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CDs & IRAs

Savings with security. Maximize the earning power of your savings with a competitive interest rate.

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Certificates of Deposits (CDs)

We offer a wide variety of CD options with fixed rates so you know exactly what you're earning, no matter what the market does. Pick the term that fits your needs and lock in a rate. Then just sit back and relax. We'll handle the rest!

  • Fixed rates for guaranteed returns
  • No set-up or annual fees
  • Interest compounded and paid monthly
  • Convenient automatic renewal available

Term

Minimum Amount to Open Account

Interest Rate

Annual Percentage Yield (APY)

Certificates of Deposits

90 DAY

$ 1,000.00

0.50%

0.50%

06 MONTH

$ 1,000.00

0.70%

0.70%

12 MONTH

$ 1,000.00

1.00%

1.00%

 13 MONTH CD SPECIAL**

 $1,000.00

2.42% 

 2.45%**

18 MONTH

$ 1,000.00

1.24%

1.25%

24 MONTH

$ 1,000.00

1.44%

1.45%

 25 MONTH CD SPECIAL**

 $1,000.00

2.62% 

 2.65%**

30 MONTH

$ 1,000.00

1.54%

1.55%

36 MONTH

$ 1,000.00

1.73%

1.75%

48 MONTH

$ 1,000.00

2.23%

2.25%

60 MONTH

$ 1,000.00

2.81%

2.85%

Relationship Bump-Up Rates: Minimum Balance of $2,500.00

 

 

+0.15%* for any FNB relationship

*CDs are eligible for Relationship Bump-Up with a Minimum Balance of $2,500.00. Relationship Bump-Up rate of 0.15% for any relationship with First National Bank. FNB relationship is defined as a checking account, savings account or active loan.

**Annual Percentage Yield (APY) and interest rate is accurate and effective as of 10/13/2018, expires 12/31/2018 and is subject to change without notice. Limit one CD per Tax ID number. Penalty for early withdrawal prior to maturity is six months loss of interest based on the current interest rate. Public funds not eligible. $1,000.00 minimum to open and earn disclosed APY.  FNB relationship is defined as a checking account, savings account or active loan. Relationship Bump-Up rate of 0.15% for any relationship with First National Bank. Fees may reduce earnings.

Individual Retirement Accounts (IRAs)

Save now for retirement and have the freedom to do what you want later.

  • Traditional and Roth IRAs are available
  • Interest is compounded monthly
  • Fixed rate IRAs are tied to CD terms and rates
  • 18-month variable rate tied to 60-month CD
  • No annual fee or service charge

Term

Min. Amount to Open Account

Interest Rate

Annual Percentage Yield (APY)

Individual Retirement Accounts

Variable Rate Retirement Accounts (IRAs 18 Month)

$ 100.00

2.81%

2.85%

 

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