Bank · FDIC insured
First National Bank of McConnelsville CD Rates
First National Bank of McConnelsville’s best CD rate is 3.04% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First National Bank of McConnelsville’s CD rates compare
Compared with banks and credit unions near Athens, OH, where First National Bank of McConnelsville has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of McConnelsville
3.04%APY
- Term
- 6 months
- Minimum
- $2,500
- Earns on $10,000
- $151
182 Day Certificate of Deposit
Top rate
Atomic Credit Union
4.45%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $910
2nd-highest rate
Unified Bank
4.31%APY
- Term
- 25 months
- Minimum
- $1,000
- Earns on $10,000
- $919
First National Bank of McConnelsville CD score
69
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo3.04%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.04%
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 of McConnelsville 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.
12 Month Certificate of Deposit
3.04%APY · 1 term
Early Withdrawal Penalty: 6 months (182 days) loss of interest. Automatically Renewable.
| Term | APY · $500 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $1,000,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 3.04% | 3.04% | 3.04% | 3.04%3.04% $50k–$100k3.04% $100k–$1,000,000k | $304 |
18 Month Certificate of Deposit
3.04%APY · 1 term
Early Withdrawal Penalty: 6 months (182 days) loss of interest. Automatically Renewable.
| Term | APY · $500 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $1,000,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 18 months | 3.04% | 3.04% | 3.04% | 3.04%3.04% $50k–$100k3.04% $100k–$1,000,000k | $459 |
182 Day Certificate of Deposit
3.04%APY · 1 term
Early Withdrawal Penalty: 3 months (91 days) loss of interest. Automatically Renewable.
| Term | APY · $2,500 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $1,000,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.04% | 3.04% | 3.04% | 3.04%3.04% $50k–$100k3.04% $100k–$1,000,000k | $151 |
23 Month CD
3.04%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 23 months | 3.04% | $591 |
Sources (1)
- first-national.com/rates · captured Oct 6, 2026
Bump Up 30 Month Certificate of Deposit
3.04%APY · 1 term
You may bump the interest rate one (1) time to the current interest rate in effect for the same term as the original certificate. Early Withdrawal Penalty 6 months (182 days) loss of interest. Automatically Renewable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 months | 3.04% | $777 |
Bump Up 36 Month First Advantage CD
3.04%APY · 1 term
You may bump the interest rate one (1) time to the current interest rate in effect for the same term as the original certificate. Early Withdrawal Penalty 6 months (182 days) loss of interest. Automatically Renewable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 3.04% | $940 |
Bump Up 48 Month First Advantage CD
3.04%APY · 1 term
You may bump the interest rate one (1) time to the current interest rate in effect for the same term as the original certificate. Early Withdrawal Penalty 6 months (182 days) loss of interest. Automatically Renewable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 months | 3.04% | $1,273 |
Bump Up 60 Month First Advantage
3.04%APY · 1 term
You may bump the interest rate one (1) time to the current interest rate in effect for the same term as the original certificate. Early Withdrawal Penalty 6 months (182 days) loss of interest. Automatically Renewable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months | 3.04% | $1,615 |
91 Day Certificate of Deposit
2.84%APY · 1 term
Early Withdrawal Penalty: 1 month (30 days) loss of interest. Automatically Renewable.
| Term | APY · $2,500 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $1,000,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 2.84% | 2.84% | 2.84% | 2.84%2.84% $50k–$100k2.84% $100k–$1,000,000k | $70 |
Special-purpose accounts
IRA Certificates of Deposit (CD)
3.05%APY · 7 terms
Available for Roth and Traditional IRAs; early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty is 91 days' loss of interest; automatically renewable | 3.05% | $151 |
| 12 monthsEarly withdrawal penalty is 6 months (182 days) loss of interest; automatically renewable | 3.05% | $305 |
| 18 monthsEarly withdrawal penalty is 6 months (182 days) loss of interest; automatically renewable | 3.05% | $461 |
| 24 monthsEarly withdrawal penalty is 6 months (182 days) loss of interest; automatically renewable | 3.05% | $619 |
| 36 monthsEarly withdrawal penalty is 6 months (182 days) loss of interest; automatically renewable | 3.05% | $943 |
| 48 monthsEarly withdrawal penalty is 6 months (182 days) loss of interest; automatically renewable | 3.05% | $1,277 |
| 60 monthsEarly withdrawal penalty is 6 months (182 days) loss of interest; automatically renewable | 3.05% | $1,621 |
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.