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Build Your Long-Term Savings with CDs & IRAs

Whether it's saving for a big purchase or planning for retirement, we've got you covered with long-term savings options that are FDIC-insured.  Learn how our Individual Retirement Account (IRA) options and CD accounts might be a good long-term savings strategy for you.


Certificates of Deposit Options

Certificate of Deposit (CD)

 

 

Better Interest Rates

CDs typically pay higher interest rates than other deposit products.

Terms

Choose your own terms

Pick the length of time that works best for your savings needs or goals.  Terms are flexible, ranging from 30 days to 60 months. 

Safety

Your funds are FDIC-insured up to the maximum applicable limits.

Description

Our Access CD gives you the ability to access your funds penalty free after the first seven days.*

Terms

$1,000 minimum to open. 24 month term.

Details

Minimum withdrawal allowed is $1,000.

Description

Our Bump-Up 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.

Terms

$1,000 minimum to open. Choose from a 24 month term or 36 month term.

Details

Ability to increase your rate before maturity.

Description

When you're planning for your future, our IRA certificates of deposit can help you take advantage of tax benefits and reach your retirement goals.

Terms

$1,000 minimum to open. Choose from a 6, 12, 24, 36, 48 or 60 month term.

Benefits

A Rollover IRA is one of several options for managing your previous employment retirement account.

Included with all First Trust Bank Accounts

  • Great value - You'll like our rates and the features that are included.
  • Convenience - 6 locations, free ATM's, & 24-7 online banking.
  • Service - Friendly, experienced bankers are always ready to help you.
  • Security - First Trust gets exceptional ratings for being strong and safe...We're a great place for your money. Bauer Financial has awarded us their highest 5-Star rating!
*A penalty will be charged as required by law if an additional early withdrawal is made within six days after an early withdrawal.