First Guaranty Bank rates: up to 2.95% APY
bank · FDIC CERT 14028 · www.fgb.net/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Christmas Club Savings | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Health Savings Account Back to Top | Balances less than $1,500 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Back to Top | Balances $1,500 – $99,999 | 0.07% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Back to Top | Balances $100,000 – $999,999 | 0.12% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Back to Top | Balances greater than $1,000,000 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Savings | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Savings Elite Back to Top | Balances less than $25,000.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Elite Back to Top | Balances $25,000.00 or more | 2.02% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Fixed Rate CDs | 30 Day | 2.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate CDs | 90 Day | 2.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate CDs | 6 Month | 2.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts Back to Top | 6 Month | 2.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate CDs | 1 Year | 2.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts Back to Top | 1 Year | 2.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate CDs | 18 Month | 2.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts Back to Top | 18 Month | 2.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate CDs | 2 Year | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts Back to Top | 2 Year | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate CDs | 3 Year | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts Back to Top | 3 Year | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate CDs | 4 Year | 2.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts Back to Top | 4 Year | 2.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate CDs | 5 Year | 2.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts Back to Top | 5 Year | 2.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate CDs | 6 Year | 2.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts Back to Top | 6 Year | 2.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate CDs | 7 Year | 2.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts Back to Top | 7 Year | 2.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate CDs | 8 Year | 2.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts Back to Top | 8 Year | 2.95% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Accounts Back to Top | Balances less than $1,500 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Accounts Back to Top | Balances $1,500 – $99,999 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Accounts Back to Top | Balances $100,000 – $999,999 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Accounts Back to Top | Balances greater than $1,000,000 | 0.35% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| FGB Interest Checking Account Back to Top | Balances less than $5,000.00 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| FGB Interest Checking Account Back to Top | Balances $5,000.00 or more | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Hero Checking Account Back to Top | Balances less than $5,000.00 | 2.27% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.fgb.net/personal/savings | — | extract-failed | |
| www.fgb.net/applications/choose-a-cd-term.html | — | extract-failed | |
| www.fgb.net/rates.html | 2026-11-01 16:04 UTC | ok | 948a6008d776 |