Certificates & IRAs

Complement your savings strategy with an account that supports short or long-term plans.  

Find your savings strategy.

Certificate of Deposit

A great fit for:

  • Savers looking to maximize their yield
  • $2,000 minimum to open
  • Terms range from 30 days to 5 years
  • Competitive interest rates set according to amount and term
  • Receive your interest by direct deposit into any First National account or by a monthly, quarterly, semi-annual or annual check
  • Automatic renewal available on select CDs

 

3.97% APY*  9 Month CD 

4.25% APY*  36 Months CD with 1x Bump** 

*Annual Percentage Yields (APYs) stated effective 08/18/26; offer subject to change at any time. Minimum opening deposit is $10,000. APY assumes interest will remain on deposit until maturity. **You may exercise a one-time rate bump during the CD term, the new rate will be determined by the book rate for a 36 month CD and effective for the remaining CD term. Early withdrawal penalties may apply. Not available to financial institutions or public funds. Fees could reduce the earnings on the account. Member FDIC. 

IRAs

A great fit for:

  • Anyone saving for retirement

Invest in your financial future by securely saving for retirement*. It’s never too early to start. 

  • Traditional IRAs 
  • Roth IRAs 
  • 401(k) Rollover  
  • Simplified Employee Pension Plans (SEP). 

*Subject to IRS requirements

Coverdell Education Savings

A great fit for:

  • Anyone saving for education

Open a tax-advantaged savings account for education-related expenses. 

  • Tax-deferred earnings 
  • Tax-free qualified withdrawals 
  • Both relatives and friends may make contributions. 

Personal Loans

Get the cash you need to keep moving forward. 

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Mortgage Loans

Starter home, second home or your “forever home” – whatever it may be, we can help you call it home with affordable fixed-rate and adjustable-rate mortgages. 

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Cash Management Services

Save time and boost efficiency. Use our cash management services to expedite payment processing and simplify cash flow procedures. 

Additional Services