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FirstRate Savings

Preparing for the future takes earning power. Save more with a FirstRate Savings Account.

The more you save, the more you earn. FirstRate Savings offers a tiered interest rate and immediate access to your funds. Whether you're saving for a future purchase or simply wish to have money set aside for unanticipated expenses, go FirstRate. It's an ideal solution. Simple and easy!

To Apply Now or Schedule an Appointment:

    • No monthly fee icon

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

    • Graph with Arrow pointing upwards

      Tiered interest rate; earn more on higher balances

    • Pie Chart

      Interest compounds quarterly

  • FirstRate Savings is a great way to save for the future:

    • With a tiered interest rate, earn more interest with higher balances
    • Interest is compounded quarterly.
    • Avoid the $5 monthly service charge with a $500 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 (quarterly or monthly based upon activity)
    • Free Visa® debit card with free Apple Pay™, Samsung Pay™ or Google 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

    $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 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.

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.

Browse all

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

Compare all

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

Help me decide

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

Help me decide

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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 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. 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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