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Rates are effective as of 3/9/2010.
Rates are subject to change at any time without notice.
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Certificates of Deposit
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Term
|
Minimum*
|
Interest Rate
|
APY**
|
Special Terms
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|
91 - 181 Days
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$500
|
0.75%
|
0.75%
|
None
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182 - 364 Days
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$500
|
1.24%
|
1.25%
|
None
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1 Year - 23 Months
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$500
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1.49%
|
1.50%
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None
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24 - 35 Months
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$500
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1.49%
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1.50%
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None
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36 - 47 Months
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$500
|
1.98%
|
2.00%
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None
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48 - 59 Months
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$500
|
2.23%
|
2.25%
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None
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60 Months
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$500
|
2.74%
|
2.75%
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None
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12 Month KNIGHT CD (rising rate)***
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$500
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1.74%
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1.75%
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Enrollment Closed
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*Minimum Balance, penalty for early withdrawal
**APY= Annual Percentage Yield
***Enrollment for this product ended December 4, 2009.
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Individual Retirement Accounts (IRAs)
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|
Term
|
Minimum*
|
Interest Rate
|
APY**
|
Special Terms
|
|
91 - 181 days
|
$500
|
xxx
|
xxx
|
None
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|
182 - 364 days
|
$500
|
1.34%
|
1.35%
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None
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1 Year - 23 Months
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$500
|
1.59%
|
1.60%
|
None
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|
24 - 35 Months
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$500
|
1.59%
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1.60%
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None
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36 - 47 Months
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$500
|
2.08%
|
2.10%
|
None
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48 - 59 Months
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$500
|
2.33%
|
2.35%
|
None
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|
60 Months
|
$500
|
2.84%
|
2.85%
|
None
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*Minimum Balance, penalty for early withdrawal
**APY =Annual Percentage Yield
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Checking Accounts
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|
Product
|
Minimum Balance**
|
Interest Rate
|
APY*
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NOW Account
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$1,000
|
0.10%
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0.10%
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*APY = Annual Percentage Yield
**Minimum daily balance
Fees may reduce earnings
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Savings Accounts
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|
Product
|
Minimum to Open
|
Minimum Balance**
|
Interest Rate
|
APY*
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Statement Savings
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$100
|
$1.00
|
0.20%
|
0.20%
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Christmas Savings
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$5
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see account terms
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0.20%
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0.20%
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Christmas Savings (Auto-Transfer)
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$5
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see account terms
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0.25%
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0.25%
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FNB Kids Savers Club
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$10
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$1.00
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0.20%
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0.20%
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Money Market Deposit Account
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$2,500
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0.20%
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0.20%
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*APY = Annual Percentage Yield
**Minimum daily balance
Fees may reduce earnings
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