Bank · FDIC insured
First Bank Richmond CD Rates
First Bank Richmond’s best CD rate is 3.25% APY on a 3-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How First Bank Richmond’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where First Bank Richmond has the most branches. $10,000, best rate first.
This bank’s best
First Bank Richmond
3.25%APY
- Term
- 36 months
- Minimum
- —
- Earns on $10,000
- $1,007
Fixed Rate Certificates of Deposit
Top rate
IU Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $223
2nd-highest rate
Elements Financial
4.50%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $298
First Bank Richmond CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo2.79%
- 9–15 months9–15 mo3.05%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.25%
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 Richmond 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.
CD Special
Up to 4.00%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsAvailable to all First Bank customers with a new or existing checking account relationship. Not applicable to IRA CDs. Unlimited deposits are allowed during the first 24 months of the term. The interest rate can be exchanged one time during the term for the rate posted on the rate schedule for the term closest to the remaining term of the certificate | 3.90% | $226 |
| 13 months | 4.00% | $434 |
Sources (1)
- firstbankrichmond.com/current-cd-specials · captured Oct 15, 2026
Fixed Rate Certificates of Deposit
Up to 3.25%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.53% | $63 |
| 6 months | 2.79% | $139 |
| 9 months | 2.79% | $209 |
| 12 months | 3.05% | $305 |
| 18 months | 3.05% | $461 |
| 24 months | 3.15% | $640 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.25% | $1,734 |
Sources (1)
- firstbankrichmond.com/fixed-rate-cds · captured Oct 15, 2026
Special-purpose accounts
IRA CDs
Up to 3.25%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.05% | $305 |
| 18 months | 3.05% | $461 |
| 24 months | 3.15% | $640 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.25% | $1,734 |
| 84 months | 3.20% | $2,467 |
Sources (1)
- firstbankrichmond.com/ira-and-cd-savings · captured Oct 15, 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.