Bank · FDIC insured
First Bank CD Rates
First Bank’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First Bank’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where First Bank has the most branches. $10,000, best rate first.
This bank’s best
First Bank
4.00%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $400
Certificates of Deposit
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
First Bank CD score
79
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo1.50%
- 31–60 months31–60 mo1.50%
- QualifiedQualified4.00%
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 4.00%APY · 7 terms
$2,500 minimum to open. Interest can be compounded or paid out monthly. Penalty for early withdrawal. APY assumes interest remains on deposit until maturity. Available on new and renewal accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.21% | $79 |
| 6 months | 3.75% | $186 |
| 12 months | 4.00% | $400 |
| 24 months | 1.50% | $302 |
| 36 months | 1.50% | $457 |
| 48 months | 1.50% | $614 |
| 60 months | 1.50% | $773 |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.00%APY · 7 terms
No setup or maintenance fees. Penalty for early withdrawal. APY assumes interest remains on deposit until maturity. Available on new and renewal accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.21% | $79 |
| 6 months | 3.75% | $186 |
| 12 months | 4.00% | $400 |
| 24 months | 1.50% | $302 |
| 36 months | 1.50% | $457 |
| 48 months | 1.50% | $614 |
| 60 months | 1.50% | $773 |
Sources (2)
All captured Sep 25, 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.