Best CD rates and certificates

Requirements

Product: Fixed rate. Rates and minimum balance may vary by term. Early withdrawal penalties apply.

Offer: Fixed rate. Any withdrawal(s) from the account during the term will be subject to a penalty of 90 days of interest. Fees could reduce earnings.

Requirements

Product: One EZ Save Certificate per account (limit $25,000). 12-month term; after 12 months you have the opportunity to transfer the balance to another Share Certificate. Additional deposits allowed anytime. Once balance reaches $25,000, must request earned dividends to be automatically transferred out to earn the full APY. Early withdrawal penalty applies excluding dividends.

Offer: Balances under $25,000 earn 4.00% APY. Initial deposit minimum is $50.

Requirements

Product: Rates as of 8/3/26 and subject to change at any time. Rates are fixed for the term. APY reflects dividends compounded and paid into the certificate monthly. Early withdrawal penalties apply.

Requirements

Product: Penalty may be imposed for early withdrawal. Renews as a 13-month CD at the current board rate. Limited time offer.

Offer: Limited time offer. Renews as a 13-month CD at the current board rate. Penalty for early withdrawal may apply.

Requirements

Product: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.

Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.

Requirements

Product: Limited time only. Requires $1,000 minimum deposit in new money only. Early withdrawal penalty applies. Membership eligibility required.

Offer: Limited time only. New money only. $1,000 minimum. Penalty for early withdrawal applies.

Requirements

Product: Online CD promotion. Open online in minutes. Fixed APY.

Offer: Open online in minutes. Limited-time promotional online CD.

Requirements

Product: Penalty for early withdrawal. No additional deposits until maturity. Automatically renews within 10 calendar days of maturity at current market value.

Offer: $1,000 minimum balance.

Requirements

Product: Dividends are paid and compounded quarterly, calculated using the daily balance method. Minimum balances required to earn APY. Early withdrawal penalties apply. Must maintain membership share ($5 par value).

Requirements

Product: 3 Month to 60 Month Term CD's Available. Substantial penalty on early withdrawal – Fees May Reduce Earnings. Call for all other terms/rates.

Offer: Quarterly compounding. Substantial penalty on early withdrawal – Fees May Reduce Earnings.

Requirements

Product: Dividends compounded and paid quarterly. Early withdrawal penalties apply.

Requirements

Product: Calculation based on $1,000; early withdrawal penalty may apply. Dividends paid and compounded quarterly.

Requirements

Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.

Requirements

Product: Dividends are accrued and paid monthly. Dividends are declared by the Board of Directors each dividend period. Accounts closed prior to dividend posting forfeit all accrued dividends. Early withdrawal penalty applies (180 days interest).

Requirements

Product: Limited time offer. New money and consumer deposits only. Freedom to add additional funds (depositors may add up to 100% of the original deposit amount). Interest compounded daily and paid at maturity. No withdrawals permitted for the first seven days after opening. Penalty for early withdrawal is 90 days interest.

Offer: New money and consumer deposits only. Depositors may add up to 100% of the original deposit amount. Interest paid at maturity. No withdrawals permitted for the first 7 days after opening. Early withdrawal penalty is 90 days interest.