Bank · FDIC insured
First Bank & Trust CD Rates
First Bank & Trust’s best CD rate is 3.90% APY on a 13-month CD. Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How First Bank & Trust’s CD rates compare
Compared with banks and credit unions near Tulsa, OK, where First Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
First Bank & Trust
3.90%APY
- Term
- 13 months
- Minimum
- $1,500
- Earns on $10,000
- $423
Certificates of Deposit
Top rate
Communication Federal Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
2nd-highest rate
Oklahoma's Credit Union
4.30%APY
- Term
- 19 months
- Minimum
- $500
- Earns on $10,000
- $689
First Bank & Trust CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo3.61%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.51%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.90%
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 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
Up to 3.90%APY · 7 terms
Rates & APYs are based on monthly compounding. Penalties may be imposed for early withdrawal. Minimum balance to open CD is $1,500. Relationship Pricing on CD's – Additional FB&T product and service relationships may increase listed rates.
| Term | APY · Any balance | APY · $1,500 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 6 months | — | 3.61% | 3.61% | 3.61% | 3.66% | 3.66% | 3.61%3.61% $1.5k–$10k3.61% $25k–$100k3.66% $100k–$250k3.66% from $250k | $179 |
| 12 months | — | 3.56% | 3.56% | 3.56% | 3.61% | 3.61% | 3.56%3.56% $1.5k–$10k3.56% $25k–$100k3.61% $100k–$250k3.61% from $250k | $356 |
| 13 months13 Month Special. Automatically renews to 12 Month CD | 3.90% | — | — | — | — | — | 3.90% | $423 |
| 24 months24 Month Bump CD | — | 3.45% | 3.51% | 3.51% | 3.56% | 3.56% | 3.51%3.45% $1.5k–$10k3.51% $25k–$100k3.56% $100k–$250k3.56% from $250k | $714 |
| 36 months | — | 3.25% | 3.30% | 3.30% | 3.35% | 3.35% | 3.30%3.25% $1.5k–$10k3.30% $25k–$100k3.35% $100k–$250k3.35% from $250k | $1,023 |
| 48 months | — | 3.35% | 3.40% | 3.40% | 3.45% | 3.45% | 3.40%3.35% $1.5k–$10k3.40% $25k–$100k3.45% $100k–$250k3.45% from $250k | $1,431 |
| 60 months | — | 3.40% | 3.45% | 3.45% | 3.51% | 3.51% | 3.45%3.40% $1.5k–$10k3.45% $25k–$100k3.51% $100k–$250k3.51% from $250k | $1,848 |
Sources (1)
- fbt.bank/cds-and-iras · captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts
2.99%APY
Rates effective October 1, 2026.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Tier IRA (Under $25,000). | 2.99% | $299 | Tier IRA (Under $25,000). |
| $25,000 – $100,000Tier IRA ($25,000-$99,999.99). | 3.04% | — | Tier IRA ($25,000-$99,999.99). |
| $100,000 and upTier IRA (Over $100,000). | 3.09% | — | Tier IRA (Over $100,000). |
Sources (1)
- fbt.bank/cds-and-iras · captured Oct 5, 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.