Certificate of Deposit (CDs)

You choose the terms.

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Certificates of Deposit (CDs)

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.

Account Summary

Minimum deposit of $500
Wide range of terms available
Interest compounded daily and paid according to the CD you choose
Automatic CD renewal¹
Option to withdraw funds at maturity²
Higher interest rates depending on First National checking relationship

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CD Rates

Certificate of Deposit Specials
Base CD Rates
Relationship CD Rates
Premier CD Rates

Certificates of Deposit (CDs) Specials
Annual Percentage Yield (APY) accurate as of {certificate-of-deposit-specials-date}*

Premier Rates
^{Requires a Premier Checking or Employee 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 or Access Debit Account 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 or Access Debit Account 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 or Employee Checking relationship.
Minimum Deposit to Open: $500

Find a Branch

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Savings Account

Savings Account Saving for the short term? Learn about our savings account options and let your money grow while still having access to it.

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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.

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