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Last Updated: 04/18/2025

First Bank and Trust Co. Certificates of Deposit

from First Bank & Trust Co.

Last Updated: 04/18/2025

First Bank and Trust Co. Certificates of Deposit logo
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Highlights

APY (Annual Percentage Yield)

N/A

Minimum Opening Deposit

Starting at $1,000

Certificate Term

  • 1 month
  • 3 months
  • 6 months
  • 12 months
  • 18 months
  • 2 years
  • 30 months
  • 3 years
  • 4 years
  • 5 years
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First Bank and Trust Co. Certificates of Deposit Review

First Bank and Trust Co. Certificates of Deposit are offered by First Bank & Trust Co., a bank founded in 1988 and based in Ardmore, OK. First Bank and Trust CD are available in 1 state.

Key Takeaways

  • Small selection of CD account types. First Bank and Trust CD only offers IRA and traditional CDs.
  • $1,000 minimum deposit. This is a typical minimum initial deposit for the CDs we track.
  • Wide selection of CD terms. First Bank and Trust CD allows you to create a CD ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.

Pros & Cons of First Bank and Trust Co. Certificates of Deposit

First Bank and Trust Co. Certificates of Deposit FAQ

Are CD from First Bank & Trust Co. federally insured?

Yes, your First Bank & Trust Co. CDs are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #27394). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What types of CDs does First Bank & Trust Co. offer?

First Bank and Trust CD provides the following types of CDs.
  • Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CDs for another term.
  • IRA CDs. An IRA CD is a type of IRA that consists entirely of CDs. In general, you can invest in CDs in any IRA, but First Bank and Trust CD offers a CD that is specifically for retirement.

What rates does First Bank & Trust Co. offer on its CDs?

What terms does First Bank and Trust CD offer?

First Bank & Trust Co. offers CD terms of the following lengths:

What is the minimum deposit to open a CD account with First Bank & Trust Co.?

First Bank and Trust CD require a minimum deposit of $1,000 to open an account.

What is the grace period for First Bank and Trust CD?

First Bank and Trust CD does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does First Bank & Trust Co. charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.
First Bank & Trust Co. charges an early withdrawal fee.
First Bank & Trust Co. does charge any of the fees we track.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

301 W. Main Street
Ardmore, OK 73401
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
Closed

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

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-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

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