Bank · FDIC insured
1st National Bank CD Rates
1st National Bank’s best CD rate is 3.40% APY on a 1-year CD, with extra requirements. Terms run from 6 months to 1 year. Rates checked October 16, 2026.
How 1st National Bank’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where 1st National Bank has the most branches. $10,000, best rate first.
This bank’s best
1st National Bank
3.40%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $340
Certificate of Deposit
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $488
2nd-highest rate
Community Savings Bank
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $1,412
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.40%APY · 2 terms
With Relationship Pricing: relationships must have an average balance of at least 1% of CD or a lending product. Penalty for early withdrawal from CDs. Interest is compounded daily. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsWith Relationship Pricing: relationships must have an average balance of at least 1% of CD or a lending product | 3.35% | $166 |
| 6 monthsWithout Relationship Pricing | 2.85% | $141 |
| 12 monthsWith Relationship Pricing: relationships must have an average balance of at least 1% of CD or a lending product | 3.40% | $340 |
| 12 monthsWithout Relationship Pricing | 2.90% | $290 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.