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FNB, a division of FirstBank

IRAs & CDs


An Individual Retirement Account (IRA) is a tax-deferred* savings plan approved by the Internal Revenue Service that allows eligible individuals to contribute funds for retirement up to annual contribution limits.  
Roth IRA
An option in which customers enjoy tax free* earnings on the money invested.

  • Funds invested by Certificate of Deposit—Minimum Deposit: $250.00
  • Interest accrues daily, capitalizes quarterly
  • Insured by the FDIC
*consult Tax advisor  


Certificate of Deposit
Let your money grow in a FNB CD and earn a high fixed interest rate.

  • Contact us for current rates
  • Automatic renewal with a 10 day grace period
  • Interest accrues daily, capitalized, paid by check, or deposited to another account monthly, quarterly, semi-annually or annually
  • CD may be used as collateral
  • Insured by the FDIC
  • Early withdrawal penalties may apply

 Term Penalty for Early Withdrawal
3-5 months 30 days interest or all interest
6-11 months
one month's interest
12-35 months three month's interest
36-47 months four month's interest
48-59 months five month's interest
60 months six month's interest
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