FDIC-Insured – Backed by the full faith and credit of the U.S. Government

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 AccountInterest RateAnnual Percentage Yield (APY)
$0 - $10,000.00$50.003.05%3.10%
$10,000.01 and Higher$50.000.10%3.10% - 0.37%

Minimum Amount to Open Account$50.00
Interest Rate3.05%
Annual Percentage Yield (APY)3.10%

Minimum Amount to Open Account$50.00
Interest Rate0.10%
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 AccountInterest RateAnnual Percentage Yield (APY)
$0 to $25,000.00$1.000.30%0.30%
$25,000.01 and Higher$1.000.25%0.30% - 0.26%

Minimum Amount to Open Account$1.00
Interest Rate0.30%
Annual Percentage Yield (APY)0.30%

Minimum Amount to Open Account$1.00
Interest Rate0.25%
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 AccountInterest RateAnnual Percentage Yield (APY)
$1,000.00 to $9,999.99$50.000.05%0.05%
$10,000.00 to $24,999.99$50.000.10%0.10%
$25,000.00 to $49,999.99$50.000.15%0.15%
$50,000.00 to $99,999.99$50.000.20%0.20%
$100,000.00 and Higher$50.000.25%0.25%

Minimum Amount to Open Account$50.00
Interest Rate0.05%
Annual Percentage Yield (APY)0.05%

Minimum Amount to Open Account$50.00
Interest Rate0.10%
Annual Percentage Yield (APY)0.10%

Minimum Amount to Open Account$50.00
Interest Rate0.15%
Annual Percentage Yield (APY)0.15%

Minimum Amount to Open Account$50.00
Interest Rate0.20%
Annual Percentage Yield (APY)0.20%

Minimum Amount to Open Account$50.00
Interest Rate0.25%
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 AccountInterest RateAnnual Percentage Yield (APY)
Simply Savings$25.000.25%0.25%
Moola Moola*$5.000.25%0.25%
Student$25.000.25%0.25%
Vacation Club$1.000.25%0.25%
Christmas Club$1.000.25%0.25%

Minimum Amount to Open Account$25.00
Interest Rate0.25%
Annual Percentage Yield (APY)0.25%

Minimum Amount to Open Account$5.00
Interest Rate0.25%
Annual Percentage Yield (APY)0.25%

Minimum Amount to Open Account$25.00
Interest Rate0.25%
Annual Percentage Yield (APY)0.25%

Minimum Amount to Open Account$1.00
Interest Rate0.25%
Annual Percentage Yield (APY)0.25%

Minimum Amount to Open Account$1.00
Interest Rate0.25%
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 AccountInterest RateAnnual Percentage Yield (APY)
$0 to $999.99$25.000.05%0.05%
$1,000.00 to $4,999.99$25.000.07%0.07%
$5,000.00 to $9,999.99$25.000.09%0.09%
$10,000.00 and Higher$25.000.11%0.11%

Minimum Amount to Open Account$25.00
Interest Rate0.05%
Annual Percentage Yield (APY)0.05%

Minimum Amount to Open Account$25.00
Interest Rate0.07%
Annual Percentage Yield (APY)0.07%

Minimum Amount to Open Account$25.00
Interest Rate0.09%
Annual Percentage Yield (APY)0.09%

Minimum Amount to Open Account$25.00
Interest Rate0.11%
Annual Percentage Yield (APY)0.11%

Hi-Fi Money Market Accounts

Minimum Amount to Open AccountInterest RateAnnual Percentage Yield (APY)
$0 to $49,999.99$50.000.25%0.25%
$50,000.00 to $99,999.99$50.000.50%0.50%
$100,000.00 to $249,999.99$50.000.80%0.80%
$250,000.00 to $499,999.99$50.001.05%1.06%
$500,000.00 to $999,999.99$50.001.25%1.26%
$1,000,000.00 and Higher$50.002.05%2.07%

Minimum Amount to Open Account$50.00
Interest Rate0.25%
Annual Percentage Yield (APY)0.25%

Minimum Amount to Open Account$50.00
Interest Rate0.50%
Annual Percentage Yield (APY)0.50%

Minimum Amount to Open Account$50.00
Interest Rate0.80%
Annual Percentage Yield (APY)0.80%

Minimum Amount to Open Account$50.00
Interest Rate1.05%
Annual Percentage Yield (APY)1.06%

Minimum Amount to Open Account$50.00
Interest Rate1.25%
Annual Percentage Yield (APY)1.26%

Minimum Amount to Open Account$50.00
Interest Rate2.05%
Annual Percentage Yield (APY)2.07%

Business Interest and Non-Profit Business Checking

Minimum Amount to Open AccountInterest RateAnnual Percentage Yield (APY)
$0.00 to $49,999.99$100.000.25%0.25%
$50,000.00 to $99,999.99$100.000.50%0.50%
$100,000.00 to $249,999.99$100.000.80%0.80%
$250,000.00 to $499,999.99$100.001.05%1.06%
$500,000.00 to $999,999.99$100.001.25%1.26%
$1,000,000.00 and Higher$100.002.05%2.07%

Minimum Amount to Open Account$100.00
Interest Rate0.25%
Annual Percentage Yield (APY)0.25%

Minimum Amount to Open Account$100.00
Interest Rate0.50%
Annual Percentage Yield (APY)0.50%

Minimum Amount to Open Account$100.00
Interest Rate0.80%
Annual Percentage Yield (APY)0.80%

Minimum Amount to Open Account$100.00
Interest Rate1.05%
Annual Percentage Yield (APY)1.06%

Minimum Amount to Open Account$100.00
Interest Rate1.25%
Annual Percentage Yield (APY)1.26%

Minimum Amount to Open Account$100.00
Interest Rate2.05%
Annual Percentage Yield (APY)2.07%

Ohio Homebuyer Plus

Annual Percentage Yield (APY) accurate as of September 5, 2025. Rate and tiers are subject to change at our discretion. Balance tiers: $0-$25,000.00, 6.250% APY; $25,000.01-$100,000.00, 6.250%- 3.38% 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 OpenInterest RateAnnual Percentage Yield
$0 - $25,000.00$500.006.078%6.250%
$25,000.01 - $100,000.00$500.003.33%6.250 - 3.38%

Minimum to Open$500.00
Interest Rate6.078%
Annual Percentage Yield6.250%

Minimum to Open$500.00
Interest Rate3.33%
Annual Percentage Yield6.250 - 3.38%

Annual Percentage Yield (APY) accurate as of September 5, 2025. Rate and tiers are subject to change at our discretion. Balance tiers: $0-$25,000.00, 6.250% APY; $25,000.01-$100,000.00, 6.250%- 3.38% 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.
TermMinimum Balance to Open
and Maintain Stated Yield
Interest RateAnnual Percentage Yield (APY)Relationship Bump-up Interest Rate1Annual Percentage Yield (APY)
90-Day$1,000.000.50%0.50%0.65%0.65%
6-Month$1,000.000.75%0.75%0.90%0.90%
7-Month Special$5,000.003.75%3.82%3.90%3.97%
12-Month$1,000.001.10%1.11%1.25%1.26%
18-Month$1,000.001.20%1.21%1.35%1.36%
24-Month$1,000.001.30%1.31%1.45%1.46%
25-Month Special$5,000.003.45%3.51%3.60%3.66%
30-Month$1,000.001.40%1.41%1.55%1.56%
36-Month$1,000.001.50%1.51%1.65%1.66%
48-Month$1,000.001.75%1.76%1.90%1.92%
60-Month$1,000.002.25%2.27%2.40%2.43%

Minimum Balance to Open
and Maintain Stated Yield
$1,000.00
Interest Rate0.50%
Annual Percentage Yield (APY)0.50%
Relationship Bump-up Interest Rate10.65%
Annual Percentage Yield (APY)0.65%

Minimum Balance to Open
and Maintain Stated Yield
$1,000.00
Interest Rate0.75%
Annual Percentage Yield (APY)0.75%
Relationship Bump-up Interest Rate10.90%
Annual Percentage Yield (APY)0.90%

Minimum Balance to Open
and Maintain Stated Yield
$5,000.00
Interest Rate3.75%
Annual Percentage Yield (APY)3.82%
Relationship Bump-up Interest Rate13.90%
Annual Percentage Yield (APY)3.97%

Minimum Balance to Open
and Maintain Stated Yield
$1,000.00
Interest Rate1.10%
Annual Percentage Yield (APY)1.11%
Relationship Bump-up Interest Rate11.25%
Annual Percentage Yield (APY)1.26%

Minimum Balance to Open
and Maintain Stated Yield
$1,000.00
Interest Rate1.20%
Annual Percentage Yield (APY)1.21%
Relationship Bump-up Interest Rate11.35%
Annual Percentage Yield (APY)1.36%

Minimum Balance to Open
and Maintain Stated Yield
$1,000.00
Interest Rate1.30%
Annual Percentage Yield (APY)1.31%
Relationship Bump-up Interest Rate11.45%
Annual Percentage Yield (APY)1.46%

Minimum Balance to Open
and Maintain Stated Yield
$5,000.00
Interest Rate3.45%
Annual Percentage Yield (APY)3.51%
Relationship Bump-up Interest Rate13.60%
Annual Percentage Yield (APY)3.66%

Minimum Balance to Open
and Maintain Stated Yield
$1,000.00
Interest Rate1.40%
Annual Percentage Yield (APY)1.41%
Relationship Bump-up Interest Rate11.55%
Annual Percentage Yield (APY)1.56%

Minimum Balance to Open
and Maintain Stated Yield
$1,000.00
Interest Rate1.50%
Annual Percentage Yield (APY)1.51%
Relationship Bump-up Interest Rate11.65%
Annual Percentage Yield (APY)1.66%

Minimum Balance to Open
and Maintain Stated Yield
$1,000.00
Interest Rate1.75%
Annual Percentage Yield (APY)1.76%
Relationship Bump-up Interest Rate11.90%
Annual Percentage Yield (APY)1.92%

Minimum Balance to Open
and Maintain Stated Yield
$1,000.00
Interest Rate2.25%
Annual Percentage Yield (APY)2.27%
Relationship Bump-up Interest Rate12.40%
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.
TermMin. Amount to Open AccountInterest RateAnnual Percentage Yield (APY)
Variable Rate Retirement Accounts (IRAs 18 Month)$100.002.75%2.78%

Min. Amount to Open Account$100.00
Interest Rate2.75%
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.

Interest Rate and Annual Percentage Yield (APY) Accurate as of September 5, 2025.

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

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