# First Guaranty Bank CD rates

As of October 22, 2026, First Guaranty Bank's highest tracked CD rate is 2.95% APY on a 60-month CD ($500 minimum). That is 2.1 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 2.55% to 2.95% APY.

Canonical page: https://apyledger.com/cd-rates/first-guaranty-bank
Institution: First Guaranty Bank (FDIC 14028)
Aliases: 
Status: live
Last verified: 2026-10-23T03:01:46.000Z (October 22, 2026)
Official source: https://www.fgb.net/rates.html
Coverage: CDs from 30 days to 8 years with a $500 minimum to open. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Fixed Rate CD | standard | 30 days | $500 | 2.70% | Not ZIP-priced | −1.43% | 2026-10-23T03:01:46.000Z | [Snapshot 911](https://apyledger.com/snapshots/911) |
| Fixed Rate CD | standard | 90 days | $500 | 2.70% | Not ZIP-priced | −1.59% | 2026-10-23T03:01:46.000Z | [Snapshot 911](https://apyledger.com/snapshots/911) |
| Fixed Rate CD | standard | 6 months | $500 | 2.70% | Not ZIP-priced | −1.70% | 2026-10-23T03:01:46.000Z | [Snapshot 911](https://apyledger.com/snapshots/911) |
| Fixed Rate CD | standard | 12 months | $500 | 2.55% | Not ZIP-priced | −2.02% | 2026-10-23T03:01:46.000Z | [Snapshot 911](https://apyledger.com/snapshots/911) |
| Fixed Rate CD | standard | 18 months | $500 | 2.60% | Not ZIP-priced | −2.12% | 2026-10-23T03:01:46.000Z | [Snapshot 911](https://apyledger.com/snapshots/911) |
| Fixed Rate CD | standard | 24 months | $500 | 2.75% | Not ZIP-priced | −2.12% | 2026-10-23T03:01:46.000Z | [Snapshot 911](https://apyledger.com/snapshots/911) |
| Fixed Rate CD | standard | 36 months | $500 | 2.75% | Not ZIP-priced | −2.20% | 2026-10-23T03:01:46.000Z | [Snapshot 911](https://apyledger.com/snapshots/911) |
| Fixed Rate CD | standard | 48 months | $500 | 2.85% | Not ZIP-priced | −2.13% | 2026-10-23T03:01:46.000Z | [Snapshot 911](https://apyledger.com/snapshots/911) |
| Fixed Rate CD | standard | 60 months | $500 | 2.95% | Not ZIP-priced | −2.06% | 2026-10-23T03:01:46.000Z | [Snapshot 911](https://apyledger.com/snapshots/911) |
| Fixed Rate CD | standard | 72 months | $500 | 2.95% | Not ZIP-priced | −2.10% | 2026-10-23T03:01:46.000Z | [Snapshot 911](https://apyledger.com/snapshots/911) |
| Fixed Rate CD | standard | 84 months | $500 | 2.95% | Not ZIP-priced | −2.14% | 2026-10-23T03:01:46.000Z | [Snapshot 911](https://apyledger.com/snapshots/911) |
| Fixed Rate CD | standard | 96 months | $500 | 2.95% | Not ZIP-priced | −2.18% | 2026-10-23T03:01:46.000Z | [Snapshot 911](https://apyledger.com/snapshots/911) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.