Savings Accounts

Savings Accounts

Start building.

Feather your nest egg with a savings account today.

  • No minimum deposit to open
  • Variable rate
  • Interest compounded quarterly
  • Account must have accrued $.35 before interest is paid
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Money Market

Earn high rates.

Earn high rates and manage your cash investments with our Money Market account.

  • $1,000 minimum deposit to open
  • Variable rate
  • Higher rates for higher balances
  • Interest compounded monthly
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Certificates of Deposit

CDs from First Bank and Trust

Competitive rates and unparalleled safety are the trademarks of our CDs.

  • $500 minimum deposit to open
  • Choose single maturity or automatic renewal
  • Fixed rate for term
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Tax Advantaged

Savings with Tax Benefits

Let Uncle Sam help you create wealth and save for college and medical expenses. Let us help you build financial security.

  • Traditional IRA
  • Roth IRA
  • SIMPLE plans
  • SEP IRA
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Christmas Club

Make Christmas merry!

Even St. Nick needs a little help! Have cash available for those Christmas bills.

  • Club choices- $1, $2, $3, $4, $5, $10 or $20 per week for 50 weeks
  • Fixed rate for term
  • Interest paid at maturity
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Health Savings Accounts

HSAs for Individuals

For eligible individuals who are covered under a High Deductible Health Plan (additional eligibility requirements apply)

  • Variable rate
  • Higher rates for higher balances
  • Interest compounded monthly
  • Maintain minimum balances of $1,000.00 to obtain APY
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On September 11, 2001, our lives changed forever. In an effort to protect you and our country, the USA PATRIOT Act was signed into law. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

When you open an account, we will ask for your name, address, date of birth, social security number, and other information that will allow us to identify you. We will ask to see your driver’s license and other identifying documents.

We proudly support all efforts to protect and maintain the security of our customers and our country.