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The First National Bank
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Deposit Rates

Discovery more about each ACCOUNT Interest Rates


* Member FDIC * Rates and APY effective and accurate as of January 23, 2019

Deposit Accounts


Account TypeMinimum DepositInterest RateAPY
First Choice Account$50.45%.45%
SuperNow (SNA)*$2,000.35%.35%
Money Market (CMA)*$3,000.55%.55%
Statement Savings*$25.35%.35%
Christmas Club*$52.00%2.02%
* Penalty for early withdrawal may be imposed.
* APY means Annual Percentage Yield
* Fees may reduce earnings
* Rates are variable and may change after account is opened

Certificate of Deposit


Account TypeMinimum DepositInterest RateAPY
3 month CD$1,000
1.00%1.00%
6 month CD*$1,000
1.25%1.26%
10 month CD$1,000
1.50%1.51%
12 month CD*$1,0001.75%1.76%
18 month CD*$500
2.00%2.01%
24 month CD*$500
2.05%
2.07%
30 month CD*$500
2.15%2.17%
36 month CD*$500
2.25%2.27%
60 month CD*$5002.50%2.52%
See Officer$250,000.01----
* Interest may be compounded quarterly
* Monthly check only if over $50.00
* APY means Annual Percentage Yield
* No monthly compounding on any CD
* A penalty will or may be imposed for early withdrawal.

Retirement Accounts


Account TypeMinimum DepositInterest RateAPY
IRA (Traditional-Variable)*$1002.00%2.02% 
IRA (Roth-Variable)*$100 
2.00% 
2.02% 
IRA (Educational-Variable)*$100 
2.00% 
2.02% 
IRA (Guaranteed-Fixed)*$5001.00% 
1.00% 

* Interest compounded monthly
* APY means Annual Percentage Yield
* A penalty will or may be imposed for early withdrawal.
* Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.

CDARS


Account TypeMinimum DepositInterest RateAPY
3 month (13 wk)*
$250,000.01 
1.10%1.11%
6 month (26 wk)*
$250,000.01 
1.35%1.36%
1 year (52 wk)*
$250,000.01 
1.85%1.86%
2 year (104 wk)*
$250,000.01 
2.15%2.17%
3 year (156 wk)*$250,000.01 
2.35%2.37%
* APY means Annual Percentage Yield.
* Fees could reduce earnings on an account.
* A penalty will or may be imposed for early withdrawal.
* Deposit Account and Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.