Bank · FDIC insured
FNB Bank Savings Rates
FNB Bank’s best savings rate is 0.25% APY on $10,000, with its Statement Savings. Rates checked October 22, 2026.
How FNB Bank’s savings 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
1.15%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $115
FNB Platinum Savings
Top rate
Apple FCU
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
2nd-highest rate
F&M Bank
2.55%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $255
FNB Bank savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.40%
- QualifiedQualified1.15%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
FNB Platinum Savings
Up to 1.15%APY
Requires linked FNB Kickback Checking or FNB Platinum Checking account. Limit of 1 account per Social Security Number. Free eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Qualifications met: at least 12 debit card purchases post and settle per statement cycle, enrolled in and agreed to receive eStatements, enrolled in and log into online banking, and maintain a valid email address on record. | 1.15% | $115 | Qualifications met: at least 12 debit card purchases post and settle per statement cycle, enrolled in and agreed to receive eStatements, enrolled in and log into online banking, and maintain a valid email address on record. |
| Any balanceBase rate if qualifications are not met. Entire daily balance earns interest rate of 0.0499%. | 0.05% | $5 | Base rate if qualifications are not met. Entire daily balance earns interest rate of 0.0499%. |
Sources (2)
All captured Oct 15, 2026
Statement Savings
0.25%APY
No monthly service charge if you maintain a minimum balance of $50. Compounding frequency: Quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Compounding frequency: Quarterly. | 0.20% | — | Compounding frequency: Quarterly. |
| $10,000 – $50,000Compounding frequency: Quarterly. | 0.25% | $25 | Compounding frequency: Quarterly. |
| $50,000 – $100,000Compounding frequency: Quarterly. | 0.30% | — | Compounding frequency: Quarterly. |
| $100,000 – $250,000Compounding frequency: Quarterly. | 0.40% | — | Compounding frequency: Quarterly. |
| $250,000 and upCompounding frequency: Quarterly. Balance over $250,000. | 0.80% | — | Compounding frequency: Quarterly. Balance over $250,000. |
Special-purpose accounts
48 MONTH IRA (Fixed)
3.00%APY · 1 term
Substantial penalty on early withdrawal. Compounding frequency: Monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsFixed rate. Substantial penalty on early withdrawal. Compounding frequency: Monthly | 3.00% | $1,255 |
Sources (3)
- fnbtoday.com/deposit-products
- fnbtoday.com/deposit-products/ira-rate-disclosure
- fnbtoday.com/deposit-rates
All captured Oct 15, 2026
18 MONTH IRA (Variable)
1.25%APY · 1 term
Substantial penalty on early withdrawal. Variable-rate changes weekly. Compounding frequency: Monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate changes weekly. Substantial penalty on early withdrawal. Compounding frequency: Monthly | 1.25% | $188 |
Sources (3)
- fnbtoday.com/deposit-products
- fnbtoday.com/deposit-products/ira-rate-disclosure
- fnbtoday.com/deposit-rates
All captured Oct 15, 2026
Youth Savings Accounts
0.25%APY
Available to open for youth 0-13 years old (converts to traditional statement savings at 18). A no-fee account that requires a $10 minimum deposit. Child earns a prize for each in branch or in-school deposit. Account variants based on location include Mountaineer Savings Account (West Virginia residents) and Explorer Savings Account (Virginia customers).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Compounding frequency: Annually. Interest is earned at Bank's Statement savings account rates but compounded annually. | 0.20% | — | Compounding frequency: Annually. Interest is earned at Bank's Statement savings account rates but compounded annually. |
| $10,000 – $50,000Compounding frequency: Annually. Interest is earned at Bank's Statement savings account rates but compounded annually. | 0.25% | $25 | Compounding frequency: Annually. Interest is earned at Bank's Statement savings account rates but compounded annually. |
| $50,000 – $100,000Compounding frequency: Annually. Interest is earned at Bank's Statement savings account rates but compounded annually. | 0.30% | — | Compounding frequency: Annually. Interest is earned at Bank's Statement savings account rates but compounded annually. |
| $100,000 – $250,000Compounding frequency: Annually. Interest is earned at Bank's Statement savings account rates but compounded annually. | 0.40% | — | Compounding frequency: Annually. Interest is earned at Bank's Statement savings account rates but compounded annually. |
| $250,000 and upCompounding frequency: Annually. Balance over $250,000. Interest is earned at Bank's Statement savings account rates but compounded annually. | 0.80% | — | Compounding frequency: Annually. Balance over $250,000. Interest is earned at Bank's Statement savings account rates but compounded annually. |
Sources (3)
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.