Rates

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Deposit Rates

First National Bank makes every attempt to keep interest rates current, however this page is subject to change without notice. To verify our deposit rates, please speak with a branch representative. To find a branch nearest to you, please visit our branch locator. Current interest rates are also available by contacting the First National Bank Customer Care Center at 800-555-5455 (available Monday through Friday, 8:00 am to 8:00 pm; and Saturdays 8:00 am to 5:00 pm).

APY = Annual Percentage Yield

Premierstyle Checking (1)
Product Minimum Balance to earn APY APY Effective as of: October 1, 2018
Tier 1 $0 - $999.99 0.00%
Tier 2 $1,000.00 - $9,999.99 0.01%
Tier 3 $10,000.00 - $14,999.99 0.02%
Tier 4 $15,000.00 - $24,999.99 0.02%
Tier 5 $25,000.00 - $99,999.99 0.05%
Tier 6 $100,000.00 + 0.08%
Lifestyle Checking(1)
Product Minimum Balance to earn APY APY Effective as of: October 1, 2018
Tier 1 $0 - $2,499.99 0.00%
Tier 2 $2,500.00 - $9,999.99 0.01%
Tier 3 $10,000.00 - $14,999.99 0.01%
Tier 4 $15,000.00 - $24,999.99 0.01%
Tier 5 $25,000.00 - $99,999.99 0.01%
Tier 6 $100,000.00+ 0.01%
FirstRate Savings (1)
Product Minimum Balance to earn APY APY Effective as of: October 1, 2018
Tier 1 $0 - $999.99 0.01%
Tier 2 $1,000.00 - $2,499.99 0.01%
Tier 3 $2,500.00 - $9,999.99 0.01%
Tier 4 $10,000.00 - $24,999.99 0.01%
Tier 5 $25,000.00 - $49,999.99 0.01%
Tier 6 $50,000.00 0.05%
FirstRate Money Market (1)
Product Minimum Balance to earn APY APY Effective as of: October 1, 2018
Tier 1 $0 -$9,999.99 0.04%
Tier 2 $10,000.00 - $24,999.99 0.04%
Tier 3 $25,000.00 - $49,999.99 0.05%
Tier 4 $50,000.00 - $99,999.99 0.08%
Tier 5 $100,000.00 - $999,999.99 0.08%
Tier 6 $1,000,000.00+ 0.20%
Health Savings Account (1)
Product Minimum Balance to earn APY APY Effective as of: October 1, 2018
Tier 1 $0 - $1,000.00 0.05%
Tier 2 $1,000.01+ 0.10%
CDs & IRAs (6)
Product Minimum Balance to earn APY APY Effective as of: October 1, 2018
3 Month $500 0.20%
6 Month $500 0.25%
9 Month Flex CD(2)(3)(7) $500 0.45%
12 Month Savers Goal CD(2) $100 0.25%
12 Month $500 0.55%
18 Month $500 0.45%
24 Month $500 0.50%
36 Month $500 1.00%
48 Month $500 1.30%
60 Month $500 1.30%
CDs & Special Offers(4)(5)(6)
Product Minimum Balance to earn APY APY Effective as of: November 26, 2018
13 Month $5,000 2.40%
19 Month $5,000 2.80%
25 Month $5,000 2.85%
35 Month $5,000 3.00%
52 Month $5,000 3.00%
61 Month $5,000 3.00%
Premierstyle Checking (1)
Product Minimum Balance to earn APY APY Effective as of: October 1, 2018
Tier 1 $0 - $999.99 0.00%
Tier 2 $1,000.00 - $9,999.99 0.01%
Tier 3 $10,000.00 - $14,999.99 0.02%
Tier 4 $15,000.00 - $24,999.99 0.02%
Tier 5 $25,000.00 - $99,999.99 0.05%
Tier 6 $100,000.00 + 0.08%
Lifestyle Checking(1)
Product Minimum Balance to earn APY APY Effective as of: October 1, 2018
Tier 1 $0 - $2,499.99 0.00%
Tier 2 $2,500.00 - $9,999.99 0.01%
Tier 3 $10,000.00 - $14,999.99 0.01%
Tier 4 $15,000.00 - $24,999.99 0.01%
Tier 5 $25,000.00 - $99,999.99 0.01%
Tier 6 $100,000.00+ 0.01%
FirstRate Savings (1)
Product Minimum Balance to earn APY APY Effective as of: October 1, 2018
Tier 1 $0 - $999.99 0.01%
Tier 2 $1,000.00 - $2,499.99 0.01%
Tier 3 $2,500.00 - $9,999.99 0.01%
Tier 4 $10,000.00 - $24,999.99 0.01%
Tier 5 $25,000.00 - $49,999.99 0.01%
Tier 6 $50,000.00 0.05%
FirstRate Money Market (1)
Product Minimum Balance to earn APY APY Effective as of: October 1, 2018
Tier 1 $0 -$9,999.99 0.04%
Tier 2 $10,000.00 - $24,999.99 0.04%
Tier 3 $25,000.00 - $49,999.99 0.05%
Tier 4 $50,000.00 - $99,999.99 0.08%
Tier 5 $100,000.00 - $999,999.99 0.08%
Tier 6 $1,000,000.00+ 0.20%
Health Savings Account (1)
Product Minimum Balance to earn APY APY Effective as of: October 1, 2018
Tier 1 $0 - $1,000.00 0.05%
Tier 2 $1,000.01+ 0.10%
CDs & IRAs (6)
Product Minimum Balance to earn APY APY Effective as of: October 1, 2018
3 Month $500 0.20%
6 Month $500 0.25%
9 Month Flex CD(2)(3)(7) $500 0.45%
12 Month Savers Goal CD(2) $100 0.25%
12 Month $500 0.55%
18 Month $500 0.45%
24 Month $500 0.50%
36 Month $500 1.00%
48 Month $500 1.30%
60 Month $500 1.30%
CDs & Special Offers(4)(5)(6)
Product Minimum Balance to earn APY APY Effective as of: November 26, 2018
13 Month $5,000 2.40%
19 Month $5,000 2.80%
25 Month $5,000 2.85%
35 Month $5,000 3.00%
52 Month $5,000 3.00%
61 Month $5,000 3.00%
  1. Rates subject to change after account is opened.  Fees may reduce earnings.
  2. Not available as a fixed rate IRA.
  3. Personal accounts only.
  4. New money may be required for minimums. Available for personal or business only
  5. Not available for Public Funds.  Not available for rollovers or transfers from other First National Bank deposit accounts. Must have an existing First National Bank consumer or business checking account Or open a NEW First National Bank consumer or business checking account.
  6. Early withdrawal penalty will be imposed, if applicable. 
  7. $500 minimum required to earn interest.