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Checking & Savings Account Rates

It’s important to know what your money is earning in your account. Putting You. First. Always means making that information easily accessible for you to see at any time.

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Account Rates

Interest Rate and Annual Percentage Yield (APY) Accurate as of November 15, 2018.

Account Type

Minimum Amount to Open Account

Interest Rate

Annual Percentage Yield (APY)

Rates

First Choice Rewards Checking**

$0 - $10,000.00

$50.00

2.03%

2.05%

$10,000.01 and Higher

$50.00

0.05%

2.05% - 0.23%

First Choice Rewards Savings***

$0 to $25,000.00

$1.00

0.50%

0.50%

$25,000.01 and Higher

$1.00

0.05%

0.50% - 0.14%

First Choice Basic (consumers only)

*Interest paid on this account at a blended rate based on account balance

$1,000.00 to $9,999.99

$50.00

0.05%

0.05%

$10,000.00 to $24,999.99

$50.00

0.05%

0.05%

$25,000.00 to $49,999.99

$50.00

0.10%

0.10%

$50,000.00 to $99,999.99

$50.00

0.15%

0.15%

$100,000.00 and Higher

$50.00

0.25%

0.25%

Savings Accounts

Simply Savings

$25.00

0.03%

0.03%

Moola Moola*

$5.00

0.05%

0.05%

Student

$25.00

0.05%

0.05%

Vacation Club

$1.00

0.03%

0.03%

Christmas Club

$1.00

0.03%

0.03%

Health Savings Accounts

$0 to $999.99

$25.00

0.05%

0.05%

$1,000.00 to $4,999.99

$25.00

0.05%

0.05%

$5,000.00 to $9,999.99

$25.00

0.10%

0.10%

$10,000.00 and Higher

$25.00

0.15%

0.15%

Hi-Fi Money Market Accounts

$0 to $9,999.99

$50.00 

0.10%

0.10%

$10,000.00 to $24,999.99

$50.00

0.25%

0.25%

$25,000.00 to $49,999.99

$50.00

0.50%

0.50%

$50,000.00 to $499,999.99

$50.00

0.75%

0.75%

$500,000.00 and Higher

$50.00

1.24%

1.25%

Business Interest and Non-Profit Business Checking

$0.00 to $24,999.99

$100.00

0.10%

0.10%

$25,000.00 to $49,999.99

$100.00

0.25%

0.25%

$50,000.00 to $99,999.99

$100.00

0.50%

0.50%

$100,000.00 to $249,999.99

$100.00

0.75%

0.75%

$250,000 to $999,999.99

$100.00

1.04%

1.05%

$1,000,000.00 and Higher

$100.00

1.98%

2.00%

* For the Moola Moola account, at the time of account opening First National Bank will deposit up to $25.00 into the Moola Moola account to match the account opening deposit. The minimum deposit to open and earn the bonus is $5.00. The account opening bonus will not exceed $25.00.

** First Choice Rewards Checking rates apply if qualifications are met. 0.01% APY applies to all balances if qualifications are not met. Qualifying transactions must post and clear account during the monthly qualification cycle. APY range based on balance in account.

*** First Choice Rewards Savings rates apply if qualifications are met each monthly qualification cycle on First Choice Rewards Checking account. 0.01% APY applies to all balances if qualifications are not met. APY range based on balance in account.

Interest Rates and APY may change daily on variable rate accounts.

Please check with a Customer Service Representative for more information.

PANDORA - 102 E Main St, Pandora OH 45877

419-384-3221

BLUFFTON - 112 Cherry St, Bluffton OH 45817

419-358-5500

FINDLAY (EAST) - 1630 Tiffin Ave, Findlay OH 45840

419-429-6000

FINDLAY (WEST) - 1114 Trenton Ave, Findlay, OH 45840

419-425-2500

OTTAWA - 855 N Locust St, Ottawa OH 45877

419-523-5500

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