Certificates of Deposit (CDs)

Maximize your interest rate and enjoy the security of FDIC insurance while saving for a set period of time.

  • $500 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

15-month CD Special at 2.10% APY*

30-month CD Special at 2.40% APY*

*Annual Percentage Yield (APY) is effective as of 08/06/19; offer is subject to change at any time. Minimum opening deposit of $1,000 for 15 and 30 month specials. The APY assumes principal and interest remain on deposit for the term of the certificate.  Early withdrawal penalties may apply.  Not available to financial institutions or public funds. Fees could reduce the earnings on the account. 

Take a complimentary 2019 Heritage Club Day Trip with us!

Customers who open a Certificate of Deposit with $50,000 or more in new money for a term of 12 months or longer are eligible for the cost of a 2019 Heritage Club Day Trip to be waived. The deadline to sign up for the latest 2019 day trip is October 4th, 2019. View the trip list

Individual Retirement Accounts (IRAs)

Invest in your financial future while saving with an account that will help you safely prepare for retirement. Options include: Traditional IRAs, Roth IRAs, 401(k) Rollover and Simplified Employee Pension Plans (SEP).

  • Tax-deferred earnings
  • Tax-free qualified withdrawals

Coverdell Education Savings

Set money aside for education-related expenses in an account that offers tax advantages.

  • Tax-deferred earnings
  • Tax-free qualified withdrawals
  • Lenient contribution requirements – both relatives and friends may give to the account

Please talk with a representative for fee schedule.