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Certificates of Deposit (CDs) allow you to choose a set period of time to earn a guaranteed fixed interest rate. Whether you are saving for tomorrow, college tuition, or retirement, CDs are a convenient way to plan for long-term savings.
4.00% APY†
+ EAGLES POINTS
3.25% APY†
2.85% APY†
2.80% APY†
2.75% APY†
There is a lot to consider when deciding whether a Certificate of Deposit (CD) is the right savings option for you. Here are a few key points to keep in mind.
While typical savings accounts allow you to deposit and withdraw money, CDs require that you deposit a fixed amount of money at the time you open the account. You generally cannot make deposits after that time.
Although you may select the period of time that you would like for your CD to mature, such as six months, one year, or five years, you are then locked into that time commitment. If you need to withdraw funds before that time period ends, you may have to pay a penalty fee.
Since you know the amount of money in the account, the interest rate, and the period of time that your funds will remain in the CD, you may predict the amount of interest you will earn without being subject to much risk.
There is a lot to consider when deciding whether a Certificate of Deposit (CD) is the right savings option for you. Learn more about the benefits, potential risks, and the decision-making process for opening a CD to decide if this option is right for you.
† DISCLOSURES:
Annual Percentage Yield (APY) is subject to change at any time without notice at the bank’s discretion. Rates are effective as of 11.10.2024. CDs require a $2,500 minimum deposit of new funds to open the account and obtain the APY. New funds are not funds currently on deposit at Firstrust Bank or through Firstrust Financial Resources. $500,000 maximum deposit. All other terms and conditions of the Bank's CDs, including compounding of interest, are available in the Bank's current Truth in Savings Disclosure. Eligible for Regular CDs and Traditional, Roth and SEP IRAs. There is a penalty for early withdrawal. Additional federal penalties may apply for IRA CD withdrawals below age 59 1/2. (Please consult your tax advisor.) There is a seven calendar day grace period at maturity.
The 7-Month TDCD will earn the initial Annual Percentage Yield (APY) from the date the TDCD is opened and funded through the date of the next Regular Season or Post Season game played during the 2024/2025 season. The APY for the 7-Month TDCD will increase in basis points by the number of points the Eagles score in the first game played after the 7-Month TDCD is opened (a basis point is equal to .01%). The increase, if any, will be effective on the first Firstrust Bank business day following that game and the new APY will be effective until the first maturity date. The 7-Month Touchdown CD is only eligible for a one-time basis point increase; the 7-Month Touchdown CD does not accumulate basis points for any other 2024/2025 season games. A new 7-Month TDCD must be opened prior to each game at the initial yield to earn basis points for that game. For example, if you open a 7-Month TDCD today, your APY will start at 4.00% and if the Eagles score 35 points in their next game after you fund the 7-Month TDCD, your APY is 4.00% plus 0.35% for a total of 4.35%. May not be combined with any other offer. See the 7-Month Touchdown CD Addendum for complete details.
This is a limited time offer. Initial APY on the 7-Month Touchdown CD is subject to availability and the offer may change or be withdrawn at any time and without notice at the bank’s discretion. The minimum deposit to open the account and obtain the APY is $2,500. $2,500 minimum deposit of new funds required. New funds are funds not currently on deposit at Firstrust Bank or invested through Firstrust Financial Resources. The maximum opening deposit for this 7-Month Touchdown CD is $500,000. All other terms and conditions of the 7-Month Touchdown CD, including compounding of interest, are the same as Firstrust Bank’s CDs as defined in the current Truth in Savings Disclosure. The APY may change after the account is opened. Eligible for Regular CDs and Traditional, Roth and SEP IRAs. There is a penalty for early withdrawal. Additional federal penalties may apply for IRA CD withdrawals below age 591/2. (Please consult your tax advisor.) APY is accurate as of 11.10.2024. Available ion PA/NJ/DE only.
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