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Your long-term savings machine.

Choose from terms as short as three months to as long as seven years with many options in between. All CD terms have a minimum opening deposit of $1,000.00.

Term Interest Rate APY1
3 months 0.10% 0.10%
6 months 0.25% 0.25%
11 months2 4.74% 4.75%
12 months 0.55% 0.55%
18 months 0.60% 0.60%
24 months 0.60% 0.60%
36 months 0.70% 0.70%
48 months 0.75% 0.75%
60 months 0.75% 0.75%
Term Interest Rate APY1
3 months 0.10% 0.10%
6 months 0.25% 0.25%
10 months % %
11 months2 4.74% 4.75%
12 months 0.55% 0.55%
18 months 0.60% 0.60%
24 months 0.60% 0.60%
36 months 0.70% 0.70%
48 months 0.75% 0.75%
60 months 0.75% 0.75%
Term Interest Rate APY1
3 months 0.10% 0.10%
6 months 0.25% 0.25%
11 months2 4.74% 4.75%
12 months 0.55% 0.55%
18 months 0.60% 0.60%
24 months 0.60% 0.60%
36 months 0.70% 0.70%
48 months 0.75% 0.75%
60 months 0.75% 0.75%
Term Interest Rate APY1
3 months 0.10% 0.10%
6 months 0.25% 0.25%
9 months 3.96% 4.00%
11 months2 4.74% 4.75%
12 months 0.55% 0.55%
13 months % %
18 months 0.60% 0.60%
24 months 0.60% 0.60%
36 months 0.70% 0.70%
48 months 0.75% 0.75%
60 months 0.75% 0.75%
Term Interest Rate APY1
3 months 0.10% 0.10%
6 months 0.25% 0.25%
10 months % %
11 months2 4.74% 4.75%
12 months 0.55% 0.55%
18 months 0.60% 0.60%
24 months 0.60% 0.60%
36 months 0.70% 0.70%
48 months 0.75% 0.75%
60 months 0.75% 0.75%
Term Interest Rate APY1
3 months 0.10% 0.10%
6 months 0.25% 0.25%
8 months2 % %
11 months3 4.74% 4.75%
12 months 0.55% 0.55%
13 months % %
18 months 0.60% 0.60%
24 months 0.60% 0.60%
36 months 0.70% 0.70%
48 months 0.75% 0.75%
60 months 0.75% 0.75%
Term Interest Rate APY1
3 months 0.10% 0.10%
6 months 0.25% 0.25%
9 months 3.96% 4.00%
11 months2 4.74% 4.75%
12 months 0.55% 0.55%
18 months 0.60% 0.60%
24 months 0.60% 0.60%
36 months 0.70% 0.70%
48 months 0.75% 0.75%
60 months 0.75% 0.75%
Term Interest Rate APY1
3 months 0.10% 0.10%
6 months 0.25% 0.25%
11 months2 4.74% 4.75%
12 months 0.55% 0.55%
18 months 0.60% 0.60%
24 months 0.60% 0.60%
36 months 0.70% 0.70%
48 months 0.75% 0.75%
60 months 0.75% 0.75%


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1These interest rates and annual percentage yields (APY) are accurate as of: 05/26/2023. Early withdraw penalties may apply. APY is based upon the maximum term of the deposit for each maturity. Interest is credited at maturity for CD and IRA accounts with a term less than 12 months. Interest is credited or compounded semi-annually for CD and IRA terms 12 months or greater. Minimum balance to obtain APY is $0.01. Minimum deposit to open a Certificate of Deposit is $1,000.00.

Any statements regarding rollovers is for informational purposes only, and should not be construed as investment advice or a recommendation to move money out of your prior employer’s plan or personal traditional Individual Retirement Account.

211-month certificate of deposit (CD) at 4.75% APY up to $1,000,000.00.  This offer is for new money transferred from an external bank account into Illinois Bank & Trust, a division of HTLF Bank certificate of deposit account.  After the maturity date, your account will renew into 6-month regular term certificate of deposit.  Interest rates and annual percentage yields (APY) are accurate as of 05/26/2023.  Early withdrawal penalties may apply.  $1,000.00 minimum opening deposit.  Minimum balance to obtain APY is $0.01.  Interest is credited at maturity for CD and IRA accounts with a term less than 12 months.  Geographic restrictions may apply.  Account opening is subject to approval.

1These interest rates and annual percentage yields (APY) are accurate as of: 05/26/2023. Early withdraw penalties may apply. APY is based upon the maximum term of the deposit for each maturity. Interest is credited at maturity for CD and IRA accounts with a term less than 12 months. Interest is credited or compounded semi-annually for CD and IRA terms 12 months or greater. Minimum balance to obtain APY is $0.01. Minimum deposit to open a Certificate of Deposit is $1,000.00.

Any statements regarding rollovers is for informational purposes only, and should not be construed as investment advice or a recommendation to move money out of your prior employer’s plan or personal traditional Individual Retirement Account.

28-month certificate of deposit (CD) at 5.05% APY up to $1,000,000.00.  This offer is for new money transferred from an external bank account into First Bank and Trust certificate of deposit account. After the maturity date, your account will renew into 6-month regular term certificate of deposit.  Interest rates and annual percentage yields (APY) are accurate as of 5/9/2023 (rolling date).  Early withdrawal penalties may apply.  $1,000.00 minimum opening deposit.  Minimum balance to obtain APY is $0.01.  Interest is credited at maturity for CD and IRA accounts with a term less than 12 months.  Geographic restrictions may apply.  Account opening is subject to approval.

311-month certificate of deposit (CD) at 4.75% APY up to $1,000,000.00.  This offer is for new money transferred from an external bank account into Illinois Bank & Trust, a division of HTLF Bank certificate of deposit account.  After the maturity date, your account will renew into 6-month regular term certificate of deposit.  Interest rates and annual percentage yields (APY) are accurate as of 05/26/2023.  Early withdrawal penalties may apply.  $1,000.00 minimum opening deposit.  Minimum balance to obtain APY is $0.01.  Interest is credited at maturity for CD and IRA accounts with a term less than 12 months.  Geographic restrictions may apply.  Account opening is subject to approval.