Personalize your savings strategy with First Bank's best high-interest CD rates.

With CD laddering, choose varying terms that align with your personal savings goals.
Watch your savings grow and secure your financial future when you lock in higher fixed interest rates with a Certificate of Deposit (CD). Choose your term and get started saving today! Open a CD online or at your local Missouri, Illinois, and California branch and select the promotional rate that works for you.
Promotional CD Rates* APY*
3-Month CD 3.51%
7-Month Promo CD 4.00%
13-Month Promo CD 3.80%
20-Month Promo CD 3.51%
30-Month Promo CD 3.25%
40-Month Promo CD 3.00%
Do you have a First Bank CD that will mature soon? Call or visit your local First Bank branch to renew your CD with one of these great promotional rates.**

*CDs. May be opened in-branch or online. Annual Percentage Yield (APY) is accurate as of 09/25/2025. APY may change before CD is opened and funded.  $1,000.00 minimum balance required to open and obtain APY. Maximum balance limits apply. A penalty may be imposed for early withdrawal.

**For a maturing CD: Annual Percentage Yield (APY) is accurate as of 09/25/2025, and is subject to change at any time before a maturing CD is renewed. You must visit or call a First Bank branch to request the promotional rate and term no later than 14 days after the CD’s maturity date, or your CD will automatically renew according to your CD’s terms and conditions, and you will need to call us on or after the maturity date to learn the new interest rate and APY. A penalty may be imposed for early withdrawal.