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% Annual Percentage Yield*  9 Month CD 

4.25% Annual Percentage Yield*  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. Early withdrawal penalties may apply. Not available to financial institutions or public funds. Fees could reduce the earnings on the account.**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.  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. 

*Consult with a tax professional

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