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The First National Bank in Trinidad Logo Member FDIC

CDs/IRAs

Certificate of Deposit

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  • 31 Day CD
  • $5,000 Minimum Opening Deposit
  • On Deposits up to $100,000
  • .20% APY*
  • .20% Interest Rate
  • 12 Month CD
  • $1,000 Minimum Opening Deposit
  • On Deposits up to $100,000
  • .50% APY*
  • .50% Interest Rate
  • 91 Day CD
  • $5,000 Minimum Opening Deposit
  • On Deposits up to $100,000
  • .20% APY*
  • .20% Interest Rate
  • 18 Month CD
  • $1,000 Minimum Opening Deposit
  • On Deposits up to $100,000
  • .60% APY*
  • .60% Interest Rate
  • 24 Month CD
  • $1,000 Minimum Opening Deposit
  • On Deposits up to $100,000
  • .70% APY*
  • .70% Interest Rate
  • 182 Day CD
  • $5,000 Minimum Opening Deposit
  • On Deposits up to $100,000
  • .40% APY*
  • .40% Interest Rate

CDs

*The Annual Percentage Yield assumes that the certificate and the interest will be reinvested. Withdrawal of interest could result in a lower APY. Penalty for early withdrawal. Rates subject to change. Fees may reduce earnings on account.

Rates effective 10/1/2026

Jumbo CDs

  • 31 Day Jumbo CD
  • $100,000 Minimum Opening Deposit
  • On Deposits $100,000 and over
  • .20% APY*
  • .20% Interest Rate
  • 12 Month Jumbo CD
  • $100,000 Minimum Opening Deposit
  • On Deposits $100,000 and over
  • .50% APY*
  • .50% Interest Rate
  • 91 Day Jumbo CD
  • $100,000 Minimum Opening Deposit
  • On Deposits $100,000 and over
  • .20% APY*
  • .20% Interest Rate
  • 18 Month Jumbo CD
  • $100,000 Minimum Opening Deposit
  • On Deposits $100,000 and over
  • .60% APY*
  • .60% Interest Rate
  • 182 Day Jumbo CD
  • $100,000 Minimum Opening Deposit
  • On Deposits $100,000 and over
  • .40% APY*
  • .40% Interest Rate
  • 24 Month Jumbo CD
  • $100,000 Minimum Opening Deposit
  • On Deposits $100,000 and over
  • .70% APY*
  • .70% Interest Rate

Jumbo CDs compressor

*The Annual Percentage Yield assumes that the certificate and the interest will be reinvested. Withdrawal of interest could result in a lower APY. Penalty for early withdrawal. Rates subject to change. Fees may reduce earnings on account.

Rates effective 10/1/2026

Individual Retirement Accounts

  • IRA
  • $100 Minimum Opening Deposit
  • Variable Rate 182 Day CD
  • On Deposits up to $100,000
  • .40% APY*
  • .40% Interest Rate
  • Jumbo IRA
  • $100,000 Minimum Opening Deposit
  • Variable Rate 182 Day CD
  • On Deposits $100,000 and over
  • .40% APY*
  • .40% Interest Rate
  • IRA
  • $5,000 Minimum Opening Deposit
  • Fixed Rate 18 Month CD
  • On Deposits up to $100,000
  • .60% APY*
  • .60% Interest Rate
  • Jumbo IRA
  • $100,000 Minimum Opening Deposit
  • Fixed Rate 18 Month CD
  • On Deposits $100,000 and Over
  • .60% APY*
  • .60% Interest Rate

IRA

*The Annual Percentage Yield assumes that the certificate and the interest will be reinvested. Withdrawal of interest could result in a lower APY. Penalty for early withdrawal. On variable rate accounts, rate may change after account opening. Fees may reduce earnings on account.  Consult with your tax advisor.

Rates effective 10/1/2026

 

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