Certificates of Deposit (CDs)

Maximize your interest rate and enjoy the security of FDIC insurance while saving for a set period of time.

  • $500 minimum to open
  • Terms range from 30 days to 5 years
  • Competitive interest rates set according to amount and term
  • Receive your interest by direct deposit into any First National account, or by a monthly, quarterly, semi-annual or annual check
  • Automatic renewal available on select CDs


Hurry in to take advantage of our GREAT rate! 

  • 17 Months CD Special at 2.50%APY* with 1x Bump!

*Annual Percentage Yield (APY) is effective 09/20/22; offer is subject to change at any time. Minimum opening deposit of $10,000. The APY assumes principal and interest remain on deposit for the term of the certificate. Interest must be deposited into a First National Bank account. If bump option is elected, the CD will bump to the 18 month rate. Early withdrawal penalties may apply. Not available to financial institutions or public funds. Fees could reduce the earnings on the account. 

Individual Retirement Accounts (IRAs)

Invest in your financial future while saving with an account that will help you safely prepare for retirement. Options include: Traditional IRAs, Roth IRAs, 401(k) Rollover and Simplified Employee Pension Plans (SEP).

  • Tax-deferred earnings
  • Tax-free qualified withdrawals

Coverdell Education Savings

Set money aside for education-related expenses in an account that offers tax advantages.

  • Tax-deferred earnings
  • Tax-free qualified withdrawals
  • Lenient contribution requirements – both relatives and friends may give to the account

Please talk with a representative for fee schedule.