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Personal Banking

Personal Banking

Personal Banking

Certificates of Deposit

For the highest returns on your savings as well as the peace of mind that comes from knowing your principal investment is safe and growing, choose a First Trust CD.

Available in maturities from 30 days to 5 years.

Minimum $1000 deposit

Certificates of Deposit provide $250,000 in FDIC insurance. Ask about how we may be able to structure your CDs for up to $1 million in FDIC insurance.

We can help you ladder multiple CD maturities for optimal returns and frequent access to your money.

Our most popular Certificates of Deposit are our Rising Rate CD's which allow you  to lock in a guaranteed rate and still have the option to take out your money without penalty at 6 month or 1-year intervals if better rates become available. Call us today for our current interest rates.

Rising Rate CD - two types

  • Our 24- month term offers access to your funds at 6-month intervals.
  • Our 36- month term offers access to your funds at one year intervals.
  • If your funds are left in the CD, your interest rate increases at each respective interval.

Access CD

  • Our 24-month Access CD gives you the ability to access your funds penalty free any time you wish after the first seven days.
  • Secure your rate; maintain liquidity.
  • Withdrawals must be a minimum of $1000.

Bump-Up CD

  • Our 24-month CD gives you the ability to increase your rate one time during the life of the CD if interest rates go up before your certificate matures.
  • Also available in a 36 month term.

First Trust has a large selection of maturities available. Call us for our current interest rates

FDIC Equal Housing Lender