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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 Deposit (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

 

CD and IRA Interest Rates and Annual Percentage Yield (APY) Accurate as of May 13, 2021.

Term

Minimum Amount to Open Account

Interest Rate

Annual Percentage Yield (APY)

Certificates of Deposit 3

90 DAY

$ 1,000.00

0.03%

0.03%

06 MONTH

$ 1,000.00

0.05%

0.05%

12 MONTH

$ 1,000.00

0.08%

0.08%

18 MONTH

 $1,000.00

0.10% 

 0.10%

24 MONTH

$ 1,000.00

0.15%

0.15%

30 MONTH

 $1.000.00

0.20% 

 0.20%

36 MONTH

$ 1,000.00

0.25%

0.25%

48 MONTH

$ 1,000.00

0.35%

0.35%

60 MONTH

$ 1,000.00

0.40%

0.40%

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

 

 

+0.05% for FNB relationship 2

+0.05% for CD balance > $100,000.00 2

2 CDs are eligible for an additional Relationship Bump-Up of 0.05% by having a checking account, savings account or active loan with FNB.  Minimum Balance to receive the Bump-Up is $2,500.00.  CDs over $100,000.00 are eligible for a 0.05% rate Bump-Up.

3 Penalty may be imposed for early withdrawal from CD.

 

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 IRA adjusts every 6 months
  • No set-up or annual fees

Term

Min. Amount to Open Account

Interest Rate

Annual Percentage Yield (APY)

Individual Retirement Accounts 4

Variable Rate Retirement Accounts (IRAs 18 Month)

$ 100.00

0.65%

0.65%

 4 Customers of retirement age (59 1/2 years or older) that have an 18-Month variable IRA are permitted to withdrawal a portion of funds without penalty. A customer in a fixed rate IRA with a specific term may be assessed an early withdrawal penalty as stated at account opening. Variable IRA rate is subject to change after account is opened.

CDARS Program 

The Certificate of Deposit Account Registry Service (CDARS) is a secure and simple way to invest large funds into FDIC insured CDs. Access additional coverage on your investments with funds divided among other FDIC insured financial institutions all while still having access to your money when you need it. For more information about the CDARs program click here.

 

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