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FirstRate Money Market

The more you save, the more you earn. A FirstRate Money Market Account makes saving simple and easy.

You want an account where your money can grow, but you also need to write the occasional check. No problem! With a FirstRate Money Market Account, your interest rate grows with your balance. Take advantage of the tiered interest rate structure to move up to a higher rate with a higher balance, with interest compounded monthly. Simple and easy!

To Apply Now or Schedule an Appointment:

Better Rate. Better Hurry.

Offer available through December 31, 2023.
5% APY promo rate available until January 15, 2024.

Apply today. *View Disclosures.

    • Graph with Arrow pointing upwards

      Interest rates increase with higher balances

    • No monthly fee icon

      No monthly service charge with an average daily balance of $5,000

    • Check being written

      Write checks from your account2

  • Preparing for the future takes earning power. And that's what you get with a FirstRate Money Market Account. You will earn higher interest the more you save:

    • Couples the higher rate of a savings account with the flexibility to write checks2
    • With a tiered interest rate, earn more interest with higher balances
    • Offers a variable interest rate; interest is compounded and paid monthly
    • Avoid the $10 monthly service charge with a $5,000 average daily balance
    • No minimum opening balance to open at an FNB branch
    • $50 minimum opening deposit to open account online

    Convenient Online Access:

    • Free paper and online statements
    • Free Visa® debit card with free Apple Pay™, Samsung Pay™ or Android Pay™2
    • Convenient and free deposits at FNB branches, ATMs or through Mobile Banking1
    • Fast and free Online Banking, Mobile Banking and Telephone Banking1,2
    Interest Rates Please enter a Zip Code to view rates in your area.

  • Your Initial Deposit

    You’ll need a $50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)

    Required Identification

    • A non-expired ID (driver’s license, state-issued ID, Military ID, passport, or Permanent Resident Card and visa)

    Optional Items:

    • If you would like to order checks, you may do so during the application process.
    • If you request a debit card when you open your account, it will be mailed to you within 5-7 business days. If you need your card sooner, you can pick one up immediately at your local FNB branch.

  • FirstRate Money Market Promo 5% APY

    1. Offer 1

      Money Market Promo

      Better Rate. Better Hurry.

      The First National Bank (FNB) FirstRate Money Market account promotion offer is available from August 21, 2023, through December 31, 2023. To be eligible for the promotional Annual Percentage Yield (APY) of 5.00%, you must meet the following conditions: (1) open a NEW or have an EXISTING qualifying FNB FirstRate Money Market account; AND (2) have an existing FNB personal checking account OR open a NEW FNB personal checking account and maintain a monthly average balance of $500.00 or more. A minimum deposit of $50,000.00 in new money must be deposited to the NEW or Existing FirstRate Money Market account to receive the promotional interest rate. New money is defined as funds that are not currently held in accounts, investments, or other products at FNB. If you are depositing into an EXISTING Money Market account, the promotional code must be added to your account to get the promotional rate. Contact your branch for more information. The tiered interest rate and APY is based upon the daily collected balance in the account. Promotional rates do not apply on balances below $50,000.00. If your daily collected balance drops below $50,000.00 in your FirstRate Money Market account or if your monthly collected balance drops below $500.00 in your personal checking account, you will not receive the promotional APY of 5.00% on your FirstRate Money Market account. The current interest rate for any daily collected balance below $10,000.00 is 0.25% APY, and below $50,000.00 is 0.50% APY. Interest rates are variable and are based on a tiered interest rate structure. Rates are subject to change at any time. The promotional interest rate is limited to one account per household and is available on balances of $50,000 and up to $500,000. The FirstRate Money Market account is available to open August 21, 2023, through December 31, 2023, with the promotional rate of 5.00% APY available until January 15, 2024. After the promotional rate period ends on January 15, 2024, the variable interest rate and APY for this product will change to the tiered rate, effective January 16, 2024, or at the bank’s discretion. Fees could reduce 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. The promotional interest rate is not available for institutions or public funds. FNB reserves the right to remove the promotional rate if you fail to satisfy the conditions or limitations for eligibility, or if FNB determines in good faith that your account or transaction activity violates the spirit or intent of the promotion. Offer is subject to modification or withdrawal at any time.

      PROMO CODE: MMA2308

      View all rates.

With any account, you also get the latest in digital technology:

Compare all of our accounts. This comparison chart makes it easy to compare all of our savings options.

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Compare all of our accounts. This comparison chart makes it easy to compare all of our savings options.

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Still not sure? Answer a few quick questions to help you find the right account.

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Notices & Disclosures
1 - Online Banking, Bill Pay, Mobile Banking and Telephone Banking are free to customers with an eligible account; however, there may be a fee for certain optional services. Mobile data and carrier fees may apply.
2 - 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. Excess 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.

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