Personal Deposit Rates

Strengthen your financial foundation.​
  • Capitalize on solid rates.
  • Grow your savings.
  • Reach your goals.

Make your money work harder for you. ​Put your savings plan into action with First Bank's deposit accounts.

Effective:  August 25, 2020

Checking Rate Annual Percentage Yield (APY)
Workplace Checking 0.05% 0.05%

Minimum opening deposit is $100. A $9.95 monthly fee will be waived if either of the following occur during your monthly account statement period: 25 or more posted debit card transactions OR maintain an average account balance of $1,500 or more.
 

Money Market Rate Annual Percentage Yield (APY)
Workplace Money Market 0.13% 0.13%

Minimum opening deposit is $100. Must have an open and active Workplace Checking account with recurring direct deposit of $500 or more and enrolled in eStatements on all accounts.

CDs/IRAs (Minimum $1,000; Up to $499,999) Rate Annual Percentage Yield (APY)
7 - 29 Days 0.05% 0.05%
30 - 89 Days 0.05% 0.05%
3 Month 0.05% 0.05%
6 Month 0.10% 0.10%
7 Month 0.10% 0.10%
12 Month 0.15% 0.15%
18 Month 0.15% 0.15%
24 Month 0.20% 0.20%
30 Month 0.25% 0.25%
36 Month 0.35% 0.35%
37 Month 0.35% 0.35%
48 Month 0.45% 0.45%
60 Month 0.50% 0.50%
18 Month Variable Rate* IRA 0.30% 0.30%

Early withdrawal penalty may be imposed.
*Rates may change after account is opened.

Promo CDs/IRA (Minimum $1,000; Up to $499,999) Rate Annual Percentage Yield (APY)
13 Month 0.50% 0.50%
23 Month 0.20% 0.20%
Interest Checking Value Rate Annual Percentage Yield (APY)
First Plus*/Thrive** $0 - 4,999 0.01% 0.01%
First Plus*/Thrive** $5,000+ 0.01% 0.01%
Legacy*** 0.01% 0.01%
First Premier**** 0.01% 0.01%
First Performance Checking***** $0 - 25,000 3.04% 3.04%
First Performance Checking***** $25,001+ 0.10% 0.10%
Kids Cash****** $0-500 5.00% 5.12%
Kids Cash****** $501+ 0.03% 0.03%

*$11.95 monthly fee, waived with $20,000 in combined deposit & select loan balances.
**$9.95 monthly fee, waived with one debit card purchase transactions or direct deposit of any amount. 
***$5,000 in combined deposits to avoid $8.95 monthly service charge.
****$24.95 monthly fee waived with $100,000 in combined deposit and select loan balances or a relationship with First Bank Wealth Management. Rate may change after account is opened.
*****$11.95 monthly fee, waived with fifteen debit card purchase transactions and direct deposit of $250 or more
******Account converts to statement savings on primary owner's 18th birthday.

Savings & Money Market Value Rate Annual Percentage Yield (APY)
Statement/Thrive Savings* 0.03% 0.03%
Health Savings Account** $0 -$4,999 0.03% 0.03%
Health Savings Account** $5,000+ 0.03% 0.03%
Performance Money Market*** $0 - 2,499 0.03% 0.03%
Performance Money Market*** $2,500 - 9,999 0.03% 0.03%
Performance Money Market*** $10,000 - 24,999 0.04% 0.04%
Performance Money Market*** $25,000 - 49,999 0.04% 0.04%
Performance Money Market*** $50,000+ 0.05% 0.05%

*$9.95 monthly fee, waived with one debit card purchase transactions or direct deposit of any amount.
**$4 monthly fee, waived with $2,000 average monthly balance
***$10 monthly fee, waived with $1,000 minimum daily balance

CDs/IRAs (Minimum $1,000; Up to $499,999) Rate Annual Percentage Yield (APY)
7 - 29 Days 0.05% 0.05%
30 - 89 Days 0.05% 0.05%
3 Month 0.05% 0.05%
6 Month 0.10% 0.10%
7 Month 0.15% 0.15%
12 Month 0.15% 0.15%
18 Month 0.15% 0.15%
24 Month 0.20% 0.20%
30 Month 0.25% 0.25%
36 Month 0.35% 0.35%
37 Month 0.35% 0.35%
48 Month 0.45% 0.45%
60 Month 0.50% 0.50%
18 month Variable Rate* IRA 0.30% 0.30%

*Rates may change after account is opened.

Bump Rate CDs/IRAs (Not Available for New Accounts) Rate Annual Percentage Yield (APY)
18 Month 0.20% 0.20%
36 Month 0.40% 0.40%
Promo CDs/IRA (Minimum $1,000; Up to $499,999) Rate Annual Percentage Yield (APY)
13 Month 0.50% 0.50%
Interest Checking Value Rate Annual Percentage Yield (APY)
First Plus*/Thrive** $0 - 4,999 0.01% 0.01%
First Plus*/Thrive** $5,000+ 0.01% 0.01%
Legacy*** 0.01% 0.01%
First Premier**** 0.01% 0.01%
First Performance Checking***** $0 - 25,000 3.00% 3.04%
First Performance Checking***** $25,001+ 0.10% 0.10%
Kids Cash****** $0-500 5.00% 5.12%
Kids Cash****** $501+ 0.03% 0.03%

*$11.95 monthly fee, waived with $20,000 in combined deposit & select loan balances.
**$9.95 monthly fee, waived with one debit card purchase transactions or direct deposit of any amount.
***$5,000 in combined deposits to avoid $8.95 monthly service charge.
****$24.95 monthly fee waived with $100,000 in combined deposit and select loan balances or a relationship with First Bank Wealth Management.
*****$11.95 monthly fee, waived with fifteen debit card purchase transactions and direct deposit of $250 or more
******Account converts to statement savings on primary owner's 18th birthday.

Savings & Money Market Value Rate Annual Percentage Yield (APY)
Statement/Thrive Savings* 0.03% 0.03%
Health Savings Account** $0 -$4,999 0.03% 0.03%
Health Savings Account** $5,000+ 0.03% 0.03%
Performance Money Market*** $0 - 2,499 0.03% 0.03%
Performance Money Market*** $2,500 - 9,999 0.03% 0.03%
Performance Money Market*** $10,000 - 24,999 0.04% 0.04%
Performance Money Market*** $25,000 - 49,999 0.04% 0.04%
Performance Money Market*** $50,000+ 0.05% 0.05%

*$3 monthly fee, waived with $100 minimum daily balance.
**$4 monthly fee, waived with $2,000 average monthly balance
***$10 monthly fee, waived with $1,000 minimum daily balance

CDs/IRAs (Minimum $1,000; Up to $499,999) Rate Annual Percentage Yield (APY)
7 - 29 Days 0.05% 0.05%
30 - 89 Days 0.05% 0.05%
3 Month 0.05% 0.05%
6 Month 0.10% 0.10%
7 Month 0.15% 0.15%
12 Month 0.15% 0.15%
18 Month 0.15% 0.15%
24 Month 0.20% 0.20%
30 Month 0.25% 0.25%
36 Month 0.35% 0.35%
37 Month 0.35% 0.35%
48 Month 0.45% 0.45%
60 Month 0.50% 0.50%
18 month Variable Rate* IRA 0.30% 0.30%

*Rates may change after account is opened.

Bump Rate CDs/IRAs (Not Available for New Accounts) Rate Annual Percentage Yield (APY)
18 Month 0.20% 0.20%
36 Month 0.40% 0.40%
Promo CDs/IRA (Minimum $1,000; Up to $499,999) Rate Annual Percentage Yield (APY)
13 Month 0.50% 0.50%
Interest Checking Value Rate Annual Percentage Yield (APY)
First Plus*/Thrive** $0 - 4,999 0.01% 0.01%
First Plus*/Thrive** $5,000+ 0.01% 0.01%
Legacy*** 0.01% 0.01%
First Premier**** 0.01% 0.01%
First Performance Checking***** $0 - 25,000 3.00% 3.04%
First Performance Checking***** $25,001+ 0.10% 0.10%
Kids Cash****** $0-500 5.00% 5.12%
Kids Cash****** $501+ 0.03% 0.03%

*$11.95 monthly fee, waived with $20,000 in combined deposit & select loan balances.
**$9.95 monthly fee, waived with one debit card purchase transactions or direct deposit of any amount.
***$5,000 in combined deposits to avoid $8.95 monthly service charge.
****$24.95 monthly fee waived with $100,000 in combined deposit and select loan balances or a relationship with First Bank Wealth Management.
*****$11.95 monthly fee, waived with fifteen debit card purchase transactions and direct deposit of $250 or more
******Account converts to statement savings on primary owner's 18th birthday.

Savings & Money Market Value Rate Annual Percentage Yield (APY)
Statement/Thrive Savings* 0.03% 0.03%
Health Savings Account** $0 -$4,999 0.03% 0.03%
Health Savings Account** $5,000+ 0.03% 0.03%
Performance Money Market*** $0 - 2,499 0.03% 0.03%
Performance Money Market*** $2,500 - 9,999 0.03% 0.03%
Performance Money Market*** $10,000 - 24,999 0.04% 0.04%
Performance Money Market*** $25,000 - 49,999 0.04% 0.04%
Performance Money Market*** $50,000+ 0.05% 0.05%

*$3 monthly fee, waived with $100 minimum daily balance.
**$4 monthly fee, waived with $2,000 average monthly balance
***$10 monthly fee, waived with $1,000 minimum daily balance

CDs/IRAs (Minimum $1,000; Up to $499,999) Rate Annual Percentage Yield (APY)
7 - 29 Days 0.05% 0.05%
30 - 89 Days 0.05% 0.05%
3 Month 0.05% 0.05%
6 Month 0.10% 0.10%
7 Month 0.15% 0.15%
12 Month 0.15% 0.15%
18 Month 0.15% 0.15%
24 Month 0.20% 0.20%
30 Month 0.25% 0.25%
36 Month 0.35% 0.35%
37 Month 0.35% 0.35%
48 Month 0.45% 0.45%
60 Month 0.50% 0.50%
18 month Variable Rate* IRA 0.30% 0.30%

*Rates may change after account is opened.

Bump Rate CDs/IRAs (Not Available for New Accounts) Rate Annual Percentage Yield (APY)
18 Month 0.20% 0.20%
36 Month 0.40% 0.40%
Promo CDs/IRA (Minimum $1,000; Up to $499,999) Rate Annual Percentage Yield (APY)
13 Month .50% .50%
Interest Checking Value Rate Annual Percentage Yield (APY)
First Plus*/Thrive** $0 - 4,999 0.01% 0.01%
First Plus*/Thrive** $5,000+ 0.01% 0.01%
Legacy*** 0.01% 0.01%
First Premier**** 0.01% 0.01%
First Performance Checking***** $0 - 25,000 3.00% 3.04%
First Performance Checking***** $25,001+ 0.10% 0.10%
Kids Cash****** $0-500 5.00% 5.12%
Kids Cash****** $501+ 0.03% 0.03%

*$11.95 monthly fee, waived with $20,000 in combined deposit & select loan balances.
**$9.95 monthly fee, waived with one debit card purchase transactions or direct deposit of any amount.
***$5,000 in combined deposits to avoid $8.95 monthly service charge.
****$24.95 monthly fee waived with $100,000 in combined deposit and select loan balances or a relationship with First Bank Wealth Management.
*****$11.95 monthly fee, waived with fifteen debit card purchase transactions and direct deposit of $250 or more
******Account converts to statement savings on primary owner's 18th birthday.

Savings & Money Market Value Rate Annual Percentage Yield (APY)
Statement/Thrive Savings* 0.03% 0.03%
Health Savings Account** $0 -$4,999 0.03% 0.03%
Health Savings Account** $5,000+ 0.03% 0.03%
Performance Money Market*** $0 - 2,499 0.03% 0.03%
Performance Money Market*** $2,500 - 9,999 0.03% 0.03%
Performance Money Market*** $10,000 - 24,999 0.04% 0.04%
Performance Money Market*** $25,000 - 49,999 0.04% 0.04%
Performance Money Market*** $50,000+ 0.05% 0.05%

*$3 monthly fee, waived with $100 minimum daily balance.
**$4 monthly fee, waived with $2,000 average monthly balance
***$10 monthly fee, waived with $1,000 minimum daily balance

CDs/IRAs (Minimum $1,000; Up to $499,999) Rate Annual Percentage Yield (APY)
7 - 29 Days 0.05% 0.05%
30 - 89 Days 0.05% 0.05%
3 Month 0.05% 0.05%
6 Month 0.10% 0.10%
7 Month 0.15% 0.15%
12 Month 0.15% 0.15%
18 Month 0.15% 0.15%
24 Month 0.20% 0.20%
30 Month 0.25% 0.25%
36 Month 0.35% 0.35%
37 Month 0.35% 0.35%
48 Month 0.45% 0.45%
60 Month 0.50% 0.50%
18 month Variable Rate* IRA 0.30% 0.30%

*Rates may change after account is opened.

Bump Rate CDs/IRAs (Not Available for New Accounts) Rate Annual Percentage Yield (APY)
18 Month 0.20% 0.20%
36 Month 0.40% 0.40%
Promo CDs/IRA (Minimum $1,000; Up to $499,999) Rate Annual Percentage Yield (APY)
13 Month 0.50% 0.50%