CDs & IRAs


Featured CD Rates

7-day | 1.75% APY*
5-month | 3.65% APY*
13-month | 3.85% APY*
 
 

Featured IRA Rates

5-month | 3.65% APY*
13-month | 3.85% APY*
 
*Annual Percentage Yield. A penalty may be imposed for early withdrawal. $500 minimum opening deposit. Rates effective August 25, 2026. Additional requirements may apply.

Save Today. Plan for Tomorrow.

Whether you’re building your savings or planning for retirement, we offer options to help you put your money to work with confidence. 
FIXED SAVINGS

Certificate of Deposit (CD)

Lock in a fixed rate for a set term and choose an option that fits your savings goals and timeline.
RETIREMENT

Traditional IRA

Build retirement savings with tax-deferred growth. Contributions may be tax-deductible depending on your circumstances.

RETIREMENT

Roth IRA 

Save for retirement with after-tax contributions and the potential for tax-free qualified withdrawals.

EDUCATION

Coverdell Education Savings Account

Save for a child’s qualified education expenses with potential tax advantages.
 
 

business retirement

SEP IRA

A retirement savings option that allows business owners, including those who are self-employed, to contribute for themselves and eligible employees.


































































Additional CD Details

  • A variety of terms available to meet your investment needs
  • CD interest will be compounded monthly and will be credited to the account monthly
  • IRA interest will be compounded daily and will be credited to the account quarterly
  • Subject to early withdrawal penalties
  • Interest can be added back to the CD or deposited to an Farmers Bank & Trust checking or savings account
  • $500 minimum to open
  • Call or visit your local branch for all rates and terms

Not sure which options fit your goals?

FB&T Wealth Management creates financial strategies tailored to your needs. 
 

Eligibility, contribution, distribution and tax rules apply. Consult your tax advisor regarding your individual circumstances.