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Product FirstRate Savings* FirstRate Money Market** Health Savings*** Savers Goal CD†‡ Special CD‡ Certificates of Deposits‡ IRA Savings or CD‡
Type Savings Money Market Savings Certificate of Deposit Certificate of Deposit Certificate of Deposit Savings or Certificate of Deposit
Initial Deposit Required $50 when opening online, no minimum to open in-branch $50 when opening online, no minimum to open in-branch $50 when opening online, no minimum to open in-branch $100 when opening online or in-branch Varies by term; available in-branch only $500 when opening online or in-branch No minimum for Savings; Varies by term for CD
Minimum Balance to Avoid Fee $500 average daily balance; $5.00 monthly fee $5,000 average daily balance; $10.00 monthly fee None; An initial set up fee and annual fee apply No minimum balance fees No minimum balance fees No minimum balance fees No minimum balance fees
Interest Rate and Payment Terms Tiered variable rate, compounded quarterly Tiered variable rate, compounded monthly Tiered variable rate, compounded monthly 12-month term. Fixed rate, compounded quarterly Terms of 13 months to 10 years available. Fixed rates vary by term, compounded quarterly Terms of 3 months to 60 months available. Fixed rates vary by term, compounded quarterly Savings: tiered variable rate, compounded monthly;
CD: terms of 3 months to 60 months available. Fixed rates vary by term, compounded quarterly
Paper Statement Fee None None $3.95 per statement cycle; no fee for Online Statements Not Applicable Not Applicable Not Applicable Not Applicable
Additional Benefits
  • Online Banking
  • ATM Access
  • FDIC Insured
  • Tiered rate means you earn more on higher balances
  • Online Banking
  • ATM Access
  • FDIC Insured
  • Tiered rate means you earn more on higher balances
  • Check-writing
  • Online Banking
  • ATM Access
  • FDIC Insured
  • Tiered rate means you earn more on higher balances
  • Check-writing
  • Online Banking
  • FDIC Insured
  • Automatic Monthly transfers from checking or savings
  • Ability to perform additional transfers†
  • Online Banking
  • FDIC Insured
  • Online Banking
  • FDIC Insured
  • Online Banking
  • FDIC Insured
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Savings Chart Additions:

*No more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month including transfers to another account of the depositor at the same institution or to a third party by means of preauthorized, telephone or automatic transfer, or by check, draft, debit card. A Reg D transfer fee of $15.00 will be assessed for each transaction in excess of the prescribed limits. You can make unlimited deposits and withdrawals at a branch or ATM. Failure to follow the transfer limitations may result in converting your interest bearing account to a non-interest bearing product type.

**No more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, per statement cycle including transfers to another account of the depositor at the same institution or to a third party by means of preauthorized, telephone or automatic transfer, or by check, draft, debit card. A Reg D transfer fee of $15.00 will be assessed for each transaction in excess of the prescribed limits. You can make unlimited deposits and withdrawals at a branch or ATM. Failure to follow the transfer limitations may result in converting your interest bearing account to a non-interest bearing product type.

***No initial set-up fee and annual fee, if an existing FNB personal checking account holder.

† A minimum monthly transfer of $25.00 from an FNB checking or savings account must be made to maintain the Certificate.

‡Early withdrawal penalties may apply.