CD & IRA Rates

Home Personal CD & IRA Rates

Time Certificates of Deposit (CD)

Effective July 1, 2025
Term
APY*
Interest Rate
Minimum Deposit
7 Month Special 4.20% 4.15 % $5,000.00
19 Month Raise-A-Rate 4.00 % 3.96 % $5,000.00
3 Months 1.00 % 1.00 % $1,000.00
6 Months 1.00 % 1.00 % $1,000.00
12 Months 1.00 % 1.00 % $1,000.00
24 Months 1.00 % 1.00 % $1,000.00
36 Months 1.25 % 1.25 % $1,000.00
48 Months 1.51 % 1.50 % $1,000.00
60 Months 1.51 % 1.50 % $1,000.00
24 Month Savvy Saver
(21 years & younger)^		 2.00 % 1.99 % $50.00
36 Month Raise-A-Rate 4.00 % 3.96% $5,000.00


Individual Retirement Accounts

Term
APY*
Interest Rate
Minimum Deposit
48 Months
1.51 %
1.50 %
$1,000.00

Variable Rate & Balance
APY*
Interest Rate
Minimum Deposit
Balance <= $9,999.99**
1.15 %
1.15 %
$25.00
Balance >  $10,000.00**
1.51 %
1.50 %
 $25.00
*APY- Annual Percentage Yield
^Savvy Saver CD Available for 21 years and younger, can be added to at any time.
**Variable Rate Account - The rate may change after the account is opened.
Substantial Penalty for Early Withdrawal
Accounts and rates offered through First Bank are available in our service areas of Bremer, Black Hawk, Wright, and surrounding counties in Iowa.