Bank · FDIC insured
First Bank & Trust of Murphysboro CD Rates
First Bank & Trust of Murphysboro’s best CD rate is 0.30% APY on a 3-year CD. Terms run from 1 month to 3 years. Rates checked October 16, 2026.
How First Bank & Trust of Murphysboro’s CD rates compare
Compared with banks and credit unions near Carbondale, IL, where First Bank & Trust of Murphysboro has the most branches. $10,000, best rate first.
This bank’s best
First Bank & Trust of Murphysboro
0.30%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $90
Certificates of Deposit (CDs)
Top rate
Banterra Bank
4.40%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,379
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
First Bank & Trust of Murphysboro CD score
60
CD score
Higher than 1% of U.S. banks and credit unions
- 3–8 months3–8 mo0.05%
- 9–15 months9–15 mo0.12%
- 16–30 months16–30 mo0.18%
- 31–60 months31–60 mo0.30%
- QualifiedQualified0.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Bank & Trust of Murphysboro ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
Up to 0.30%APY · 9 terms
*Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. The early withdraw penalty for CD’s 12 months or less is three months (90 Days) simple interest. The early withdraw penalty for CD’s more than 12 months is six months (180 Days) simple interest. See your notice of penalty for early withdrawal for more information.*
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthDuration: 32 Days | 0.02% | $0 |
| 3 monthsDuration: 91 Days | 0.05% | $1 |
| 6 monthsDuration: 6 Months | 0.05% | $2 |
| 9 monthsDuration: 9 Months | 0.05% | $4 |
| 12 monthsDuration: 12 Months | 0.05% | $5 |
| 15 monthsDuration: 15 Months | 0.12% | $15 |
| 18 monthsDuration: 18 Months | 0.12% | $18 |
| 24 monthsDuration: 24 Months | 0.18% | $36 |
| 36 monthsDuration: 36 Months | 0.30% | $90 |
Sources (1)
- fb-t.com/accounts · captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.05%APY · 1 term
Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsType: 1 Year (Fixed Rate) | 0.05% | $5 |
Sources (1)
- fb-t.com/accounts · captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.