# First Western Bank & Trust CD rates

As of October 22, 2026, First Western Bank & Trust's highest tracked CD rate is 4.20% APY on a 24-month promotional CD ($2,500 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%).

Canonical page: https://apyledger.com/cd-rates/first-western-bank-and-trust
Institution: First Western Bank & Trust (FDIC 19123)
Aliases: 
Status: live
Last verified: 2026-10-23T03:01:52.000Z (October 22, 2026)
Official source: https://www.firstwestern.bank/personal-banking/cds-iras/
Coverage: CD specials (6, 13 and 24 months) with a $500 minimum unless otherwise noted. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD | promotional | 6 months | $2,500 | 3.79% | Not ZIP-priced | −0.61% | 2026-10-23T03:01:52.000Z | [Snapshot 913](https://apyledger.com/snapshots/913) |
| CD | promotional | 13 months | $2,500 | 4.11% | Not ZIP-priced | −0.49% | 2026-10-23T03:01:52.000Z | [Snapshot 913](https://apyledger.com/snapshots/913) |
| CD | promotional | 24 months | $2,500 | 4.20% | Not ZIP-priced | −0.67% | 2026-10-23T03:01:52.000Z | [Snapshot 913](https://apyledger.com/snapshots/913) |

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.