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take advantage of today's CD specials

Get a certificate of deposit for 5 months at 4.40% APY or 8 months at 4.25% APY at your local financial center today.1

Find a financial center

Here's why a CD might work for you

Grow your money with a superior APY – earn more with a longer term

Enjoy flexible terms from 7 days to 5 years, starting with as little as $500

Bank anywhere, anytime with online banking

FDIC insured up to $250,000

CDs are a simple way to make the most of your money

Certificates of deposit typically have a higher interest rate than traditional savings accounts if you can set aside funds for a specified amount of time. We offer a range of rates and terms to fit your money-saving strategy.

Contact us for more CD rates and terms

Learn how a CD works

We’ll explain the ins and outs, including CD benefits, terms and how to set one up.

Find the best checking account for you

First Financial Bank checking account holders get our best rates on CDs and money market accounts.

See all your savings account options

CDs are great savings tools, but if you need more flexibility a traditional savings account may work better.

Frequently asked questions

You have the ability to view your CD in both online and mobile banking. Additionally, you can speak with your local banking center or our Client First Center at 877.322.9530.

Your CD will automatically renew to a standard CD term closest to the original CD’s term. If you would like to close the CD at maturity, please notify us before, or within 10 days after the maturity date. If the CD automatically renews, the rate for each renewal term will be determined by us on or just before the renewal date. You will also receive a letter when the maturity date is approaching.

The FDIC insures up to $250,000 per depositor, per institution, and per ownership category. FDIC insurance covers deposit accounts — checking, savings, and money market accounts and certificates of deposit. You can learn more about your coverage level using the FDIC deposit insurance calculator.

If funds are withdrawn prior to the maturity date, a penalty may be imposed on the amount withdrawn and will be subject to the terms of the certificate. In most cases:

  • Terms less than 12 months will be charged 1% of the amount withdrawn.
  • Terms of 12 months to 35 months will be charged 2% of the amount withdrawn.
  • Terms greater or equal to 36 months will be charged 3% on the amount withdrawn.

When withdrawing funds early from your CD, it’s important to remember that interest earned might not offset the penalty for early withdrawal.

If you don't make a decision on the funds in the maturing CD, such as moving to a new CD special or money market account, your CD will automatically renew to a standard (non-promotional) CD of the closest term available.

1 APY = Annual Percentage Yield and valid for new accounts opened on the date above. All rates and APYs are determined at the bank's discretion, may vary by location, and can change at any time. To obtain stated rates, certain products may require additional accounts, services and/or maintaining of a defined minimum daily balance. For variable rate products, rates are subject to change after the accounts id opened. For fixed rate products, rates are for the initial term only and will renew to closest standard term product at the published rate at that time. Call or visit a financial center for additional details. Fees may reduce earnings and early withdrawal fee may be imposed. First Financial Bank reserves the right to end the offer at any time. All deposits are subject to the Account Terms and Conditions, Special Handling/Electronic Banking Disclosure of Charges, and possibly other disclosures.

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