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FirstRate Savings Account

An Exclusive Reward for FNB Customers: 3.00% APY and Up to $4,000 in Cash Bonus*

The More You Save, the More You Earn.

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 plus an additional cash bonus while keeping easy access to your money.

Offer Details
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Earn a promotional 3.00% APY, plus cash bonuses based on your qualifying deposit balance. Depending on your balance, the combined value of interest and bonus could earn you the equivalent of up to 4.60% annually.

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, Workplace First Checking and Employee 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.

More New Money, More Savings

More New Money, More Rewards

The more new-to-bank funds you deposit, the larger your promotional payout. These bonus amounts can provide an effective yield ranging from 4.00% to 4.60%, depending on the amount of new funds deposited.

Deposit Amount Promo Payout
$5,000 - $9,999 Up to $50
$10,000 - $24,999 Up to $125
$25,000 - $49,999 Up to $325
$50,000 - $99,999 Up to $750
$100,000 - $249,999 Up to $1,500
$250,000 - $499,999 Up to $4,000

* Subject to conditions and exclusions. See full details below.

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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.

Learn More

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 and Cash Bonus Offer Details

Eligibility1

To qualify for this offer, you must:

  • Open a new FirstRate Savings Account during the enrollment period of September 3, 2026 through October 31, 2026.
  • Reference promo code HYSQ326 if you open your account in a 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 in net-new funds.
  • Maintain a qualifying consumer checking account with direct deposit.

The Promotional Annual Percentage Yield ("Promotional APY") of 3.00% will be automatically applied to eligible accounts and will remain in effect for a minimum of 180 days following account opening (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 in net-new funds is required. To receive the promotional offer, a minimum balance of $5,000 from the initial opening deposit must remain on deposit throughout the promotional qualification 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 September 3, 2026, through October 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 $1,000,000 (i.e., exceeds the maximum eligible balance by $500,000 or more), 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 Account
  • Freestyle Checking
  • Lifestyle Checking
  • Premierstyle Checking
  • Student Checking
  • Workplace First Checking
  • Employee 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.

Eligibility1

To qualify for this offer, you must:

  • Open a new FirstRate Savings Account during the enrollment period of September 3, 2026, through October 31, 2026.
  • Reference promo code HYSQ326 if you open your account in a 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 in net-new funds.
  • Maintain a qualifying consumer checking account with direct deposit.
  • Meet all applicable net-new funding and balance maintenance requirements.

This offer:

  • Applies only to new FirstRate Savings Accounts.
  • Is not available for Checking Accounts, Money Market Accounts or Certificates of Deposit (CDs).
  • Is limited to one FirstRate Savings Cash Bonus offer per customer.
  • May be modified or discontinued at any time without notice.
  • May be subject to additional restrictions.

Offer Requirements1

Account Opening

  • A minimum opening deposit of $5,000 in net-new funds is required.
  • Accounts not funded within 30 days of opening will be closed.

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 September 3, 2026, through October 31, 2026.
  • We reserve the right to modify, suspend or terminate this offer at any time without notice.

Deposit New-New Funds

  • To qualify for a Cash Bonus, you must deposit at least $5,000 in net-new funds into your FirstRate Savings Account by the end of the enrollment period. At the close of the enrollment period, all eligible net-new funds deposited into the account will be aggregated to determine the applicable Cash Bonus payout tier.

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.


Maintain Required Balance

  • Beginning on the 31st day after account opening, your average daily balance will be measured.
  • Average daily balance requirements will be evaluated in successive three-month periods.
  • You must maintain the applicable balance requirement to receive each quarterly Cash Bonus payment.

Quarterly Bonus Payment

  • Eligible Cash Bonus payments will be deposited into your FirstRate Savings Account within 45 days following the end of each qualifying quarter.
  • Bonus payments will be credited to the account receiving the qualifying deposits.
Net-New Funds Deposited Total Promotional Payment Quarterly Payout
$5,000 - $9,999 $50 $12.50
$10,000 - $24,999 $125 $31.25
$25,000 - $49,999 $325 $81.25
$50,000 - $99,999 $750 $187.50
$100,000 - $249,999 $1,500 $375.00
$250,000 - $499,999 $4,000 $1,000

Maximum Elgible Balance

  • Promotional benefits are limited to balances up to $500,000.
  • If the account balance exceeds $500,000 (i.e., exceeds the maximum eligible balance by $500,000 or more), the account will earn the Standard APY instead of any promotional APY that may otherwise apply.

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 Account
  • Freestyle Checking
  • Lifestyle Checking
  • Premierstyle Checking
  • Student Checking
  • Workplace First Checking
  • Employee Checking

Tax Information1

  • Cash Bonus payments are considered interest income for U.S. federal tax purposes and will be reported on IRS Form 1099-INT. Bonus payments may be subject to 24% backup withholding if your account is not properly documented with a valid IRS Form W-9. You are responsible for any taxes resulting from receipt of a Cash Bonus. First National Bank and its affiliates do not provide tax advice. Please consult your tax advisor regarding your personal tax situation.

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 to receive any Cash Bonus payment. If either account is closed, restricted, charged off or otherwise not in good standing before a bonus is paid, you may forfeit eligibility for that payment.
  • 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 may revoke eligibility and rescind or withhold any Cash Bonus payment. We reserve the right to modify, suspend or terminate this offer at any time without notice.
Notices & Disclosures

1 - FirstRate Savings Promotional Offer Disclosure: View Disclosure

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