Rates | First National Bank of Pandora

First Choice Rewards Checking^**

** 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.
	Minimum Amount to Open Account	Interest Rate	Annual Percentage Yield (APY)
$0 - $10,000.00	$50.00	3.05%	3.10%
$10,000.01 and Higher	$50.00	0.10%	3.10% - 0.37%

Minimum Amount to Open Account	$50.00
Interest Rate	3.05%
Annual Percentage Yield (APY)	3.10%

Minimum Amount to Open Account	$50.00
Interest Rate	0.10%
Annual Percentage Yield (APY)	3.10% - 0.37%

** 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^***

*** 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.
	Minimum Amount to Open Account	Interest Rate	Annual Percentage Yield (APY)
$0 to $25,000.00	$1.00	0.30%	0.30%
$25,000.01 and Higher	$1.00	0.25%	0.30% - 0.26%

Minimum Amount to Open Account	$1.00
Interest Rate	0.30%
Annual Percentage Yield (APY)	0.30%

Minimum Amount to Open Account	$1.00
Interest Rate	0.25%
Annual Percentage Yield (APY)	0.30% - 0.26%

*** 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.

First Choice Basic Checking

	Minimum Amount to Open Account	Interest Rate	Annual Percentage Yield (APY)
$1,000.00 to $9,999.99	$50.00	0.05%	0.05%
$10,000.00 to $24,999.99	$50.00	0.10%	0.10%
$25,000.00 to $49,999.99	$50.00	0.15%	0.15%
$50,000.00 to $99,999.99	$50.00	0.20%	0.20%
$100,000.00 and Higher	$50.00	0.25%	0.25%

Minimum Amount to Open Account	$50.00
Interest Rate	0.05%
Annual Percentage Yield (APY)	0.05%

Minimum Amount to Open Account	$50.00
Interest Rate	0.10%
Annual Percentage Yield (APY)	0.10%

Minimum Amount to Open Account	$50.00
Interest Rate	0.15%
Annual Percentage Yield (APY)	0.15%

Minimum Amount to Open Account	$50.00
Interest Rate	0.20%
Annual Percentage Yield (APY)	0.20%

Minimum Amount to Open Account	$50.00
Interest Rate	0.25%
Annual Percentage Yield (APY)	0.25%

Savings Accounts^*

* 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.
	Minimum Amount to Open Account	Interest Rate	Annual Percentage Yield (APY)
Simply Savings	$25.00	0.25%	0.25%
Moola Moola*	$5.00	0.25%	0.25%
Student	$25.00	0.25%	0.25%
Vacation Club	$1.00	0.25%	0.25%
Christmas Club	$1.00	0.25%	0.25%

Minimum Amount to Open Account	$25.00
Interest Rate	0.25%
Annual Percentage Yield (APY)	0.25%

Minimum Amount to Open Account	$5.00
Interest Rate	0.25%
Annual Percentage Yield (APY)	0.25%

Minimum Amount to Open Account	$25.00
Interest Rate	0.25%
Annual Percentage Yield (APY)	0.25%

Minimum Amount to Open Account	$1.00
Interest Rate	0.25%
Annual Percentage Yield (APY)	0.25%

Minimum Amount to Open Account	$1.00
Interest Rate	0.25%
Annual Percentage Yield (APY)	0.25%

* 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.

Health Savings Accounts

	Minimum Amount to Open Account	Interest Rate	Annual Percentage Yield (APY)
$0 to $999.99	$25.00	0.05%	0.05%
$1,000.00 to $4,999.99	$25.00	0.07%	0.07%
$5,000.00 to $9,999.99	$25.00	0.09%	0.09%
$10,000.00 and Higher	$25.00	0.11%	0.11%

Minimum Amount to Open Account	$25.00
Interest Rate	0.05%
Annual Percentage Yield (APY)	0.05%

Minimum Amount to Open Account	$25.00
Interest Rate	0.07%
Annual Percentage Yield (APY)	0.07%

Minimum Amount to Open Account	$25.00
Interest Rate	0.09%
Annual Percentage Yield (APY)	0.09%

Minimum Amount to Open Account	$25.00
Interest Rate	0.11%
Annual Percentage Yield (APY)	0.11%

Hi-Fi Money Market Accounts

	Minimum Amount to Open Account	Interest Rate	Annual Percentage Yield (APY)
$0 to $49,999.99	$50.00	0.25%	0.25%
$50,000.00 to $99,999.99	$50.00	0.50%	0.50%
$100,000.00 to $249,999.99	$50.00	0.80%	0.80%
$250,000.00 to $499,999.99	$50.00	1.05%	1.06%
$500,000.00 to $999,999.99	$50.00	1.25%	1.26%
$1,000,000.00 and Higher	$50.00	2.05%	2.07%

Minimum Amount to Open Account	$50.00
Interest Rate	0.25%
Annual Percentage Yield (APY)	0.25%

Minimum Amount to Open Account	$50.00
Interest Rate	0.50%
Annual Percentage Yield (APY)	0.50%

Minimum Amount to Open Account	$50.00
Interest Rate	0.80%
Annual Percentage Yield (APY)	0.80%

Minimum Amount to Open Account	$50.00
Interest Rate	1.05%
Annual Percentage Yield (APY)	1.06%

Minimum Amount to Open Account	$50.00
Interest Rate	1.25%
Annual Percentage Yield (APY)	1.26%

Minimum Amount to Open Account	$50.00
Interest Rate	2.05%
Annual Percentage Yield (APY)	2.07%

Business Interest and Non-Profit Business Checking

	Minimum Amount to Open Account	Interest Rate	Annual Percentage Yield (APY)
$0.00 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	0.80%	0.80%
$250,000.00 to $499,999.99	$100.00	1.05%	1.06%
$500,000.00 to $999,999.99	$100.00	1.25%	1.26%
$1,000,000.00 and Higher	$100.00	2.05%	2.07%

Minimum Amount to Open Account	$100.00
Interest Rate	0.25%
Annual Percentage Yield (APY)	0.25%

Minimum Amount to Open Account	$100.00
Interest Rate	0.50%
Annual Percentage Yield (APY)	0.50%

Minimum Amount to Open Account	$100.00
Interest Rate	0.80%
Annual Percentage Yield (APY)	0.80%

Minimum Amount to Open Account	$100.00
Interest Rate	1.05%
Annual Percentage Yield (APY)	1.06%

Minimum Amount to Open Account	$100.00
Interest Rate	1.25%
Annual Percentage Yield (APY)	1.26%

Minimum Amount to Open Account	$100.00
Interest Rate	2.05%
Annual Percentage Yield (APY)	2.07%

Ohio Homebuyer Plus

Annual Percentage Yield (APY) accurate as of October 10, 2025. Rate and tiers are subject to change at our discretion. Balance tiers: $0-$25,000.00, 6.000% APY; $25,000.01-$100,000.00, 6.00%- 3.14% APY. Fees could reduce earnings. Consult a tax advisor regarding individual circumstances and potential tax implications. Customer must agree to the Ohio Homebuyer Plus Participation Agreement prior to opening the account.
	Minimum to Open	Interest Rate	Annual Percentage Yield
$0 - $25,000.00	$500.00	5.840%	6.000%
$25,000.01 - $100,000.00	$500.00	3.10%	6.00 - 3.14%

Minimum to Open	$500.00
Interest Rate	5.840%
Annual Percentage Yield	6.000%

Minimum to Open	$500.00
Interest Rate	3.10%
Annual Percentage Yield	6.00 - 3.14%

Annual Percentage Yield (APY) accurate as of October 10, 2025. Rate and tiers are subject to change at our discretion. Balance tiers: $0-$25,000.00, 6.000% APY; $25,000.01-$100,000.00, 6.00%- 3.14% APY. Fees could reduce earnings. Consult a tax advisor regarding individual circumstances and potential tax implications. Customer must agree to the Ohio Homebuyer Plus Participation Agreement prior to opening the account.

CDs

^1.Relationship Bump-up interest rate customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00.
Term	Minimum Balance to Open and Maintain Stated Yield	Interest Rate	Annual Percentage Yield (APY)	Relationship Bump-up Interest Rate¹	Annual Percentage Yield (APY)
90-Day	$1,000.00	0.50%	0.50%	0.65%	0.65%
6-Month	$1,000.00	0.75%	0.75%	0.90%	0.90%
7-Month Special	$5,000.00	3.75%	3.82%	3.90%	3.97%
12-Month	$1,000.00	1.10%	1.11%	1.25%	1.26%
18-Month	$1,000.00	1.20%	1.21%	1.35%	1.36%
24-Month	$1,000.00	1.30%	1.31%	1.45%	1.46%
25-Month Special	$5,000.00	3.45%	3.51%	3.60%	3.66%
30-Month	$1,000.00	1.40%	1.41%	1.55%	1.56%
36-Month	$1,000.00	1.50%	1.51%	1.65%	1.66%
48-Month	$1,000.00	1.75%	1.76%	1.90%	1.92%
60-Month	$1,000.00	2.25%	2.27%	2.40%	2.43%

Minimum Balance to Open and Maintain Stated Yield	$1,000.00
Interest Rate	0.50%
Annual Percentage Yield (APY)	0.50%
Relationship Bump-up Interest Rate¹	0.65%
Annual Percentage Yield (APY)	0.65%

Minimum Balance to Open and Maintain Stated Yield	$1,000.00
Interest Rate	0.75%
Annual Percentage Yield (APY)	0.75%
Relationship Bump-up Interest Rate¹	0.90%
Annual Percentage Yield (APY)	0.90%

Minimum Balance to Open and Maintain Stated Yield	$5,000.00
Interest Rate	3.75%
Annual Percentage Yield (APY)	3.82%
Relationship Bump-up Interest Rate¹	3.90%
Annual Percentage Yield (APY)	3.97%

Minimum Balance to Open and Maintain Stated Yield	$1,000.00
Interest Rate	1.10%
Annual Percentage Yield (APY)	1.11%
Relationship Bump-up Interest Rate¹	1.25%
Annual Percentage Yield (APY)	1.26%

Minimum Balance to Open and Maintain Stated Yield	$1,000.00
Interest Rate	1.20%
Annual Percentage Yield (APY)	1.21%
Relationship Bump-up Interest Rate¹	1.35%
Annual Percentage Yield (APY)	1.36%

Minimum Balance to Open and Maintain Stated Yield	$1,000.00
Interest Rate	1.30%
Annual Percentage Yield (APY)	1.31%
Relationship Bump-up Interest Rate¹	1.45%
Annual Percentage Yield (APY)	1.46%

Minimum Balance to Open and Maintain Stated Yield	$5,000.00
Interest Rate	3.45%
Annual Percentage Yield (APY)	3.51%
Relationship Bump-up Interest Rate¹	3.60%
Annual Percentage Yield (APY)	3.66%

Minimum Balance to Open and Maintain Stated Yield	$1,000.00
Interest Rate	1.40%
Annual Percentage Yield (APY)	1.41%
Relationship Bump-up Interest Rate¹	1.55%
Annual Percentage Yield (APY)	1.56%

Minimum Balance to Open and Maintain Stated Yield	$1,000.00
Interest Rate	1.50%
Annual Percentage Yield (APY)	1.51%
Relationship Bump-up Interest Rate¹	1.65%
Annual Percentage Yield (APY)	1.66%

Minimum Balance to Open and Maintain Stated Yield	$1,000.00
Interest Rate	1.75%
Annual Percentage Yield (APY)	1.76%
Relationship Bump-up Interest Rate¹	1.90%
Annual Percentage Yield (APY)	1.92%

Minimum Balance to Open and Maintain Stated Yield	$1,000.00
Interest Rate	2.25%
Annual Percentage Yield (APY)	2.27%
Relationship Bump-up Interest Rate¹	2.40%
Annual Percentage Yield (APY)	2.43%

^1.Relationship Bump-up interest rate customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00.

Individual Retirement Accounts¹

^1.Customers of retirement age (59 1/2 years or older) that have an 18-Month variable IRA are permitted to withdraw 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.
Term	Min. Amount to Open Account	Interest Rate	Annual Percentage Yield (APY)
Variable Rate Retirement Accounts (IRAs 18 Month)	$100.00	2.75%	2.78%

Min. Amount to Open Account	$100.00
Interest Rate	2.75%
Annual Percentage Yield (APY)	2.78%

^1.Customers of retirement age (59 1/2 years or older) that have an 18-Month variable IRA are permitted to withdraw 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.

View Our Rates

View Our Rates

First Choice Rewards Checking^**

First Choice Rewards Savings^***

First Choice Basic Checking

Savings Accounts^*

Health Savings Accounts

Hi-Fi Money Market Accounts

Business Interest and Non-Profit Business Checking

Ohio Homebuyer Plus

CDs

Individual Retirement Accounts¹

View Our Rates

View Our Rates

First Choice Rewards Checking**

$0 - $10,000.00

$10,000.01 and Higher

First Choice Rewards Savings***

$0 to $25,000.00

$25,000.01 and Higher

First Choice Basic Checking

$1,000.00 to $9,999.99

$10,000.00 to $24,999.99

$25,000.00 to $49,999.99

$50,000.00 to $99,999.99

$100,000.00 and Higher

Savings Accounts*

Simply Savings

Moola Moola*

Student

Vacation Club

Christmas Club

Health Savings Accounts

$0 to $999.99

$1,000.00 to $4,999.99

$5,000.00 to $9,999.99

$10,000.00 and Higher

Hi-Fi Money Market Accounts

$0 to $49,999.99

$50,000.00 to $99,999.99

$100,000.00 to $249,999.99

$250,000.00 to $499,999.99

$500,000.00 to $999,999.99

$1,000,000.00 and Higher

Business Interest and Non-Profit Business Checking

$0.00 to $49,999.99

$50,000.00 to $99,999.99

$100,000.00 to $249,999.99

$250,000.00 to $499,999.99

$500,000.00 to $999,999.99

$1,000,000.00 and Higher

Ohio Homebuyer Plus

$0 - $25,000.00

$25,000.01 - $100,000.00

CDs

Term - 90-Day

Term - 6-Month

Term - 7-Month Special

Term - 12-Month

Term - 18-Month

Term - 24-Month

Term - 25-Month Special

Term - 30-Month

Term - 36-Month

Term - 48-Month

Term - 60-Month

Individual Retirement Accounts1

Term - Variable Rate Retirement Accounts (IRAs 18 Month)

First Choice Rewards Checking^**

First Choice Rewards Savings^***

Savings Accounts^*

Individual Retirement Accounts¹