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CDs and IRAs

If you’re looking for peace of mind and guaranteed returns on your savings, CDs and IRAs are a definite must in your financial strategy.

Certificates of Deposit (CDs)

Our certificates of deposit allow you to earn guaranteed returns over a specific period of time, no matter what happens in the financial markets.

8 Month CD Special - 2.00% APY*

If you're searching for a safe, convenient, and rewarding way to save for the future, look no further! Our 8 Month CD special offers an attractive 2.00% APY*
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*2.00% Annual Percentage Yield (APY) effective October 1, 2019 and subject to change. $1,000 minimum deposit to open an 8 Month CD. Must open and/or maintain a FFBT checking account with a $1,000 daily minimum balance. APY reduced by 0.20% to 1.80% APY if checking account is not opened or, during the term of the CD, minimum daily balance is less than $1,000. Penalty imposed for early withdrawal made during the CD term. Maximum balance of $250,000. Offer may end at any time. Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. This product automatically renews into a 6 month CD at maturity.


42 Month Bump CD - 1.85% APY*

Are you looking for a safe and a rewarding place to save for the future but rising interest rates leave you uncertain? If you want to start building your funds in a CD, but you want to be able to move those funds if a better rate becomes available, the Bump CD might be right for you.
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*1.85% Annual Percentage Yield (APY) effective August 12, 2019 and subject to change. $1,000 minimum deposit to open a 42 Month CD. Must open and/or maintain a FFBT checking or savings account with a $1,000 daily minimum balance. APY reduced by 0.20% to 1.65% APY if checking or savings account is not opened or, during the term of the CD, minimum daily balance is less than $1,000. A one-time (1 time) rate Bump can occur at any time during the CD term. The rate will bump up to the current posted rate closest to but not exceeding the remaining term left on the CD. Promotional rates for special offers made available during the CD term are excluded from the rate Bump option. The new interest rate and APY will remain in effect for the remainder of the CD term. If at any time during the term of your CD you want to exercise the Bump Option, stop in at your local branch. Penalty imposed for early withdrawal. Maximum balance of $250,000. Offer may end at any time. Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. This product automatically renews into a 36 month CD at maturity.



Individual Retirement Accounts (IRAs)

Let us help you save for your retirement. Our retirement account offerings include Traditional IRAs, Roth IRAs, and Simplified Employee Pension plans (SEP).