Bank · FDIC insured
FNB Bank CD Rates
FNB Bank’s best CD rate is 4.00% APY on a 3-year CD. Terms run from 1 year to 3 years. Rates checked October 22, 2026.
How FNB Bank’s CD rates compare
Compared with banks and credit unions near Winchester, VA-WV, where FNB Bank has the most branches. $10,000, best rate first.
This bank’s best
FNB Bank
4.00%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,249
Certificates of Deposits (CD's)
Top rate
Apple FCU
5.00%APY
- Term
- 70 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $3,292
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
FNB Bank CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 FNB Bank 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 Deposits (CD's)
Up to 4.00%APY · 3 terms
3 Month to 60 Month Term CD's Available. Substantial penalty on early withdrawal – Fees May Reduce Earnings. Call for all other terms/rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsQuarterly compounding. Substantial penalty on early withdrawal – Fees May Reduce Earnings | 3.70% | $370 |
| 24 monthsQuarterly compounding. Substantial penalty on early withdrawal – Fees May Reduce Earnings | 3.85% | $785 |
| 36 monthsQuarterly compounding. Substantial penalty on early withdrawal – Fees May Reduce Earnings | 4.00% | $1,249 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Individual Retirement Arrangements (IRA Accounts)
Up to 3.00%APY · 2 terms
Offers both fixed-rate and variable-rate IRAs. Substantial penalty on early withdrawal – Fees May Reduce Earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable-rate changes weekly. Monthly compounding. Substantial penalty on early withdrawal – Fees May Reduce Earnings | 1.25% | $188 |
| 48 monthsFixed rate. Monthly compounding. Substantial penalty on early withdrawal – Fees May Reduce Earnings | 3.00% | $1,255 |
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.