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Current Rates

March 10,  2010  through  March 16,  2010
Certificate of Deposit $500.00 Minimum
Certificate Term Interest Rate (APR) Annual Percentage Yield (APY) Preferred Customer (APR)*** Preferred Customer (APY)***
91 Day CD (compounds quarterly) 0.250% 0.250% 0.400% 0.400%
182-Day CD 0.600% 0.600% 0.750% 0.750%
12-Month CD 0.750% 0.750% 0.900% 0.900%
18-Month CD 1.000% 1.000% 1.150% 1.150%
24-Month CD 1.150% 1.150% 1.300% 1.300%
30-Month CD 1.350% 1.350% 1.500% 1.510%
36-Month CD 1.600% 1.610% 1.750% 1.760%
48-Month CD 1.900% 1.910% 2.050% 2.060%
60-Month CD 2.200% 2.210% 2.350% 2.360%
***Preferred Customer Rates - To qualify for the FNB Customer Preferred Rate customers must have a Regular/Business checking account or a Free checking account with at least one electronic deposit per month.


Certificate of Deposit
$10,000.00 Minimum
Certificate Term Interest Rate (APR) Annual Percentage Yield (APY) Preferred Customer (APR)*** Preferred Customer (APY)***
91 Day CD (compounds quarterly) 0.450% 0.450% 0.600% 0.600%
182-Day CD 0.800% 0.800% 0.950% 0.950%
12-Month CD .950% .950% 1.1000% 1.100%
18-Month CD 1.050% 1.050% 1.200% 1.200%
24-Month CD 1.350% 1.350% 1.500% 1.510%
30-Month CD 1.600% 1.610% 1.750% 1.760%
36-Month CD 1.850% 1.860% 2.000% 2.010%
48-Month CD 2.150% 2.160% 2.300% 2.310%
60-Month CD 2.450% 2.460% 2.600% 2.620%
***Preferred Customer Rates - To qualify for the FNB Customer Preferred Rate customers must have a Regular/Business checking account or a Free checking account with at least one electronic deposit per month.


Certificate of Deposit
$50,000.00 Minimum
Certificate Term Interest Rate (APR) Annual Percentage Yield (APY) Preferred Customer (APR)*** Preferred Customer (APY)***
91 Day CD (compounds quarterly) 0.550% 0.550% 0.700% 0.700%
182-Day CD 0.900% 0.900% 1.050% 1.050%
12-Month CD 1.000% 1.000% 1.150% 1.150%
18-Month CD 1.100% 1.100% 1.250% 1.250%
24-Month CD 1.600% 1.610% 1.750% 1.760%
30-Month CD 1.750% 1.760% 1.900% 1.910%
36-Month CD 2.000% 2.010% 2.150% 2.160%
48-Month CD 2.300% 2.310% 2.450% 2.460%
60-Month CD 2.500% 2.520% 2.650% 2.670%
***Preferred Customer Rates - To qualify for the FNB Customer Preferred Rate customers must have a Regular/Business checking account or a Free checking account with at least one electronic deposit per month.


Certificate of Deposit
$100,000.00 Minimum
Certificate Term Interest Rate (APR) Annual Percentage Yield (APY) Preferred Customer (APR)*** Preferred Customer (APY)***
30-Day Jumbo 0.150% 0.150% 0.200% 0.200%
30-DAY JUMBO INTEREST COMPOUNDS MONTHLY


CurrentCertificate of Deposit Specials

Certificate Term Interest Rate (APR) Annual Percentage Yield (APY)



IRA Certificates
Interest is compounded daily and credited to the account annually
Certificate Term Minimum Interest Rate (APR) Annual Percentage Yield (APY)
12-Month Variable** $500.00 0.500% 0.500%
36-Month Fixed Rate $500.00 2.250% 2.280%
36-Month Bump Up- Rate can increase 2 times during the term to the regular 36 Month IRA rate. Renews for regular 36 Month IRA term & rate $5,000.00 2.400% 2.430%
**Variable rate is based on the 91 Day Treasury Bill. This rate can be adjusted monthly and has a guaranteed mimimum rate of 0.500% APR with an APY of 0.500% (effective 4/1/2009 - 3/31/2010)
A penalty may be imposed for early withdrwal of funds from certificates of deposit.
13 week Treasury Bill = 0.152%
26 week Treasury Bill = 0.208%


Checking Accounts
Current Rates
Interest is compounded monthly.
Interest rates may be changed at our discretion.
Type of Account Mimimum Balance to Earn APY* Interest Rate (APR) Annual Percentage Yield (APY)
1st Interest $1,000.00 Minimum deposit required to open
-Avg Balance less than $9,999.99 0.150% 0.150%
-Avg Balance $9,999.99 to $49,999.99 0.350% 0.350%
-Avg Balance $50,000.00 or more 0.500% 0.500%
1st IMMC $1,000.00 Minimum deposit required to open
-Avg Balance less than $9,999.99 0.350% 0.350%
-Avg Balance $9,999.99 to $49,999.99 0.500% 0.500%
-Avg Balance $50,000.00 or more 1.000% 1.000%
*Average Daily Balance
Fees charged on checking accounts could reduce the earnings on these accounts.


Savings Accounts
Current Rates
Interest is compounded quarterly.
Interest rates may be changed at our discretion.
Type of Account Mimimum Balance to Earn APY* Interest Rate (APR) Annual Percentage Yield (APY)
Passbook Savings $100.00 Minimum deposit
-Avg Balance below $100.00 0.000% 0.000%
-Avg Balance over $100.00 0.500% 0.500%
*Average Daily Balance
Fees charged on savings accounts could reduce the earnings on these accounts.