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CD and IRA Rates

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. After opening an Account, you can enroll in Online Banking to view details, then download the First Northern Bank and Trust Mobile Banking App from the App Store or Google Play

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 December 2, 2021.

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.

0.05% 0.05% $1,000.00 $1,000.00
182 Day CD
Open account online
See details.

182 Day IRA
Open account in person
See details.
0.15% 0.15% $1,000.00 $1,000.00
1 Year CD
Open account online
See details.

1 Year IRA
Open account in person
See details.
0.20% 0.20% $1,000.00 $1,000.00
1½ Year Adjustable IRA
Open account in person
See details.

0.20% 0.20% $250.00 $250.00
2 Year CD
Open account online
See details.

2 Year IRA
Open account in person
See details.
0.25% 0.25% $1,000.00 $1,000.00
2½ Year CD
Open account online
See details.
0.25% 0.25% $1,000.00 $1,000.00
3 Year CD
Open account in person
See details.


3 Year IRA
Open account in person
See details.
0.30% 0.30% $1,000.00 $1,000.00
0.95% 0.95% $1,000.00 $1,000.00
4 Year CD
Open account online
See details.

4 Year IRA
Open account in person
See details.
0.35% 0.35% $1,000.00 $1,000.00
5 Year CD
Open account online
See details.

5 Year IRA
Open account in person
See details.
0.40% 0.40% $1,000.00 $1,000.00
5 Year Kid’s CD
See details.
0.40% 0.40% $1,000.00 $1,000.00
5 Year Royal CD
See details.
0.40% 0.40% $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.
1½ Year Adjustable IRA, 3 Year Adjustable CD, 3 Year Adjustable IRA:
For information about associated fees and charges, view our Schedule of Service Fees.