First Security Bank and Trust Company's 20-year certificate of deposit, with current APY, peer comparison, and end-of-term earnings.
Latest snapshot observed 2026-05-18.
How current 20-year CD rates are spread across the market. This rate is 6.50% — higher than 100% of products in this slice.
What you'd have at the end of the full 20 years term at 6.50% APY.
Run the numbers on this 20-year CD against other savings strategies.
Stagger maturities to keep liquidity while locking in rates.
See how interest stacks across any horizon and compounding cadence.
Convert quoted APYs into their underlying APR for apples-to-apples comparisons.
Back-solve the deposit you need to hit a target by a deadline.