Certificates of Deposit

If you are looking for safety as well as a solid rate of return when you invest, consider a First National Bank Certificate of Deposit. We offer a wide range of certificates with various terms and interest rates depending on your investment needs.

  • Choose maturity from 3 months to 60 months
  • Interest payable by direct deposit, monthly, quarterly, annually
  • FDIC insured


Time Certificate of Deposit Rates
APY & Interest Rates Effective May 12, 2008.
Term
APY*
Interest Rate
Minimum Deposit
60 Months
3.00%
2.97%
$1,000.00
48 Months
2.75%
2.72%
$1,000.00
36 Months-Raise-A-Rate**
2.75%
2.72%
$5,000.00
24 Months
2.50%
2.48%
$1,000.00
18 Months
2.25%
2.23%
$1,000.00
12 Months
2.00%
1.99%
$1,000.00
6 Months
1.50%
1.49%
$1,000.00
3 Months
1.00%
1.00%
$1,000.00
CD Specials
7 Months
2.75%
2.73%
$5,000.00
13 Months
2.90%
2.87%
$5,000.00
*APY - Annual Percentage Yield
Substantial Penalty for Early Withdrawal
**Variable Rate Account - The rate may change after the account is opened.

Individual Retirement Accounts

IRA’s provide a smart way to save for retirement because qualifying taxpayers earn interest tax deferred. Fixed rate IRA CDs are available in terms from 12 months to 60 months along with variable rate IRA CDs available in 18- month terms with: no service fees, $200 minimum to open variable rate IRA and $1,000 minimum to open fixed rate IRA.


Retirement Account Rates: IRA-SEP-KEOUGH
effective as of May 12, 2008.
Term
APY*
Interest Rate
Minimum Deposit
48 Months
3.00%
2.97%
$1,000.00
Variable Rate Account**
2.75%
2.72%
< $10,000.00
3.00%
2.97%
> $10,000.00
*APY - Annual Percentage Yield
Substantial Penalty for Early Withdrawal
**Variable Rate Account - The rate may change after the account is opened.
SEE ABOVE FOR FIXED RATE IRA TERMS

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