CDs and IRAs

First National Bank offers CD’s for those who are looking for higher returns. The interest rates are fixed for the term of the CD.  The interest is calculated daily and compounded monthly, quarterly or semi-annually. The interest may be reinvested, paid to the customer by check, or credited to a checking, savings, or money market account.  Select the interest ate and term that is best suited for your savings objectives with First National’s broad selection of CD options. We offer terms from 30 days to 60 months. CD’s are automatically renewable and there is a grace period for withdrawal or deposit without penalty at the time of renewal. Early withdrawals will be subject to penalty. Fees may reduce earnings.


Certificates of Deposit

30 Day Certificate $500 Minimum Opening Deposit
3 Month Certificate $500 Minimum Opening Deposit
6 Month Certificate $500 Minimum Opening Deposit
12 Month Certificate $500 Minimum Opening Deposit
18 Month Certificate $500 Minimum Opening Deposit
24 Month Certificate $500 Minimum Opening Deposit
30 Month Certificate $500 Minimum Opening Deposit
60 Month Certificate $500 Minimum Opening Deposit

*Interest Rates for these accounts will be listed on the Interest Rates page.


Individual Retirement Account

12 Month Certificate $500 Minimum Opening Deposit
18 Month Certificate $500 Minimum Opening Deposit
30 Month Certificate $500 Minimum Opening Deposit

*Interest Rates for these accounts will be listed on the Interest Rates page.


  • Member FDIC
  • CD/IRA Specials

    7 Month Special $10,000 Minimum Opening Deposit
    14 Month Special $10,000 Minimum Opening Deposit
    27 Month Special $10,000 Minimum Opening Deposit
    37 Month Special $10,000 Minimum Opening Deposit
    49 Month Special $10,000 Minimum Opening Deposit

    *Interest Rates for these accounts will be listed on the Interest Rates page.