• Certificates of Deposit (CD)
• Individual Retirement Accounts (IRA)
• First HSA
• Current Rates

Certificates of Deposit

Invest in a standard certificate of deposit at The First Trust and Savings Bank with as little as $1,000. Certificate of deposit terms range from 3 months to 60 months. Our interest rates are competitive and we periodically offer CD specials. CDs are automatically renewable and the interest may be compounded or paid directly to your Checking or Savings accounts with FTSB. A bonus is offered to standard CD rates on new money with your First Relationship, First Investors Choice or First Class Club Checking accounts.

Individual Retirement Accounts

• A Traditional IRA is a special tax deferred savings plan authorized by the Federal Government to encourage you to accumulate money for retirement.
• A Roth IRA is an individual retirement account to which participants are able to make annual non-deductible contributions, earnings can be tax free.
• A Coverdell Educational Savings Account is an ideal way to begin savings for a child, grandchild or any young person to pay for higher education.
• Consult your tax advisor

First HSA

In this era of escalating health care costs, a Health Savings Account (HSA), paired with a High Deductible Health Plan is rapidly gaining popularity among employers and employees. Our First HSA offers individuals many benefits including tax savings, earned interest, reduced insurance premiums, and long-term savings.

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