My Rates

Effective as of January 2, 2014

My Bank and Rate Disclosures

Personal, Business, or Savings—Let Our Rates Work For You

First National Bank offers a wide variety of accounts and services at very competitive rates. We've been in business for over 100 years and remain dedicated to innovation and fairness.

Click on headers below to get our current rates.

Account Type Min Amt to Obtain APY Interest Rate APY*
Legacy Checking Over $100,000 .10% .10%
Legacy Checking $50,000-$99,999 .05% .05%
Legacy Checking $1,000-$49,999 .05% .05%
Legacy Checking $0-$999 N/A N/A
Interest Checking Over $50,000 .10% .10%
Interest Checking $10,000-$49,999 .08% .08%

Monthly service fees may be applicable and may reduce earnings. Rates listed may change after the account is opened.

*APY = ANNUAL PERCENTAGE YIELD

Account Type Prime Plus** APR* Fee
Personal Checkline P + 7.50% 10.75% N/A
VISA Classic P + 7.50% 10.75% N/A
Visa Classic with Rewards P + 8.00% 11.25% ***$20
VISA Gold P + 5.00% 8.25% N/A
Visa Gold with Rewards P + 5.50% 8.75% ***$20
Mastercard Classic P + 7.50% 10.75% N/A
Mastercard Classic with Rewards P + 8.00% 11.25% ***$20
Mastercard Platinum P + 4.00% 7.25% N/A
Mastercard Platinum with Rewards P + 4.50% 7.75% ***$20

*APR = ANNUAL PERCENTAGE RATE

**APR will vary based on the Wall Street Journal's "Prime Rate."

***Annual fee is assessed at the beginning of the second year and annually thereafter.

Account Type Min Amt to Obtain APY Interest Rate APY*
Business Plus Checking Over $100,000 0.10% 0.10%
Business Plus Checking $50,000-$99,999 0.05% 0.05%
Business Plus Checking $1,000-$49,999 0.05% 0.05%
Account Type Prime Plus** APR*** Fee
Business Checkline P + 6.00% 9.25% $100¹
Business Mastercard P + 8.00% 11.25% N/A
Business Mastercard With Rewards P + 8.50% 11.75% $50²

Monthly service fees may be applicable and may reduce earnings. Rates listed may change after the account is opened.

*APY = ANNUAL PERCENTAGE YIELD

**APR will vary based on the Wall Street Journal's "Prime Rate."

***APR = ANNUAL PERCENTAGE RATE

¹ Annual fee on Business CLS is billed to checkline for the previous year.

² Business Mastercard can be set up two different ways: (1)Each cardholder can earn their own points, with an annual fee of $50 per cardholder billed on the first cardholder statement and yearly thereafter.  (2)All business card points can be linked together under a main control account, with an annual fee of $50 per control account billed on the companies first billing statement and yearly thereafter.

Account Type Min Amt to Obtain APY Interest Rate APY*
MMDA Accounts Over $100,000 0.15% .15%
MMDA Accounts $50,000-$99,999 0.10% 0.10%
MMDA Accounts $20,000-$49,999 0.05% 0.05%
MMDA Accounts $1,000-$19,999 0.05% 0.05%
MMDA Accounts $0-$999 N/A N/A
Traditional Savings** All 0.10% 0.10%
Ultimate Savings** Over $5,000 0.15% 0.15%
Ultimate Savings** $1,000-$4,999 0.10% 0.10%
Ultimate Savings** $0-$999 0.10% 0.10%

Monthly service fees may be applicable and may reduce earnings. Rates listed may change after the account is opened.

*APY = ANNUAL PERCENTAGE YIELD
**Min to open $25.00

Maturity Min Amt to Obtain APY Interest Rate APY*
7-89 Days $500 0.10% 0.10%
3 Month $500 0.15% 0.15%
6 Month $500 0.25% 0.25%
1 Year $500 0.35% 0.35%
2 Year $500 0.50% 0.50%
3 Year $500 0.75% 0.75%
4 Year $500 1.00% 1.01%
5 Year $500 1.45% 1.46%
14 Days $100,000 0.10% 0.10%
30 Days $100,000 0.10% 0.10%
90 Days $100,000 0.15% 0.15%
180 Days $100,000 0.25% 0.25%
IRA Savings** $25 0.10% 0.10%
6 Month Certificate IRA $500 0.25% 0.25%
12 Month Certificate IRA $500 0.35% 0.35%
24 Month Certificate IRA $500 0.50% 0.50%
60 Month Certificate IRA $500 1.45% 1.46%

All Certificates of Deposit are subject to a penalty for early withdrawals. The annual percentage yield assumes interest will remain on deposit until maturity and any withdrawal will reduce earnings.

*APY = ANNUAL PERCENTAGE YIELD
** Min to open $25.00

Contact one of our loan officers today to get current rates. Contact Us.

Contact one of our loan officers today to get current rates. Contact Us.