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CD Certificate of Deposit

Choose CD options ranging from 3 months to 5 years and lock in a competitive interest rate that is guaranteed for the term of the investment. You can also save for retirement by opening an IRA CD ranging from 1 to 5 years. Select a term from the table below and start saving today!

First Trade is proud to offer access to multi-million dollar FDIC insurance on deposits through the Certificate of Deposit Account Registry Service® (or CDARS®) on balances starting at $100,000. Please contact us for more information on CDARS®.

Account type Term Rate APY1 Minimum Balance to Open Minimum Balance to Obtain APY

Certificates of Deposit





1 Annual Percentage Yield (APY) accurate as of . Rate may change after account is opened and fees could reduce earnings.
  FDIC–insured up to at least $250,000 per depositor.
The rates for all CDs are guaranteed for the length of the term.
Interest rates are subject to change without notice and will be determined at the discretion of the Bank.
Our 3, 5, 6 and 9 month CDs accrue interest daily and interest is credited at maturity.
Our CDs with terms of 13 and 18 months, 1, 2, 2½, 3, and 4 years compound and credit interest monthly.
Our 15 month and 5 year CDs compound and credit interest quarterly.
Our 15 month Step-Up CD and IRA may be converted to a higher rate one time only during the 15 month term.
Early withdrawal fees will reduce earnings. CDs with terms of 3, 5 and 6 months will be assessed a penalty of 3 months simple interest.
9 month CDs will be assessed a penalty of 180 days simple interest. All other CDs will be assessed a penalty of 365 days simple interest.

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