Certificates & IRAs

Complement your savings strategy with an account that supports short or long-term plans.  

Find your savings strategy.

Certificate of Deposit

A great fit for:

  • Savers looking to maximize their yield
  • $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

 

  • 9-Month CD Special at 4.98% Annual Percentage Yield APY*
  • 15 Month CD Special at 4.85% Annual Percentage Yield APY*

*Annual Percentage Yield (APY) is effective 4/09/24; offer is subject to change at any time. Minimum opening deposit of $5,000. Early withdrawal penalties may apply. Not available to financial institutions or public funds. Fees could reduce the earnings on the account.

IRAs

A great fit for:

  • Anyone saving for retirement

Invest in your financial future by securely saving for retirement*. It’s never too early to start. 

  • Traditional IRAs 
  • Roth IRAs 
  • 401(k) Rollover  
  • Simplified Employee Pension Plans (SEP). 

*Subject to IRS requirements

Coverdell Education Savings

A great fit for:

  • Anyone saving for education

Open a tax-advantaged savings account for education-related expenses. 

  • Tax-deferred earnings 
  • Tax-free qualified withdrawals 
  • Both relatives and friends may make contributions. 

Personal Loans

Get the cash you need to keep moving forward. 

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Mortgage Loans

Starter home, second home or your “forever home” – whatever it may be, we can help you call it home with affordable fixed-rate and adjustable-rate mortgages. 

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Cash Management Services

Save time and boost efficiency. Use our cash management services to expedite payment processing and simplify cash flow procedures. 

Additional Services