Bank · FDIC insured
First National Bank in Olney CD Rates
First National Bank in Olney’s best CD rate is 4.59% APY on a 23-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First National Bank in Olney’s CD rates compare
Compared with banks and credit unions in Illinois, where First National Bank in Olney has the most branches. $10,000, best rate first.
This bank’s best
First National Bank in Olney
4.59%APY
- Term
- 23 months
- Minimum
- $500
- Earns on $10,000
- $898
Certificates of Deposit
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
First National Bank in Olney CD score
90
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo4.59%
- 31–60 months31–60 mo3.87%
- QualifiedQualified4.59%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First National Bank in Olney ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.59%APY · 10 terms
Automatically renewable at maturity unless otherwise stated. Penalties for early withdrawal will be 1 month, 3 months, 6 months, or 12 months interest on the amount withdrawn depending on the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounding frequency: Monthly | 3.30% | $81 |
| 6 monthsCompounding frequency: Monthly | 3.56% | $176 |
| 12 monthsCompounding frequency: Monthly | 3.82% | $382 |
| 18 monthsCompounding frequency: Monthly | 3.82% | $578 |
| 23 monthsCompounding frequency: Monthly | 4.59% | $898 |
| 24 monthsCompounding frequency: Monthly | 3.82% | $779 |
| 30 monthsCompounding frequency: Monthly | 3.82% | $983 |
| 36 monthsCompounding frequency: Monthly | 3.82% | $1,190 |
| 48 monthsCompounding frequency: Monthly | 3.87% | $1,640 |
| 60 monthsCompounding frequency: Monthly | 3.87% | $2,091 |
Rainbow CD
3.75%APY · 1 term
Requires minimum monthly deposit of $25 automatically transferred from an existing FNB Olney account per customer request. Fixed rate, automatically renewable. Compounded at maturity / annually. Early withdrawal penalty: 6 months interest plus $25 calculation fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounding frequency: Annually / at maturity. Requires $25 minimum monthly deposit via automatic transfer from an existing FNB Olney account | 3.75% | $375 |
Special-purpose accounts
Individual Retirement Account (IRA CD)
3.80%APY · 2 terms
Must have earned income. Traditional and Roth IRA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 Month Variable IRA. Rate may change at any time on variable rate accounts. Compounding frequency: Quarterly | 3.80% | $575 |
| 30 months30 Month Fixed IRA. Compounding frequency: Quarterly | 3.80% | $977 |
Sources (3)
All captured Oct 6, 2026
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.