Bank · FDIC insured
First Bank CD Rates
Top CarrotFirst Bank’s best CD rate is 4.20% APY on a 13-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How First Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where First Bank has the most branches. $10,000, best rate first.
This bank’s best
First Bank
4.20%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $456
Certificates of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
First Bank CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.51%
- QualifiedQualified4.20%
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 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 4.20%APY · 16 terms
Standard and promotional fixed-rate CDs. $1,000.00 minimum balance required to open and obtain APY. Maximum balance limits apply. Early withdrawal penalty may apply. Standard CDs opened in-branch only; promotional CDs may be opened in-branch or online.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–0 monthsTerm: 7 - 29 Days. May be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.05% | $0 |
| 1–2 monthsTerm: 30 - 89 Days. May be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.05% | $0 |
| 3 monthsMay be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply | 2.00% | $50 |
| 4 monthsPromotional CD. May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply | 3.90% | $128 |
| 6 monthsTerm: 6-Month. May be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 1.00% | $50 |
| 7 monthsPromotional CD. May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply | 4.05% | $234 |
| 12 monthsTerm: 12-Month. May be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 1.00% | $100 |
| 13 monthsPromotional CD. May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply | 4.20% | $456 |
| 18 monthsTerm: 18-Month. May be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.15% | $23 |
| 20 monthsPromotional CD. May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply | 3.80% | $641 |
| 24 monthsTerm: 24-Month. May be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.20% | $40 |
| 30 monthsPromotional CD. May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply | 3.51% | $901 |
| 30 monthsTerm: 30-Month. May be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.25% | $63 |
| 36 monthsTerm: 36-Month. May be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.35% | $105 |
| 40 monthsPromotional CD. May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply | 3.51% | $1,219 |
| 48 monthsTerm: 48-Month. May be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.45% | $181 |
| 60 monthsTerm: 60-Month. May be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.50% | $253 |
Sources (3)
- first.bank/Personal/Save/Certificates-of-Deposit
- first.bank/Resources/Explore/Rates
- first.bank/CD-Promotion
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificates of Deposit
Up to 4.20%APY · 16 terms
IRA Certificates of Deposit available as Traditional, Roth, or SEP IRA wrappers. Must be opened in-branch. $1,000.00 minimum balance required to open and obtain APY. Maximum balance limits apply. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–0 monthsTerm: 7 - 29 Days. Must be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.05% | $0 |
| 1–2 monthsTerm: 30 - 89 Days. Must be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.05% | $0 |
| 3 monthsIRA CDs must be opened in-branch. Maximum balance limits apply. Early withdrawal penalty may apply | 2.00% | $50 |
| 4 monthsPromotional IRA CD. Must be opened in-branch. Maximum balance limits apply. Early withdrawal penalty may apply | 3.90% | $128 |
| 6 monthsTerm: 6-Month. Must be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 1.00% | $50 |
| 7 monthsPromotional IRA CD. Must be opened in-branch. Maximum balance limits apply. Early withdrawal penalty may apply | 4.05% | $234 |
| 12 monthsTerm: 12-Month. Must be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 1.00% | $100 |
| 13 monthsPromotional IRA CD. Must be opened in-branch. Maximum balance limits apply. Early withdrawal penalty may apply | 4.20% | $456 |
| 18 months18-Month Variable Rate IRA. Rate may change after account is opened. Must be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 4.17% | $632 |
| 18 monthsTerm: 18-Month. Must be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.15% | $23 |
| 20 monthsPromotional IRA CD. Must be opened in-branch. Maximum balance limits apply. Early withdrawal penalty may apply | 3.80% | $641 |
| 24 monthsTerm: 24-Month. Must be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.20% | $40 |
| 30 monthsPromotional IRA CD. Must be opened in-branch. Maximum balance limits apply. Early withdrawal penalty may apply | 3.51% | $901 |
| 30 monthsTerm: 30-Month. Must be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.25% | $63 |
| 36 monthsTerm: 36-Month. Must be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.35% | $105 |
| 40 monthsPromotional IRA CD. Must be opened in-branch. Maximum balance limits apply. Early withdrawal penalty may apply | 3.51% | $1,219 |
| 48 monthsTerm: 48-Month. Must be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.45% | $181 |
| 60 monthsTerm: 60-Month. Must be opened in-branch only. Maximum balance limits apply. Early withdrawal penalty may apply | 0.50% | $253 |
Sources (3)
- first.bank/Personal/Save/Certificates-of-Deposit
- first.bank/Personal/Save/Individual-Retirement-Accounts
- first.bank/Resources/Explore/Rates
All 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.