|
Rates are effective as of 5/22/2013.
Rates are subject to change at any time without notice.
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Certificates of Deposit
|
|
Term
|
Minimum*
|
Interest Rate
|
APY**
|
Special Terms
|
|
91 - 181 Days
|
$500
|
0.10%
|
0.10%
|
None
|
|
182 - 364 Days
|
$500
|
0.15%
|
0.15%
|
None
|
|
1 Year - 23 Months
|
$500
|
0.35%
|
0.35%
|
None
|
|
24 - 35 Months
|
$500
|
0.50%
|
0.50%
|
None
|
|
36 - 47 Months
|
$500
|
0.75%
|
0.75%
|
None
|
|
48 - 59 Months
|
$500
|
1.05%
|
1.05%
|
None
|
|
60 Months
|
$500
|
1.25%
|
1.25%
|
None
|
|
|
|
|
|
|
*Minimum Balance, penalty for early withdrawal
**APY= Annual Percentage Yield
|
|
Individual Retirement Accounts (IRAs)
|
|
Term
|
Minimum*
|
Interest Rate
|
APY**
|
Special Terms
|
|
91 - 181 days
|
$500
|
xxx
|
xxx
|
None
|
|
182 - 364 days
|
$500
|
0.15%
|
0.15%
|
None
|
|
1 Year - 23 Months
|
$500
|
0.40%
|
0.40%
|
None
|
|
24 - 35 Months
|
$500
|
0.55%
|
0.55%
|
None
|
|
36 - 47 Months
|
$500
|
0.85%
|
0.85%
|
None
|
|
48 - 59 Months
|
$500
|
1.10%
|
1.10%
|
None
|
|
60 Months
|
$500
|
1.30%
|
1.30%
|
None
|
*Minimum Balance, penalty for early withdrawal
**APY =Annual Percentage Yield
|
|
Checking Accounts
|
|
Product
|
Minimum Balance**
|
Interest Rate
|
APY*
|
|
NOW Account
|
$1,000
|
0.05%
|
0.05%
|
|
Commercial IBA
|
$5,000
|
0.05%
|
0.05%
|
|
Commercial IBA Premium
|
$50,000
|
0.10%
|
0.10%
|
*APY = Annual Percentage Yield
**Minimum daily balance
Fees may reduce earnings
|
|
Savings Accounts
|
|
Product
|
Minimum to Open
|
Minimum Balance**
|
Interest Rate
|
APY*
|
|
Statement Savings
|
$100
|
$1.00
|
0.10%
|
0.10%
|
|
Christmas Savings
|
$5
|
see account terms
|
0.10%
|
0.10%
|
|
Christmas Savings (Auto-Transfer)
|
$5
|
see account terms
|
0.15%
|
0.15%
|
|
FNB Kids Savers Club
|
$10
|
$1.00
|
0.10%
|
0.10%
|
|
Money Market Deposit Account
|
$2,500
|
$2,500
|
0.10%
|
0.10%
|
*APY = Annual Percentage Yield
**Minimum daily balance
Fees may reduce earnings
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