Bank · FDIC insured
First National Bank of Pandora CD Rates
First National Bank of Pandora’s best CD rate is 3.61% APY on a 7-month CD, with extra requirements. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First National Bank of Pandora’s CD rates compare
Compared with banks and credit unions near Lima, OH, where First National Bank of Pandora has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Pandora
3.61%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $209
Certificates of Deposit (CDs)
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Superior Credit Union
4.20%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,284
First National Bank of Pandora CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo1.11%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo3.14%
- QualifiedQualified3.61%
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 Pandora 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 (CDs)
Up to 3.61%APY · 12 terms
Fixed rates for guaranteed returns. Interest compounded and paid monthly. Convenient automatic renewal available. Early withdrawal penalty may be imposed. No setup or annual fees.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsRelationship Bump-up rate. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00 | — | 0.65% | — | 0.65% | $16 |
| 3 monthsStandard rate for 90-Day CD | 0.50% | — | — | 0.50% | $12 |
| 6 monthsRelationship Bump-up rate. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00 | — | 0.90% | — | 0.90% | $45 |
| 6 monthsStandard rate for 6-Month CD | 0.75% | — | — | 0.75% | $37 |
| 7 monthsRelationship Bump-up rate. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00 (opening minimum for special is $5,000.00) | — | — | 3.61% | 3.61% | $209 |
| 7 monthsStandard rate for 7-Month Special CD | — | — | 3.45% | 3.45% | $200 |
| 12 monthsRelationship Bump-up rate. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00 | — | 1.26% | — | 1.26% | $126 |
| 12 monthsStandard rate for 12-Month CD | 1.11% | — | — | 1.11% | $111 |
| 18 monthsRelationship Bump-up rate. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00 | — | 1.36% | — | 1.36% | $205 |
| 18 monthsStandard rate for 18-Month CD | 1.21% | — | — | 1.21% | $182 |
| 24 monthsRelationship Bump-up rate. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00 | — | 1.46% | — | 1.46% | $294 |
| 24 monthsStandard rate for 24-Month CD | 1.31% | — | — | 1.31% | $264 |
| 25 monthsRelationship Bump-up rate. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00 (opening minimum for special is $5,000.00) | — | — | 3.61% | 3.61% | $767 |
| 25 monthsStandard rate for 25-Month Special CD | — | — | 3.45% | 3.45% | $732 |
| 30 monthsRelationship Bump-up rate. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00 | — | 1.56% | — | 1.56% | $395 |
| 30 monthsStandard rate for 30-Month CD | 1.41% | — | — | 1.41% | $356 |
| 31 monthsRelationship Bump-up rate. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00 (opening minimum for special is $5,000.00) | — | — | 3.30% | 3.30% | $875 |
| 31 monthsStandard rate for 31-Month Special CD | — | — | 3.14% | 3.14% | $831 |
| 36 monthsRelationship Bump-up rate. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00 | — | 1.66% | — | 1.66% | $506 |
| 36 monthsStandard rate for 36-Month CD | 1.51% | — | — | 1.51% | $460 |
| 48 monthsRelationship Bump-up rate. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00 | — | 1.92% | — | 1.92% | $790 |
| 48 monthsStandard rate for 48-Month CD | 1.76% | — | — | 1.76% | $723 |
| 60 monthsRelationship Bump-up rate. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00 | — | 2.43% | — | 2.43% | $1,276 |
| 60 monthsStandard rate for 60-Month CD | 2.27% | — | — | 2.27% | $1,188 |
Sources (1)
- e-fnb.com/personal/bank/cds-iras · captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
2.78%APY · 1 term
Traditional and Roth IRAs available. Interest compounded and paid monthly. Fixed-rate IRAs are tied to CD terms and rates. No setup or annual fees. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate adjusts every 6 months. Retirement age customers (59 1/2 or older) may withdraw a portion without penalty. Rate subject to change after opening | 2.78% | $420 |
Sources (1)
- e-fnb.com/personal/bank/cds-iras · 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.