More ways to save

CDs and IRAs

Want your money to do more? Watch your savings grow in a certificate of deposit (CD) with negotiable rates, or in an individual retirement account (IRA) through First National Bank. Reach out to learn more!

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Certificate of Deposit (CD)

CDs are safe and secure, making them ideal for those who want a higher yield with lower risk. With a renewable CD, you have the flexibility to choose a term that meets your savings needs.

To learn about our negotiable rates, contact our Personal Banking team

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Certificate of Deposit (CD)

Make Your Savings Sizzle

With our special CD rates, increasing your savings is simple! We’re offering four CD options with a $10,000 minimum opening deposit to heat up your short-term savings goals. For more information, reach out to a banker or stop by one of our 19 convenient locations.

CD Special #1

7-month term

3.34% APY*

Minimum Deposit: $10,000

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*Annual Percentage Yield accurate as of 07/01/26. An early withdrawal penalty and other restrictions may apply. Offer not valid on public funds. CD is automatically renewed for a 7-month term. This offer expires 07/31/26.

CD Special #2

17-month term

3.50% APY*

Minimum Deposit: $10,000

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*Annual Percentage Yield accurate as of 07/01/26. An early withdrawal penalty and other restrictions may apply. Offer not valid on public funds. CD is automatically renewed for a 17-month term. This offer expires 07/31/26.

CD Special #3

24-month term

3.59% APY*

Minimum Deposit: $10,000

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*Annual Percentage Yield accurate as of 07/01/26. An early withdrawal penalty and other restrictions may apply. Offer not valid on public funds. CD is automatically renewed for a 24-month term. This offer expires 07/31/26.

CD Special #4

36-month term

3.59% APY*

Minimum Deposit: $10,000

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*Annual Percentage Yield accurate as of 07/01/26. An early withdrawal penalty and other restrictions may apply. Offer not valid on public funds. CD is automatically renewed for a 36-month term. This offer expires 07/31/26.

Individual Retirement Account (IRA)

Saving for tomorrow is essential for financial security. You can receive tax incentives and grow your retirement income with an IRA, helping you to meet your financial goals.

Learn more about our IRA options:

Individual Retirement Account (IRA)