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FirstRate Savings Account

Earn an exclusive rate of 3.00% APY with FirstRate Savings1

Put Your Savings to Work

Enjoy a promotional rate guaranteed for six months, giving your savings the opportunity to grow with confidence. With a First National Bank (FNB) FirstRate Savings Account, you can earn a competitive 3.00% annual percentage yield (APY)* on qualifying balances while keeping easy access to your money.

Offer Details

Easy to Get Started

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Maintain a Qualifying FNB Checking Account
To become and remain eligible for the promotional APY, you need to maintain a qualifying consumer checking account with an active direct deposit. Qualifying checking accounts include eStyle Account, Freestyle Checking, Lifestyle Checking, Premierstyle, Student Checking and Workplace First Checking.

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Have an Active Direct Deposit
You will need to have an active direct deposit set up in your qualifying FNB checking account. Set up a new direct deposit in minutes using Direct Deposit Switch.

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Open and Fund Your New FirstRate Savings Account
Open a new FirstRate Savings Account and fund it with at least $5,000 in new money. Any account that is not funded within 30 days of opening will be closed.

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Ready to get started? Add the FirstRate Savings Account to your cart and apply in minutes with our innovative eStore® Common app.

FirstRate Savings

Your Path to a Higher Savings Rate Starts Here

Get started with a new FirstRate Savings Account and enjoy the opportunity to earn a promotional 3.00% rate. FirstRate Savings makes it easier to grow your money while saving for future goals, planned purchases or unexpected expenses.

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Features of a FirstRate Savings Account

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Skip the Service Charge

No monthly service charge with an average daily balance of $500+.

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Save More, Earn More

With competitive interest rates, you can earn more on higher balances.

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Grow Your Savings Faster

Interest compounding quarterly helps maximize your earnings.

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Don't Have an Eligible FNB Checking Account?

You can apply for an eligible FNB checking account and a FirstRate Savings Account at the same time using our eStore Common app. After all checking account promotional requirements have been completed, your promotional savings rate and any eligible cash bonus offer will be activated.
Get Started

Promotional APY Offer Details

Eligibility1

To qualify for this offer, you must:

  • Open a new FirstRate Savings Account during the Enrollment Period.
  • Reference promo code HYSQ326 at account opening in-branch. To redeem online at fnb-online.com, you must add the offer to the shopping cart and proceed to checkout when opening your account.
  • Fund the account with a minimum opening deposit of $5,000 net-new funds.
  • Maintain a qualifying consumer checking account with direct deposit.

The Promotional Annual Percentage Yield ("Promotional APY") of [3%] will be automatically applied to eligible accounts and will remain in effect for a minimum of 180 days following account opening and upon receipt of the required minimum deposit (the "Promotion Period"). At the end of the Promotion Period, the account will automatically begin earning the then-current Standard APY without further action by you.

This offer:

  • Applies only to new FirstRate Savings Accounts.
  • Is limited to one FirstRate Savings Promotional APY offer per customer.
  • Is not available for Checking Accounts, Money Market Accounts or Certificates of Deposit (CDs).
  • May be subject to additional restrictions.

Offer Requirements1

Account Opening

  • A minimum opening deposit of $5,000 net-new funds is required.
  • To receive the Promotional APY, a minimum balance of $5,000 from the initial opening deposit must remain on deposit throughout the Promotional Period.
  • Accounts not funded within 90 days of opening will be closed.

Net-New Funds Definition
Net-new funds are funds originating from outside First National Bank and its affiliates and deposited into the FirstRate Savings Account.

  • Eligible net-new funds include:
    • Deposits from accounts held at other financial institutions.
    • External ACH transfers.
    • Wire transfers from non-FNB accounts.
  • Net-new funds do not include:
    • Transfers from accounts held at First National Bank, including checking, savings, money market, or certificate of deposit accounts.
    • Transfers from accounts held with any FNB affiliate.
    • Any interest credited to the FirstRate Savings Account and subsequently transferred outside the Bank will be treated as an account outflow when calculating net-new funds.

Direct Deposit

  • Your qualifying direct deposit must be an electronic-type deposit, including, but not limited to, a paycheck or pension from your employer, government benefits (such as Social Security), or other affiliated depositors. External bank transfers and person-to-person payments (such as Venmo, PayPal, etc.) are not considered qualifying direct deposits.

Enrollment Period

  • Offer valid from November 1, 2026 through December 31, 2026.
  • We reserve the right to modify, suspend, or terminate this offer at any time without notice.

Promotion Period

  • The Promotional APY begins upon account opening and receipt of the required minimum deposit.
  • The Promotional APY will remain in effect for a minimum of 180 days.
  • After the Promotion Period, the account will earn the Standard APY then in effect.

Standard APY

Maximum Eligible Balance

  • The Promotional APY applies to balances up to $500,000.
  • If the account balance exceeds $500,000, the entire account balance will earn the Standard APY instead of the Promotional APY.

Qualifying Checking Account Requirement

To remain eligible for the Promotional APY, you must maintain a qualifying consumer checking account with active direct deposit.Eligible checking accounts include:

  • eStyle
  • Freestyle
  • Lifestyle
  • Premierstyle
  • Student Checking
  • Workplace First Checking

Interest Information1

  • Interest accrues from the date of deposit through the day before withdrawal.
  • Interest is compounded quarterly and credited quarterly.
  • Interest is paid to the FirstRate Savings Account.

Fee Information1

  • Checking accounts closed by the customer within 180 days of opening are subject to a $50 account early closing fee except for the eStyle Account, which has no closing fee. Some checking accounts accrue interest based on balance. Lifestyle Checking currently pays on tiered rates, subject to change at any time. Please visit fnb-online.com or your local branch for current rates. Fees could reduce the earnings on the account. See the Consumer Fee Schedule, which is available at any FNB branch, for further information on fees applicable to this account.

Additional Terms1

  • You must keep both your FirstRate Savings Account and associated qualifying consumer checking account open and in good standing throughout the Promotion Period. Accounts that are closed, restricted, charged off, or otherwise not in good standing may become ineligible for the Promotional APY.
  • If we determine, in our sole discretion, that you have violated the First National Bank, National Association Deposit Account Agreement or engaged in abuse, misuse, fraud, or gaming related to this offer, we reserve the right to revoke eligibility for the Promotional APY and remove or rescind any promotional benefits.
Notices & Disclosures

1 - FirstRate Savings Promotional Offer Disclosure: View Disclosure

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