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Bank · FDIC insured

First Trust and Savings Bank CD Rates

First Trust and Savings Bank’s best CD rate is 3.75% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.

How First Trust and Savings Bank’s CD rates compare

Compared with banks and credit unions in Illinois, where First Trust and Savings Bank has the most branches. $10,000, best rate first.

  • This bank’s best

    First Trust and Savings Bank

    3.75%APY

    Term
    6 months
    Minimum
    $1,000
    Earns on $10,000
    $186

    Certificates of Deposit

  • Top rate

    Vicinity Credit Union

    5.15%APY

    Term
    13 months
    Minimum
    $1,000
    Earns on $10,000
    $559

    Vicinity Credit Union rates

  • Top Carrot, Carrot Score 87

    2nd-highest rate

    First Eagle Federal Credit Union

    5.00%APY

    Term
    12 months
    Minimum
    $500
    Earns on $10,000
    $500

    First Eagle Federal Credit Union rates

Compare CD rates near you →

First Trust and Savings Bank CD score

74

CD score

Higher than 36% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.75%
  • 9–15 months9–15 mo3.50%
  • 16–30 months16–30 mo3.25%
  • 31–60 months31–60 mo1.00%
  • QualifiedQualified3.75%

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.

How the score works →

Where First Trust and Savings 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.

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.

Visit institution website ↗Branches and institution details
← First Trust and Savings Bank overview