 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.

The 7-Month TDCD will earn the initial Annual Percentage Yield (APY) from the date the TDCD is opened and funded through the date of the next Regular Season or Post Season game played during the 2024/2025 season. The APY for the 7-Month TDCD will increase in basis points by the number of points the Eagles score in the first game played after the 7-Month TDCD is opened (a basis point is equal to .01%). The increase, if any, will be effective on the first Firstrust Bank business day following that game and the new APY will be effective until the first maturity date. The 7-Month Touchdown CD is only eligible for a one-time basis point increase; the 7-Month Touchdown CD does not accumulate basis points for any other 2024/2025 season games. A new 7-Month TDCD must be opened prior to each game at the initial yield to earn basis points for that game. For example, if you open a 7-Month TDCD today, your APY will start at 4.25% and if the Eagles score 35 points in their next game after you fund the 7-Month TDCD, your APY is 4.25% plus 0.35% for a total of 4.60%. May not be combined with any other offer. See the 7-Month Touchdown CD Addendum for complete details.

This is a limited time offer. Initial APY on the 7-Month Touchdown CD is subject to availability and the offer may change or be withdrawn at any time and without notice at the bank’s discretion. The minimum deposit to open the account and obtain the APY is $2,500. $2,500 minimum deposit of new funds required. New funds are funds not currently on deposit at Firstrust Bank or invested through Firstrust Financial Resources. The maximum opening deposit for this 7-Month Touchdown CD is $500,000. All other terms and conditions of the 7-Month Touchdown CD, including compounding of interest, are the same as Firstrust Bank’s CDs as defined in the current Truth in Savings Disclosure. The APY may change after the account is opened. 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 591/2. (Please consult your tax advisor.) APY is accurate as of 09.22.2024. Available ion PA/NJ/DE only.

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

Retail Banking Fee Schedule

Truth in Savings Disclosure