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CDs/Money Market

Start growing your money today. 
Grow your money with a variety of CD and Money Market options that yield higher rates of return than a traditional savings account.

Contact us today to learn about safe and secure plans to save for your short- and long-term goals.


Certificates of Deposit (CDs) may be the best choice if you have cash reserves and are looking to maximize your earnings. CDs are offered with a variety of maturity dates, from 3 months to 5 years, to ensure the best fit for your individual needs. A penalty will be imposed for early withdrawal.

Account Details

  • Open with a minimum deposit of $2,500.00

Please contact an FNB Customer Service Representative to obtain current interest rate information on various maturities and to receive appropriate disclosure information on terms, fees, and interest rates.


Our Money Market Investment accounts offer competitive interest rates with the flexibility for withdrawals.  

Account Details

  • $2,500 minimum opening deposit
  • Interest is paid and compounded monthly. The interest rate and annual percentage yield will depend upon the daily balance in the account using the following tiers:
    • Up to $2,499.99
    • $2,500.00 - 4,999.99
    • $5,000.00 - 14,999.99
    • $15,000.00 - 49,999.99
    • $50,000.00 and up
  • No monthly maintenance fee if balance remains above $2,500
  • If the daily account balance drops below $2,500.00, a $10.00 service charge will be assessed.

Certain types of withdrawal transactions are limited to six (6) per month.

Preauthorized transfers made through third parties which may be by check, draft, debit card or similar order are limited. THERE WILL BE A FEE OF $9.75 FOR EACH WITHDRAWAL OVER THE SIX (6) LIMITED TRANSACTIONS.

Withdrawals made in person, by messenger, by mail, at an ATM or withdrawals to pay on loans that you have with us. Preauthorized or automatic transfers include "Sweep" transfers from your Money Market Account to cover overdrafts, preauthorized transfers from your Money Market Account to any other deposit that you own that are set in advance to occur automatically, transfers initiated thru the 24 hour automated telephone, On-Line Banking and Mobile Banking are also unlimited.

debit or credit card

Offering personal debit or credit card options along with business debit & credit cards.



Start planning for the future with our convenient financial calculators.

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Our goal as an independent community bank is to build lasting relationships - one person at a time.