Best CD rates and certificates

Requirements

Product: Minimum deposit on all Share Certificates is $500.00. Share Certificates will automatically renew for the original term at the stated rate in effect at the time of renewal. Early withdrawal penalties: For terms less than one year, penalty equivalent to one month's accrued interest; for terms of one year or more, penalty equivalent to three months of accrued interest.

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: Fixed rate account. Minimum balance of $500.00 required to open and to obtain disclosed APY. Early withdrawal penalty may apply ($25 minimum). Interest compounding and crediting: less than 1 year earns non-compounded interest (credited monthly or at maturity); 1 year or longer compounded and credited semi-annually unless monthly checks/transfers are taken. Daily balance method used. Automatically renews at maturity with 7 calendar day grace period. Jumbo CD rate requires $100,000.00 or more.

Offer: Special CD / CD rate tier. $100,000.00 or more required to earn Jumbo CD rate.

Requirements

Product: Allows for deposits of $500 or more during term. One partial withdrawal per 12 month term with no penalty. Additional withdrawals have 90 days dividend [interest] penalty. Penalty may reduce earnings. Additional deposits allowed. Renews as a 12 Month Super Savings Certificate.

Offer: Allows for deposits of $500 or more during term. One partial withdrawal per 12 month term with no penalty. Additional withdrawals have 90 days dividend [interest] penalty. Renews as a 12 Month Super Savings Certificate.

Requirements

Product: Early withdrawal penalty: less than 18 months incurs 90 days' dividends [interest]; 18 months and over incurs 180 days' dividends [interest]. Deposits insured by NCUA.

Offer: Penalty for early withdrawal: 18 months and over — 180 days' dividends [interest].

Requirements

Product: $500 minimum balance for all terms. Early withdrawal penalty: 1 month dividend for 6 month certificates; 3 months dividend for 12 to 36 month certificates.

Offer: Early withdrawal penalty: 3 months dividend.

Requirements

Product: Penalty for early withdrawal. Fees could reduce earnings on the account. Relationship rates require four or more unique services with the bank.

Offer: Best "Relationship" Rate. Compounded 6 month. Available to customer who has four or more unique services with the bank. Penalty for early withdrawal.

Requirements

Product: Early withdrawal penalty will be imposed, if applicable. Fixed rate with interest compounded and paid quarterly.

Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $500.00. Early withdrawal penalty will be imposed.

Requirements

Product: Fixed interest rate for the term of certificate. For personal and business accounts under $100,000 only. Penalty for early withdrawal may apply. Fees may reduce earnings.

Offer: In-branch rate for Zip Code 15701. Fixed rate. For personal and business accounts under $100,000 only. Not valid for institutional investors. Substantial penalty for early withdrawal.