FirstBank & Trust
Interest Rates

Rates

Effective as of April 4, 2014

Safe & Sound CD
Time Limit Rate type Minimum
Deposit to
Open
Minimum
Balance to
Obtain APY
Rate APY*
1 Month
  Premium** $1,000 $1,000 0.20% 0.20%
  Standard** $1,000 $1,000 0.10% 0.10%
3 Month
  Premium** $1,000 $1,000 0.25% 0.25%
  Standard** $1,000 $1,000 0.15% 0.15%
6 Month
  Premium** $1,000 $1,000 0.45% 0.45%
  Standard** $1,000 $1,000 0.35% 0.35%
9 Month
  Premium** $1,000 $1,000 0.50% 0.50%
  Standard** $1,000 $1,000 0.40% 0.40%
12 Month
  Premium** $1,000 $1,000 0.60% 0.60%
  Standard** $1,000 $1,000 0.50% 0.50%
24 Month
  Premium** $1,000 $1,000 0.95% 0.95%
  Standard** $1,000 $1,000 0.85% 0.85%
36 Month
  Premium** $1,000 $1,000 1.04% 1.05%
  Standard** $1,000 $1,000 0.95% 0.95%
48 Month
  Premium** $1,000 $1,000 1.14% 1.15%
  Standard** $1,000 $1,000 1.04% 1.05%
60 Month
  Premium** $1,000 $1,000 1.24% 1.25%
  Standard** $1,000 $1,000 1.14% 1.15%

EZ Access CD
Time Limit Rate type Minimum
Deposit to
Open
Minimum
Balance to
Obtain APY
Rate APY*
12 Month
  Premium** $10,000 $2,500 0.40% 0.40%
  Standard** $10,000 $2,500 0.30% 0.30%

Flex CD
Time Limit Rate type Minimum
Deposit to
Open
Minimum
Balance to
Obtain APY
Rate APY*
18 Month
  Premium** $1,000 $1,000 0.85% 0.85%
  Standard** $1,000 $1,000 0.75% 0.75%
60 Month
  Premium** $1,000 $1,000 1.19% 1.20%
  Standard** $1,000 $1,000 1.09% 1.10%

Standard IRA
Time Limit Rate type Minimum
Deposit to
Open
Minimum
Balance to
Obtain APY
Rate APY*
1 Year
  Premium** $1,000 $1,000 0.60% 0.60%
  Standard** $1,000 $1,000 0.50% 0.50%
2 Year
  Premium** $1,000 $1,000 0.95% 0.95%
  Standard** $1,000 $1,000 0.85% 0.85%
3 Years
  Premium** $1,000 $1,000 1.04% 1.05%
  Standard** $1,000 $1,000 0.95% 0.95%
4 Years
  Premium** $1,000 $1,000 1.14% 1.15%
  Standard** $1,000 $1,000 1.04% 1.05%
5 Years
  Premium** $1,000 $1,000 1.24% 1.25%
  Standard** $1,000 $1,000 1.14% 1.15%

Flex IRA
Time Limit Rate type Minimum
Deposit to
Open
Minimum
Balance to
Obtain APY
Rate APY*
18 Month
  Premium** $1,000 $1,000 0.85% 0.85%
  Standard** $1,000 $1,000 0.75% 0.75%
60 Month
  Premium** $1,000 $1,000 1.19% 1.20%
  Standard** $1,000 $1,000 1.09% 1.10%

Health Savings
Minimum Deposit to Open Minimum Balance to Obtain APY Rate APY*
$100 $1,000 0.25% 0.25%

Savings Accounts
Account Name Minimum
Deposit to
Open
Minimum
Balance to
Obtain APY
Rate APY*
FirstBank Savings $100 $100 0.15% 0.15%
Junior Savings $25   0.15% 0.15%
AccountLink Savings $100 $100 0.50% 0.50%
Business Savings $100 $100 0.15% 0.15%

Money Market
Account Name Minimum
Deposit to
Open
Balance Tier Rate APY*
Money Market Gold $2,500 $50,000 and above 0.35% 0.35%
    $25,000 to 49,999.99 0.27% 0.27%
    $2,500 to 24,999.99 0.20% 0.20%
    $0-$2,499.99 0.00% 0.00%
E Money Market $5,000 $25,000 and above 0.40% 0.40%
    $2,500 to 24,999.99 0.20% 0.20%
    $0-$2,499.99 0.00% 0.00%
Business Money Market Express $2,500 $50,000 and above 0.40% 0.40%
    $25,000-$49,999.99 0.28% 0.28
    $2,500-$24,999.99 0.10% 0.10%
    $0-$2,499.99 0.00% 0.00%

High Interest Checking
Minimum Deposit to Open Balance Tier Rate APY*
$50 $1,500 and above 0.15% 0.15%
  $0 - $1,499.99 0.05% 0.05%

Business Interest Checking
Minimum Deposit to Open Minimum Balance to Obtain APY Rate APY*
$50 $0 0.24% 0.24%

 

*Annual Percentage Yield.  **Certificates of Deposits (CDs) are assessed the Standard Rate.  Customers with a FirstBank & Trust checking account, and deposits less than $245,000 per CD, qualify for the Premium Rate, which has an APY that is 10 basis points higher than the Standard Rate.  Upon renewal, the CD will automatically be assessed the Standard Rate.  A penalty may be imposed for early withdrawal on Certificates of Deposits and Individual Retirement accounts listed above.  An additional IRS penalty may be assessed for early withdrawal from Individual Retirement Accounts.  NOTE:  For savings, checking, money market and business accounts, rates are subject to change after the account is opened and fees may also reduce earnings on the account.

 

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