Bank · FDIC insured
FNB Bank Savings Rates
FNB Bank’s best savings rate is 3.42% APY, with its High Yield Money Market, with extra requirements. Rates checked October 22, 2026.
How FNB Bank’s savings rates compare
Compared with banks and credit unions in Kentucky, where FNB Bank has the most branches. $10,000, best rate first.
This bank’s best
FNB Bank
3.42%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $342
High Yield Money Market
Top rate
LG&E Co. Credit Union
5.12%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $512
2nd-highest rate
General Electric Credit Union
4.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $425
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
High Yield Money Market
3.42%APY
Must have/establish and maintain an FNB Checking account with a minimum ledger balance of $1,000 to be eligible to open HYMM. If associated checking account closes, becomes inactive for 12 months, or balance falls below minimum, HYMM rate will be changed to lowest tier rate. Minimum opening deposit is $10,000. Available to consumers only (not available to businesses). Interest compounded and credited monthly; accrued interest not paid if account closes before interest is credited.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Under $10,000 tier. Also applies if associated checking account closes, becomes inactive for 12 months, or balance falls below $1,000. | 1.50% | — | Under $10,000 tier. Also applies if associated checking account closes, becomes inactive for 12 months, or balance falls below $1,000. |
| $10,000 – $49,999Tier $10,000 to $49,999. | 3.42% | $342 | Tier $10,000 to $49,999. |
| $50,000 – $99,999Tier $50,000 to $99,999. | 3.42% | — | Tier $50,000 to $99,999. |
| $100,000 – $249,999Tier $100,000 to $249,999. | 3.66% | — | Tier $100,000 to $249,999. |
| $250,000 and upTier $250,000 and above. | 3.66% | — | Tier $250,000 and above. |
Sources (1)
- growwithfnb.com/high-yield-money-market · captured Sep 19, 2026
YourStart® Savings
3.00%APY
Must be bundled with YourStart Checking. $3 monthly fee applies if balance falls below $50. 4 free withdrawals per month ($2 per excess withdrawal). One YourStart Bundle allowed per primary account holder.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Premium APY applies to the first $15,000 in savings when paired with YourStart Checking. $3 monthly fee waived with minimum balance of $50. | 3.00% | $300 | Premium APY applies to the first $15,000 in savings when paired with YourStart Checking. $3 monthly fee waived with minimum balance of $50. |
| $15,000 and upStandard rate applies for balances over $15,000.00 when paired with YourStart Checking. $3 monthly fee waived with minimum balance of $50. | 0.25% | — | Standard rate applies for balances over $15,000.00 when paired with YourStart Checking. $3 monthly fee waived with minimum balance of $50. |
Sources (2)
All captured Oct 15, 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.