Planning for the future?
First Northern Bank and Trust offers fixed-rate and adjustable Certificates of Deposit and Individual Retirement Accounts in a variety of maturity lengths. All First Northern Bank and Trust Individual Retirement Accounts are invested in First Northern Bank and Trust CDs.
View CD and IRA Account rates on this page. For more information, follow the links to the individual Account pages.
The APY is accurate as of October 2, 2025.
| Term |
Annual Percentage Yield (APY) |
Interest Rate |
Minimum Deposit to Open Account |
Minimum Balance to Obtain APY
(amount of principal in the account each day)
|
91 Day CD
Open account online
See details.
91 Day IRA
Open account in person
See details.
|
0.50% |
0.50% |
$1,000.00 |
$1,000.00 |
182 Day CD
Open account online
See details.
182 Day IRA
Open account in person
See details.
|
0.80% |
0.80% |
$1,000.00 |
$1,000.00 |
1 Year CD
Open account in person
See details.
1 Year IRA
Open account in person
See details.
|
0.90% |
0.90% |
$1,000.00 |
$1,000.00 |
1 Year (12 Month) Adjustable CD
Open account in person
See details.
|
3.71% |
3.660% |
$5,000.00 |
$5,000.00 |
1½ Year Adjustable IRA
Open account in person
See details.
|
0.95% |
0.95% |
$250.00 |
$250.00 |
2 Year CD
Open account online
See details.
2 Year IRA
Open account in person
See details.
|
1.00% |
1.00% |
$1,000.00 |
$1,000.00 |
2 Year (24 Month) Adjustable CD
Open account in person
See details.
|
3.62% |
3.570% |
$5,000.00 |
$5,000.00 |
2½ Year CD
Open account online
See details.
|
1.05% |
1.05% |
$1,000.00 |
$1,000.00 |
3 Year CD
Open account online
See details.
3 Year IRA
Open account in person
See details.
|
1.10% |
1.10% |
$1,000.00 |
$1,000.00 |
|
|
3.60% |
3.550% |
$1,000.00 |
$1,000.00 |
4 Year CD
Open account online
See details.
4 Year IRA
Open account in person
See details.
|
1.20% |
1.19% |
$1,000.00 |
$1,000.00 |
5 Year CD
Open account online
See details.
5 Year IRA
Open account in person
See details.
|
1.30% |
1.29% |
$1,000.00 |
$1,000.00 |
5 Year Kid’s CD
Open account in person
See details.
|
1.30% |
1.29% |
$1,000.00 |
$1,000.00 |
5 Year Royal CD
Open account in person
See details.
|
1.30% |
1.29% |
$1,000.00 |
$1,000.00 |
All Accounts: A penalty will or may be imposed for early withdrawals of funds. Fees could reduce the earnings on account.
1 Year (12 Month) Adjustable CD, 1½ Year Adjustable IRA, 2 Year (24 Month) Adjustable CD, 3 Year Adjustable CD, 3 Year Adjustable IRA: For information about associated fees and charges, view our Schedule of Service Fees.
Determination of Rate:
1 Year (12 Month) Adjustable CD: The interest rate on your account is based on the prior month’s average 1 Year Treasury Note Rate as calculated by First Northern Bank and Trust Co. We may change the interest rate on your account every month. View disclosure.
2 Year (24 Month) Adjustable CD: The interest rate on your account is based on the prior month’s average 2 Year Treasury Note Rate as calculated by First Northern Bank and Trust Co. We may change the interest rate on your account every month. View Disclosure.
3 Year Adjustable CD: The interest rate on your account is based on the prior month’s average 3 Year Treasury Note Rate as calculated by First Northern Bank and Trust Co. We may change the interest rate on your account every month. View Disclosure.
