Current Rates

Certificates Of Deposit

CD TermsMinimum to OpenInterest RateAnnual Percentage Yield
3 Months$1,0002.00%2.02%
6 Months$1,0004.40%4.47%
12 Months$1,0004.20%4.27%
15 Months$1,0001.25%1.26%
17 Months$1,0003.25%3.29%
24 Months$1,0002.75%2.78%
33 Months$1,0002.75%2.78%
34 Months$1,0002.75%2.78%
36 Months$1,0002.50%2.52%
48 Months$1,0002.50%2.52%
60 Months$1,0002.50%2.52%

Rates are accurate as of March 18, 2024 and are subject to change at any time. A penalty may be imposed for early withdrawal. Annual percentage yields are based upon quarterly compounding. The minimum to open is the minimum balance required to obtain the APY.

IRA Rates

Term Rate Annual Percentage Yield
 18-Month IRA 3.00% 3.04%
 $250.00 minimum Variable Rate Compounded Monthly
 Effective 03-14-2023

The annual percentage yield for the Variable Rate IRA may change after the account is opened. Fixed Rate IRAs – same as our current CD rates

Checking and Savings Rates

Account TypeInterest RateAnnual Percentage YieldMinimum Opening Requirement
Checking Accounts
Check Plus Checking $25.00
$0 - $1,999.990.05%0.05%
$2,000.00 - $9,999.990.10%0.10%
$10,000.00 - $24,999.990.10%0.10%
$25,000.00 - $74,999.990.10%0.10%
$75,000 +0.10%0.10%
Classic 55 Checking$100.00
$0 - $49,999.990.10%0.10%
$50,000+0.15%0.15%
FNB Business Check Plus0.10%0.10%$100.00
FNB Non-Personal Check Plus0.10%0.10%$100.00
FNB Premier MMA $1,000.00
$0 - $9,999.990.30%0.30%
$10,000.00 - $24,999.990.35%0.35%
$25,000.00 - $49,999.990.35%0.35%
$50,000.00 - $99,999.990.35%0.35%
$100,000 +0.40%0.40%
FNB Premier MMA - Business $1,000.00
$0 - $9,999.990.10%0.10%
$10,000.00 - $24,999.990.15%0.15%
$25,000.00 - $49,999.990.20%0.20%
$50,000.00 - $99,999.990.25%0.25%
$100,000 +0.30%0.30%
FNB Premier MMA -Public Funds $1,000.00
$0 - $9,999.990.10%0.10%
$10,000.00 - $24,999.990.10%0.10%
$25,000.00 - $49,999.990.15%0.15%
$50,000.00 - $99,999.990.20%0.20%
$100,000 +0.25%0.25%
Savings Accounts
FNB First Savings0.10%0.10%$50.00
Health Savings Account0.10%0.10%$0.01
Christmas Club0.10%0.10%$1.00
Vacation Club0.10%0.10%$1.00

Rates are accurate as of March 18, 2024 and are subject to change at any time. APY = Annual Percentage Yield Fees could reduce earnings on these accounts. Annual percentage yields are based upon quarterly compounding for passbook savings; monthly compounding for Money Market and Interest Bearing Checking Accounts; annual compounding for Christmas and Vacation Club Accounts. There is no minimum balance required to obtain the APY.

Construction Rates

TermRateAPRMonthly Payment
12 Month7.00%9.717%Interest Only

Construction loan rates quoted are for owner-occupied residences, including a minimum 20% down payment/equity position. Higher rates may be applicable for lesser down payment/equity position loans. Annual Percentage Rate (APR) based on representative $155,000 construction loan amount based on a 12 month loan term and includes common and customary closing costs. Please consult one of our Loan Officers for specific details.

For Fixed Rate Mortgage rates, contact a lender! 

Rates require prior FNMA Underwriting Approval for owner-occupied homes, including a minimum 20% down payment/equity position and a loan balance of $185,000 or greater. Higher rates may be applicable for lower loan amounts, cash out refinance, low credit score and higher loan to value ratios. Rates and payments are not guaranteed until lock-in and are subject to change based on possible market fluctuations. Additional rates and programs are available up to 95% of value. The above monthly payments are based on a loan amount of $185,000, with a minimum of 20% down payment/equity position and do not include taxes and insurance premiums so the actual payment obligation will be greater. Please consult one of our Loan Officers for specific details.

Current Adjustable Rate Mortgage (ARM) Rates

Term Rate APR Monthly Payment
 1 Year ARM6.750%7.937%$1,200.60
 3 Year ARM7.000%7.242%$1,231.54
5 Year ARM7.250%7.235%$1,262.79
7 Year ARM7.500%7.790%$1,294.35
10 Year ARM8.000%8.061%$1,358.34

ARM rates quoted are for owner-occupied residences, including a minimum 20% down payment/equity position. Higher rates may be applicable for lesser downpayment loans. Annual Percentage Rate (APR) based on representative $185,000 loan amount with a 30 year amortization and includes common and customary closing costs. Use our Financial Calculators for other terms. Additional rates and programs are available up to 95% of value. Please consult one of our Loan Officers for specific details. Rates are accurate as of March 18, 2024. | More Info

Vehicle Loans

New Vehicles (2022-2023)

 Term Rate APR* Monthly Payment
73-84 months8.625%8.739%$238.55
61-72 months7.325%7.451%$258.13
49-60 months7.125%7.273%$297.95
36-48 months7.000%7.180%$359.24
up to 356.875%7.116%$474.26

*APR=Annual Percentage Rate. The above APR’s and payments are based on a $15,000 loan example and may be different based on your loan amount, credit score, and term. New vehicles require 10% down payment.

Used Vehicles

Year Term Rate APR* Monthly Payment
2020-2021up to 48 months7.50%7.768%$241.83
2017-2019up to 36 months7.75%8.101%$312.26
2016 or olderup to 24 months8.375%8.889%$454.06

*APR=Annual Percentage Rate. The above APR’s and payments are based on a $10,000 loan example and may be different based on your loan amount, credit score, term and model year. Used vehicle loans require 20% down payment. Rates are accurate as of March 18, 2024.