Bank · FDIC insured
The First National Bank of Waverly CD Rates
The First National Bank of Waverly’s best CD rate is 3.98% APY on a 6-month CD. Terms run from 6 months to 37 months. Rates checked October 16, 2026.
How The First National Bank of Waverly’s CD rates compare
Compared with banks and credit unions in Ohio, where The First National Bank of Waverly has the most branches. $10,000, best rate first.
This bank’s best
The First National Bank of Waverly
3.98%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $197
Certificate of Deposit
Top rate
First Choice America Community Federal Credit Union
5.22%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $657
2nd-highest rate
Homeland Credit Union
5.15%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,338
The First National Bank of Waverly CD score
77
CD score
Higher than 44% of U.S. banks and credit unions
- 3–8 months3–8 mo3.98%
- 9–15 months9–15 mo3.72%
- 16–30 months16–30 mo1.21%
- 31–60 months31–60 mo1.26%
- QualifiedQualified3.98%
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 The First National Bank of Waverly 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.
Certificate of Deposit
Up to 3.98%APY · 7 terms
No Public Funds or Jumbo CD's $250,000 maximum deposit. CD is automatically renewed for the same term and published rate offered during renewal period. Penalty for early withdrawal. Fees may reduce earnings. APY assumes principal and interest will remain on deposit for the term of the CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–11 monthsTerm: 7 to 364 days. Simple compounding. Early withdrawal penalty: 3 Months Interest | 0.90% | $2 |
| 6 months6 Month Special. Simple compounding. Early withdrawal penalty: 3 Months Interest. Offer good for initial term only | 3.98% | $197 |
| 12 months12 Month Special. Simple compounding. Early withdrawal penalty: 6 Months Interest. Offer good for initial term only | 3.72% | $372 |
| 12–17 monthsTerm: 12 to 17 Months. Simple compounding. Early withdrawal penalty: 6 Months Interest | 1.11% | $111 |
| 18–23 monthsTerm: 18 to 23 Months. Simple compounding. Early withdrawal penalty: 6 Months Interest | 1.16% | $175 |
| 24–36 monthsTerm: 24 to 36 Months. Simple compounding. Early withdrawal penalty: 6 Months Interest | 1.21% | $243 |
| 37–48 monthsTerm: 37 to 48 Months. Simple compounding. Early withdrawal penalty: 6 Months Interest | 1.26% | $394 |
Sources (1)
- thefirstnational.com/Rates · captured Sep 17, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 2.94%APY · 6 terms
No Public Funds or Jumbo CD's $250,000 maximum deposit. CD is automatically renewed for the same term and published rate offered during renewal period. Penalty for early withdrawal. Fees may reduce earnings. APY assumes principal and interest will remain on deposit for the term of the CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–11 monthsTerm: IRA 91 to 364 Days. Quarterly compounding. Early withdrawal penalty: 3 Months Interest | 1.00% | $25 |
| 12–17 monthsTerm: IRA 12 to 17 Months. Quarterly compounding. Early withdrawal penalty: 6 Months Interest | 1.16% | $116 |
| 18–23 monthsTerm: IRA 18 to 23 Months. Quarterly compounding. Early withdrawal penalty: 6 Months Interest | 2.94% | $444 |
| 24–29 monthsTerm: IRA 24 to 29 Months. Quarterly compounding. Early withdrawal penalty: 6 Months Interest | 1.26% | $254 |
| 30–47 monthsTerm: IRA 30 to 47 Months. Quarterly compounding. Early withdrawal penalty: 6 Months Interest | 1.31% | $331 |
| 48 monthsTerm: IRA 48 Months. Quarterly compounding. Early withdrawal penalty: 6 Months Interest | 1.36% | $555 |
Sources (1)
- thefirstnational.com/Rates · captured Sep 17, 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.