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Current Rates

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View our current rates for our Certificate of Deposits, Savings Accounts, IRAs, and Checking Accounts below:

We currently have two Certificate of Deposit Specials!  Please see the table below.
Certificate Term Interest Rate (APR) Annual Percentage Yield (APY) Preferred Customer (APR)* Preferred Customer (APY)*
91 Day CD (compounds quarterly) 0.750% 0.750% 0.850% 0.850%
182 Day CD 0.900% 0.900% 1.000% 1.000%
12 Month CD 1.200% 1.200% 1.300% 1.300%
18 Month CD 1.200% 1.200% 1.300% 1.300%
24 Month CD 1.400% 1.400% 1.500% 1.510%
30 Month CD 1.400% 1.400% 1.500% 1.510%
36 Month CD 1.450% 1.460% 1.550% 1.560%
48 Month CD 1.500% 1.510% 1.600% 1.610%
60 Month CD 1.550% 1.560% 1.650% 1.660%
*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.

Early Withdrawal Provisions
Depending on the term of your Certificate your early withdrawal penalty will be as follows:  Less than or equal to 1 year = 60 days interest on the amount withdrawn.  More than 1 year = 182 day interest on the amount withdrawn.
Certificate Term Interest Rate (APR) Annual Percentage Yield (APY) Preferred Customer (APR)* Preferred Customer (APY)*
91 Day CD (compounds quarterly) 0.800% 0.800% 0.900% 0.900%
182-Day CD 1.000% 1.000% 1.100% 1.100%
12-Month CD 1.300% 1.300% 1.400% 1.400%
18-Month CD 1.300% 1.300% 1.400% 1.400%
24-Month CD 1.500% 1.510% 1.600% 1.610%
30-Month CD 1.500% 1.510% 1.600%

1.610%
36-Month CD 1.550% 1.560% 1.650% 1.660%
48-Month CD 1.600% 1.610% 1.700% 1.710%
60-Month CD 1.650% 1.660% 1.750% 1.760%
*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.

Early Withdrawal Provisions
Depending on the term of your Certificate your early withdrawal penalty will be as follows:  Less than or equal to 1 year = 60 days interest on the amount withdrawn.  More than 1 year = 182 day interest on the amount withdrawn.
Certificate Term Interest Rate (APR) Annual Percentage Yield (APY) Preferred Customer (APR)* Preferred Customer (APY)*
91 Day CD (compounds quarterly) 0.850% 0.850% 0.950% 0.950%
182-Day CD 1.050% 1.050% 1.150% 1.150%
12-Month CD 1.350% 1.350% 1.450% 1.460%
18-Month CD 1.350% 1.350% 1.450% 1.460%
24-Month CD 1.600% 1.610% 1.700% 1.710%
30-Month CD 1.600% 1.610% 1.700% 1.710%
36-Month CD 1.650% 1.660% 1.750% 1.760%
48-Month CD 1.700% 1.710% 1.800% 1.810%
60-Month CD 1.750% 1.760% 1.850% 1.860%
*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.

Early Withdrawal Provisions
Depending on the term of your Certificate your early withdrawal penalty will be as follows:  Less than or equal to 1 year = 60 days interest on the amount withdrawn.  More than 1 year = 182 day interest on the amount withdrawn.
Certificate Term Interest Rate (APR) Annual Percentage Yield (APY) Preferred Customer (APR)* Preferred Customer (APY)*
30-Day Jumbo 1.450% 1.460% 1.450% 1.460%
30-Day Jumbo Interest compounds monthly.

*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.

Early Withdrawal Provisions
Depending on the term of your Certificate your early withdrawal penalty will be as follows:  Less than or equal to 1 year = 60 days interest on the amount withdrawn.  More than 1 year = 182 day interest on the amount withdrawn.
Certificate Term Minimum Interest Rate (APR) Annual Percentage Yield (APY)
12-Month Variable** $500.00
4.240%
 4.330%
36-Month Fixed Rate $500.00 3.500% 3.560%
60-Month Fixed Rate $5,000.00 2.500% 2.530%
**Variable rate is based on the 91 Day Treasury Bill. This rate can be adjusted monthly and has a guaranteed minimum rate of 4.200% APR with an APY of 4.290% (effective 4/1/2025 - 3/31/2026) 13 week Treasury Bill = 4.240%   26 week Treasury Bill = 4.110%
 
Early Withdrawal Provisions
Depending on the term of your Certificate your early withdrawal penalty will be as follows:  Less than or equal to 1 year = 60 days interest on the amount withdrawn.  More than 1 year = 182 day interest on the amount withdrawn.
Minimum Balance to Earn APY* Interest Rate (APR) Annual Percentage Yield (APY)
less than $9,999.99 0.150% 0.150%
$9,999.99 to $49,999.99 0.250% 0.250%
$50,000.00 or more 0.350% 0.350%
*Average Daily Balance

Interest is compounded monthly.  Interest rates may be changed at our discretion.  

Fees charged on checking accounts could reduce the earnings on these accounts.
Minimum Balance to Earn APY* Interest Rate (APR) Annual Percentage Yield (APY)
less than $9,999.99 0.100% 0.100%
$9,999.99 to $49,999.99 0.500% 0.500%
$50,000.00 or more 0.750% 0.750%
*Average Daily Balance

Interest is compounded quarterly.  Interest rates may be changed at our discretion.  

Fees charged on checking accounts could reduce the earnings on these accounts.
Minimum Balance to Earn APY* Interest Rate (APR) Annual Percentage Yield (APY)
below $100.00 0.000% 0.000%
over $100.00 0.200% 0.200%
*Average Daily Balance

Interest is compounded monthly.  Interest rates may be changed at our discretion.  

Fees charged on checking accounts could reduce the earnings on these accounts.
Minimum Balance to Earn APY* Interest Rate (APR) Annual Percentage Yield (APY)
less than $9,999.99 0.050% 0.050%
$9,999.99 to $49,999.99 0.100% 0.100%
$50,000.00 or more 0.150% 0.150%
*Average Daily Balance

Interest is compounded monthly.  Interest rates may be changed at our discretion.  

Fees charged on checking accounts could reduce the earnings on these accounts.

CURRENT CERTIFICATE OF DEPOSIT SPECIALS
 
Certificate Term Minimum Deposit Requirement Interest Rate (APR) Annual Percentage Yield (APY) Compounding Renewal
7 Month CD $10,000.00 3.950% 3.980% At Maturity Regular 182 Day  CD
*60 Month BUMP-UP CD $10,000.00 2.500% 2.520% Semi-Annually Regular 60 Month CD
*Allowed to BUMP-UP rate two times over the 60 months.  BUMP-UP rate would equal the regular 60 month rate. Renews for a regular 60 month term and rate.
 
Early Withdrawal Provisions
Depending on the term of your Certificate your early withdrawal penalty will be as follows:  Less than or equal to 1 year = 60 days interest on the amount withdrawn.  More than 1 year = 182 day interest on the amount withdrawn.