CDs

TRIPLE OPTION CD

CDARS

FEES

BONUS

BALANCE REQUIREMENT

CERTIFICATES OF DEPOSIT

FFB pays competitive rates on all Certificates of Deposit. Interest is compounded daily on CD terms of 18 months or longer.**

The Triple Option CD is a 48-month term CD that lets you take advantage of the current market CD rate. Interest is compounded daily and, best of all, the rate may be increased three times (3x) during the life of the CD (not more than one time in a 12-month period). A rate adjustment will be made for the next CD rate term based on the number of months remaining on the CD.**

As a member of a unique network, FFB has the ability to place client funds exceeding the $250,000 FDIC limit into other FDIC insuredfinancial institutions. Everything is handled through FFB. Your large deposit is broken into smaller amounts and placed with other banks within the CDARS network. Then, those banks issue CDs in amounts under the standard FDIC maximum, so that your investment is eligible for FDIC protection. You will receive one monthly statement itemizing your deposits at each FDIC insured bank.**

There is a substantial penalty for early withdrawaland may include principal. The penalty is 2% ofthe amount withdrawn.

Paper statements $2 per month

You can deposit an additional $25,000 to any CD in $1,000 increments within the first half of the term.

**There is a substantial penalty for early withdrawal.

$2,500 minimum opening deposit