First State Bank & Trust Co. CERTIFICATES OF DEPOSIT Certificates of Deposit from First State Bank & Trust Co. one of your best tools for putting away money for the future. CDs are the highest-yielding deposits we offer and are available with a variety of options.   Available for terms from 7 days to 5 years.   Certificates of deposit are FDIC-insured.   Interest is compounded quarterly for CDs of 3 months or more. For CDs of less than 3 months, interest is compounded at maturity.   Minimum deposits are $1,000 for CDs of 12 months or longer; Minimum deposits are $2,500 for CDs of less than 12 months.   CDs are automatically renewed at maturity unless you request otherwise. Click here to view our current interest rates on CDs. Penalties may be imposed for withdrawal before maturity. See the account disclosure for details.

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