Take advantage of a business investment that has no risk
Get a fixed rate of interest that never changes but keeps business balances climbing.
- Fixed rates, higher than standard savings
- Receive higher rates by selecting a longer term
- Great, low-risk investment option
- Set aside for future savings goals
- Select from our available terms (from 3 months to 5 years)
- No setup or maintenance fees
- Early withdrawals subject to penalty
- $2,500 minimum deposit to open
Through CDARS®, or the Certificate of Deposit Account Registry Service, First Bank is able to provide large-deposit investors with the ultimate in security and convenience.
- Access multi-million-dollar FDIC insurance
- All CD investments placed through CDARS® are managed through a single banking relationship
- Flexible maturity periods available
- CD-level interest rates
- Interest paid directly to you or an account you designate
{{ cds-rate }}
{{ savings-goal }}
Certificates of Deposit (CDs)
| Term | Minimum Opening Deposit | Minimum Balance to Obtain APY | Rate | APY |
|---|---|---|---|---|
| 12 Month | $2,500 | $2,500 and Over | 3.00% | 3.04% |
| 36 Month | $2,500 | $2,500 and Over | 2.25% | 2.27% |
A penalty may be imposed for early withdrawal.
First Interest Checking Account
| Minimum Balance | Minimum Opening Deposit | Rate | APY | Minimum Balance to Obtain APY |
|---|---|---|---|---|
| $100 to $2,499 | $100 | 0.30% | 0.30% | $100 |
| $2,500 - $24,999.99 | $100 | 0.35% | 0.35% | $100 |
| $25,000 - $249,999.99 | $100 | 0.40% | 0.40% | $100 |
| $250,000 - $499,999.99 | $100 | 0.45% | 0.45% | $100 |
| $500,000 and Over | $100 | 0.50% | 0.50% | $100 |
First1Savings Account
| Minimum Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $0.01 to $2,499.99 | $50 | 0.25% | 0.25% |
| $2,500 - $24,999.99 | $50 | 0.30% | 0.30% |
| $25,000 - $249,999.99 | $50 | 0.35% | 0.35% |
| $250,000 - $499,999.99 | $50 | 0.40% | 0.40% |
| $500,000 and Over | $50 | 0.45% | 0.45% |
APY = Annual Percentage Yield. Rates and APYs are accurate as of January 8, 2025. Rates and rewards are variable and may change without notice after the account is opened. Fees may reduce earnings.
Kasasa Cash
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $0.01 to $25,000 | $100 | 5.00% | 5.12% |
| $25,001 and Over | $100 | 0.75% | 5.12% to 1.84%* |
| Base Rate (Qualifications not met) | $100 | 0.05% | 0.05% |
*Blended APY, example based on a balance ranging from $25,001-$100,000. When qualifications are met, the interest rates will be paid only for the portion of the account balance within that tier. The APY will vary, within the range, depending upon the balance.
Qualifications to Earn Rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, or bill pay transaction
- At least 12 debit card purchases
And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
Rates and APYs are accurate as of January 8, 2025. Rates and rewards are variable and may change without notice after the account is opened.
Kasasa Saver
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $0.01 to $25,000 | $50 | 1.05% | 1.06% |
| $25,001 and over | $50 | 0.40% | 1.06% to 0.56%* |
| Base Rate (Qualifications not met) | $50 | 0.05% | 0.05% |
*Blended APY, example based on a balance ranging from $25,001-$100,000. When qualifications are met, the interest rates will be paid only for the portion of the account balance within that tier. The APY will vary, within the range, depending upon the account balance.
Qualifications to Earn the Higher Rate
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, or bill pay transaction
- At least 12 debit card purchases
And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate in Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
Money Market Account
| Minimum Balance | Minimum Opening Deposit | Minimum Balance to Obtain APY | Rate | APY |
|---|---|---|---|---|
| $1,000 - $10,000.00 | $100 | $1,000 | 1.00% | 1.00% |
| $10,000.01 - $25,000.00 | $100 | $1,000 | 1.10% | 1.11% |
| $25,000.01 - $50,000.00 | $100 | $1,000 | 1.30% | 1.31% |
| $50,000.01 - $100,000.00 | $100 | $1,000 | 1.50% | 1.51% |
| $100,000.01 - $250,000.00 | $100 | $1,000 | 1.70% | 1.71% |
| $250,000.01 - $500,000.00 | $100 | $1,000 | 1.90% | 1.92% |
| $500,000.01 - $1,000,000.00 | $100 | $1,000 | 2.00% | 2.02% |
| $1,000,000.01 and Over | $100 | $1,000 | 2.25% | 2.27% |
APY = Annual Percentage Yield. Rates and APYs are accurate as of January 8, 2025. Rates and rewards are variable and may change without notice after the account is opened. Fees may reduce earnings.