Fixed Rate CDs

Certificates of Deposit (CDs) offer competitively high interest rates on a fixed-dollar investment with interest compounded quarterly.

Account Features:

  • Minimum deposits may vary from $500 to $5,000
  • Terms available from 7 days to 60 months
  • Interest will be paid quarterly and added to your CD or deposited to your account at First National Bank or another institution
  • Automatic CD renewal (unless you notify us by phone or in writing up to 10 days after the maturity date)
  • Option to withdraw all funds in your CD at maturity (You will be notified of maturity; a penalty may be assessed for early withdrawal)
  • Easy online account access


From time to time we offer a variable rate CD. Currently our Perfect Account offers a variable rate and flexible access.

The Perfect Account

  • 25 month term with $5,000 minimum
  • Additional deposits can be made at anytime
  • One withdrawal per calendar month (must be at least thirty days after last deposit or withdrawal)
  • Variable interest rate, customer may initiate a rate change once every 12 months