Deposit as little as $500 and let your money grow anywhere from 91 days to 5 years. We have CD options that will let you choose the terms right for your investment goals.
Certificates of Deposit (CDs) Specials
Annual Percentage Yield (APY) accurate as of {certificate-of-deposit-specials-date}*
Premier Rates
Requires a Premier Checking, First At Work Free Checking, Employee Checking, or Customer First Classic Checking relationship
| Account Type | Interest Rate | APY |
|---|---|---|
| 7 Month | {certificate-of-deposit-specials-rate_7-month-premier-cd-special} | {certificate-of-deposit-specials-apy_7-month-premier-cd-special} |
| 17 Month | {certificate-of-deposit-specials-rate_17-month-premier-cd-special} | {certificate-of-deposit-specials-apy_17-month-premier-cd-special} |
| 27 Month | {certificate-of-deposit-specials-rate_27-month-premier-cd-special} | {certificate-of-deposit-specials-apy_27-month-premier-cd-special} |
Relationship Rates
Requires a Free Checking, Access Debit Account, College Connect Checking, or Customer First Complete Checking relationship
| Account Type | Interest Rate | APY |
|---|---|---|
| 7 Month | {certificate-of-deposit-specials-rate_7-month-relationship-cd-special} | {certificate-of-deposit-specials-apy_7-month-relationship-cd-special} |
| 17 Month | {certificate-of-deposit-specials-rate_17-month-relationship-cd-special} | {certificate-of-deposit-specials-apy_17-month-relationship-cd-special} |
| 27 Month | {certificate-of-deposit-specials-rate_27-month-relationship-cd-special} | {certificate-of-deposit-specials-apy_27-month-relationship-cd-special} |
Base Rates
No checking relationship required
| Account Type | Interest Rate | APY |
|---|---|---|
| 7 Month | {certificate-of-deposit-specials-rate_7-month-base-cd-special} | {certificate-of-deposit-specials-apy_7-month-base-cd-special} |
| 17 Month | {certificate-of-deposit-specials-rate_17-month-base-cd-special} | {certificate-of-deposit-specials-apy_17-month-base-cd-special} |
| 27 Month | {certificate-of-deposit-specials-rate_27-month-base-cd-special} | {certificate-of-deposit-specials-apy_27-month-base-cd-special} |
*Deposit rates may change daily. Fees may reduce earnings.
Minimum Deposit to Open: $500
Certificates of Deposit (CDs) - Base Rates
Annual Percentage Yield (APY) accurate as of {base-cd-rates-date}*
| Account Type | Interest Rate | APY |
|---|---|---|
| 91 Day | {base-cd-rates-rate_91-day-base-cd} | {base-cd-rates-apy_91-day-base-cd} |
| 6 Month | {base-cd-rates-rate_6-month-base-cd} | {base-cd-rates-apy_6-month-base-cd} |
| 9 Month | {base-cd-rates-rate_9-month-base-cd} | {base-cd-rates-apy_9-month-base-cd} |
| 12 Month | {base-cd-rates-rate_12-month-base-cd} | {base-cd-rates-apy_12-month-base-cd} |
| 15 Month | {base-cd-rates-rate_15-month-base-cd} | {base-cd-rates-apy_15-month-base-cd} |
| 18 Month | {base-cd-rates-rate_18-month-base-cd} | {base-cd-rates-apy_18-month-base-cd} |
| 18 Month Jump Up** | {base-cd-rates-rate_18-month-jump-up**-base-cd} | {base-cd-rates-apy_18-month-jump-up**-base-cd} |
| 21 Month No Worry | {base-cd-rates-rate_21-month-no-worry-base-cd} | {base-cd-rates-apy_21-month-no-worry-base-cd} |
| 24 Month | {base-cd-rates-rate_24-month-base-cd} | {base-cd-rates-apy_24-month-base-cd} |
| 30 Month | {base-cd-rates-rate_30-month-base-cd} | {base-cd-rates-apy_30-month-base-cd} |
| 36 Month | {base-cd-rates-rate_36-month-base-cd} | {base-cd-rates-apy_36-month-base-cd} |
| 48 Month | {base-cd-rates-rate_48-month-base-cd} | {base-cd-rates-apy_48-month-base-cd} |
| 60 Month | {base-cd-rates-rate_60-month-base-cd} | {base-cd-rates-apy_60-month-base-cd} |
*Deposit rates may change daily. Fees may reduce earnings.
**The 18 Month Jump Up CD is a variable rate account.
No Checking Relationship Required
Minimum Deposit to Open: $500
Certificates of Deposit (CDs) - Relationship Rates
Annual Percentage Yield (APY) accurate as of {relationship-cd-rates-date}*
| Account Type | Interest Rate | APY |
|---|---|---|
| 91 Day | {relationship-cd-rates-rate_91-day-relationship-cd} | {relationship-cd-rates-apy_91-day-relationship-cd} |
| 6 Month | {relationship-cd-rates-rate_6-month-relationship-cd} | {relationship-cd-rates-apy_6-month-relationship-cd} |
| 9 Month | {relationship-cd-rates-rate_9-month-relationship-cd} | {relationship-cd-rates-apy_9-month-relationship-cd} |
| 12 Month | {relationship-cd-rates-rate_12-month-relationship-cd} | {relationship-cd-rates-apy_12-month-relationship-cd} |
| 15 Month | {relationship-cd-rates-rate_15-month-relationship-cd} | {relationship-cd-rates-apy_15-month-relationship-cd} |
| 18 Month | {relationship-cd-rates-rate_18-month-relationship-cd} | {relationship-cd-rates-apy_18-month-relationship-cd} |
| 18 Month Jump Up** | {relationship-cd-rates-rate_18-month-jump-up**-relationship-cd} | {relationship-cd-rates-apy_18-month-jump-up**-relationship-cd} |
| 21 Month No Worry | {relationship-cd-rates-rate_21-month-no-worry-relationship-cd} | {relationship-cd-rates-apy_21-month-no-worry-relationship-cd} |
| 24 Month | {relationship-cd-rates-rate_24-month-relationship-cd} | {relationship-cd-rates-apy_24-month-relationship-cd} |
| 30 Month | {relationship-cd-rates-rate_30-month-relationship-cd} | {relationship-cd-rates-apy_30-month-relationship-cd} |
| 36 Month | {relationship-cd-rates-rate_36-month-relationship-cd} | {relationship-cd-rates-apy_36-month-relationship-cd} |
| 48 Month | {relationship-cd-rates-rate_48-month-relationship-cd} | {relationship-cd-rates-apy_48-month-relationship-cd} |
| 60 Month | {relationship-cd-rates-rate_60-month-relationship-cd} | {relationship-cd-rates-apy_60-month-relationship-cd} |
*Deposit rates may change daily. Fees may reduce earnings.
**The 18 Month Jump Up CD is a variable rate account.
Requires a Free Checking, Access Debit Account, or Customer First Complete Checking relationship
Minimum Deposit to Open: $500
Certificates of Deposit (CDs) - Premier Rates
Annual Percentage Yield (APY) accurate as of {premier-cd-rates-date}*
| Account Type | Interest Rate | APY |
|---|---|---|
| 91 Day | {premier-cd-rates-rate_91-day-premier-cd} | {premier-cd-rates-apy_91-day-premier-cd} |
| 6 Month | {premier-cd-rates-rate_6-month-premier-cd} | {premier-cd-rates-apy_6-month-premier-cd} |
| 9 Month | {premier-cd-rates-rate_9-month-premier-cd} | {premier-cd-rates-apy_9-month-premier-cd} |
| 12 Month | {premier-cd-rates-rate_12-month-premier-cd} | {premier-cd-rates-apy_12-month-premier-cd} |
| 15 Month | {premier-cd-rates-rate_15-month-premier-cd} | {premier-cd-rates-apy_15-month-premier-cd} |
| 18 Month | {premier-cd-rates-rate_18-month-premier-cd} | {premier-cd-rates-apy_18-month-premier-cd} |
| 18 Month Jump Up** | {premier-cd-rates-rate_18-month-jump-up**-premier-cd} | {premier-cd-rates-apy_18-month-jump-up**-premier-cd} |
| 21 Month No Worry | {premier-cd-rates-rate_21-month-no-worry-premier-cd} | {premier-cd-rates-apy_21-month-no-worry-premier-cd} |
| 24 Month | {premier-cd-rates-rate_24-month-premier-cd} | {premier-cd-rates-apy_24-month-premier-cd} |
| 30 Month | {premier-cd-rates-rate_30-month-premier-cd} | {premier-cd-rates-apy_30-month-premier-cd} |
| 36 Month | {premier-cd-rates-rate_36-month-premier-cd} | {premier-cd-rates-apy_36-month-premier-cd} |
| 48 Month | {premier-cd-rates-rate_48-month-premier-cd} | {premier-cd-rates-apy_48-month-premier-cd} |
| 60 Month | {premier-cd-rates-rate_60-month-premier-cd} | {premier-cd-rates-apy_60-month-premier-cd} |
*Deposit rates may change daily. Fees may reduce earnings.
**The 18 Month Jump Up CD is a variable rate account.
Requires a Premier Checking, First At Work Free Checking, Employee Checking, or Customer First Classic Checking relationship
Minimum Deposit to Open: $500
No matter where you begin, FNBO is with you where you are, by your side, to provide guidance and encouragement along the way. Gain a better understanding of your finances with this simple financial analysis. It takes less than five minutes and you'll receive a personalized report.
View Deposit Agreement (PDF)
1 CD accounts will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty. This account will not renew if you withdraw the funds on the maturity date or if we receive written notice from you on or before the maturity date of your intention not to renew.
2 You will be notified at maturity; a penalty may be assessed for early withdrawal.