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The First National Bank
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Deposit Rates

Discover more about ACCOUNT Interest Rates


* Member FDIC * Rates and APY effective and accurate as of March 23, 2022

Deposit Accounts


Account Type Minimum Deposit Interest Rate APY
First Choice Account $50 .40% .40%
SuperNow (SNA)* $2,000 .50% .50%
Money Market (CMA)* $3,000 1.65%
1.66%
Statement Savings* $25 .60% .60%
Christmas Club* $5 3.00% 3.03%
* 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 Type Minimum Deposit Interest Rate APY
3 month CD $1,000
3.25% 3.29%
6 month CD* $1,000
3.30%
3.34%
10 month CD $1,000
5.00% 5.09%
12 month CD* $1,000 3.35% 3.39%
18 month CD* $500
3.40% 3.44%
24 month CD* $500
3.45%
3.49%
30 month CD* $500
3.50% 3.55%
36 month CD* $500
3.55% 3.60%
60 month CD* $500 3.60% 3.65%
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 Type Minimum Deposit Interest Rate APY
IRA (Traditional-Variable)* $100 3.40% 3.44% 
IRA (Roth-Variable)* $100 
3.40% 
3.44% 
IRA (Educational-Variable)* $100 
3.40% 
3.44% 
IRA (Guaranteed-Fixed)* $500 3.30% 
3.34% 





* 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 Type Minimum Deposit Interest Rate APY
3 month (13 wk)*
$250,000.01 
3.35% 3.39%
6 month (26 wk)*
$250,000.01 
3.40%
3.44%
1 year (52 wk)*
$250,000.01 
3.45% 3.49%
2 year (104 wk)*
$250,000.01 
3.50% 3.55%
3 year (156 wk)* $250,000.01 
3.70% 3.75%




* 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.