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    • Dollar Sign Crossed Out in Circle

      No minimum balance to open

    • Taxes

      Tax-deferred savings1

    • Graph with Arrow pointing upwards

      Competitive tiered interest rate

    • Umbrella

      Retirement account

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

    With FDIC insurance and an interest rate that grows with your balance, an FNB IRA Savings Account can be an attractive and safe way to save for retirement.

    Key Account Details:

    • With a tiered interest rate, earn more interest with higher balances.
    • 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 monthly.
    • No monthly service charge 
    • No minimum opening balance to open at an FNB branch

    Important Considerations1

    • IRS regulations impose a 10% early withdrawal premature penalty for withdrawals made when under 59 1/2 year 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 70 1/2.

    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™3
    • Convenient and free deposits at FNB branches, ATMs or through Mobile Banking2
    • Fast and free Online Banking, Mobile Banking and Telephone Banking2,3
    Interest Rates for Zip Code 20149

    We are sorry, we do not service your Zip Code. Please enter another to see rates.

  • Your Initial Deposit

    There is no minimum opening balance required to open this account.

    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.
3 - 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.

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