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IRA Certificates of Deposit

You want to maximize a way to save for your future. 

If you're looking to maximize your retirement savings, you may want to supplement your other long-term savings accounts or 401(k) with an IRA CD from FNB.  With terms starting at three months, you can earn a higher fixed rate of interest and save more for your retirement.

To Schedule an Appointment:

    • Calendar

      Terms available from 3-60 months

    • Taxes

      Tax-deferred savings1

    • Lock

      Competitive fixed interest rates

    • Dollar Sign Crossed Out in Circle

      No service charge

  • An IRA certificate of deposit from FNB is a safe, conservative way to save for retirement:

    With terms of 3 months up to 60 months, an FNB IRA CD can be an attractive and safe way to save for retirement.

    Key Account Details:

    • Terms available for 3 to 60 months; you select your term when opening the account.
    • Earn a fixed interest rate for the term of your CD.
    • Contributions to your IRA savings account are tax-deferred, meaning you don't pay taxes on these funds until you make a withdrawal.1
    • Interest is compounded and paid quarterly.
    • Interest can be credited back to your certificate of deposit, paid to you by check, or credited to another FNB account.
    • $500 minimum deposit required

    Important Considerations1

    • IRS regulations impose a 10% early withdrawal premature penalty for withdrawals made when under 59 1/2 years of age.
    • If you are under the age of 50, you may contribute up to $5,500 for the current year. If you are over the age of 50, or are turning 50 during the calendar year, you can add a "catch-up" amount of $1,000 for a total of $6,500. Any previous year contributions can still be made up to the end of the business day on April 15th.
    • You may receive normal distributions as early as age 59 1/2, but must begin distributions by age 72.

    Convenient Online Access:

    • Fast and free Online Banking, Mobile Banking and Telephone Banking2
    Interest Rates Please enter a Zip Code to view rates in your area.

  • Your Initial Deposits

    You'll need a $500 initial deposit to complete the in-branch application.

    Required Identification

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

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 - FNB does not provide tax advise. Consult your tax advisor for more information on how these IRS regulations impact you
2 - 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.

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