Certificates of Deposit (CDs) are a great way to save and receive high yielding benefits.

A CD is a special type of deposit account which typically offers a higher rate of interest than regular savings accounts. When you invest in a CD, you lock in your savings for a particular length of time. If you withdraw your funds early, you pay a penalty.

FNB offers several CDs allowing you the opportunity to choose the term that works best for you. Contact one our Customer Service Representatives for current CD terms and rates

  • Minimum deposits range from $500-$1,000
  • Terms range from 91 days to 60 months
  • You choose how to receive interest earned


The Liquid CD is perfect for those who want to maintain a higher rate of return while maintaining the ability to access their money on a monthly basis.

  • Minimum $2,500 to open a Liquid CD
  • 2 withdrawals per month are allowed
  • Rate is guaranteed until the first day of the calendar quarter following the opening of the account
  • Pays premium tiered interest rate
  • Available to individuals or businesses
  • Contact a Customer Service Representative for current interest rate and annual percentage yield

The interest rate and annual percentage yield may change and the rate may change each quarter. You must maintain a balance of $2,500 to obtain the annual percentage yield and avoid the $10 monthly service charge. If you exceed 2 withdrawals per month, there is a $20 charge per withdrawal.


A Traditional IRA is a personal savings plan that gives you tax advantages for setting aside money for retirement. These advantages include the potential for tax-deductible contributions, the potential for a tax credit, and the potential for tax-deferred growth. Contact one of our Customer Service Representatives for terms, rate, and additional information.

  • FNB Bank offers a variety of IRA terms from 12 months to 60 months.
  • Minimum deposits range from $100-$1,000.
  • If you earned income during the year and you will not reach age 70½ by the end of the year, you can open a Traditional IRA.
  • The annual contribution limit will vary by age and year.
  • You can open a Traditional IRA regardless if you are covered by another retirement plan or not.
  • The accumulated interest is not taxed until the funds are withdrawn.
  • When you reach the age of 59½, you can withdraw the funds penalty-free.
  • Penalty-free withdrawals may be used to pay for educational expenses.


The Roth IRA provides no deduction for contributions, but instead provides a benefit that isn't available with any other form of retirement savings.

If you meet certain requirements, all earnings are tax free when you or your beneficiary withdraws them. Other benefits include avoiding the early distribution penalty on certain withdrawals, and eliminating the need to take minimum distributions after age 70½. Contact one of our Customer Service Representatives for terms, rate, and additional information.

  • You can establish a Roth IRA by making a regular contribution to a Roth IRA or by converting a traditional IRA to a Roth IRA.
  • You may be eligible to make a regular contribution to a Roth IRA even if you participate in a retirement plan maintained by your employer.
  • The annual contribution limit will vary by age and year.
  • In order to be eligible to contribute to the Roth IRA, you or your spouse must have compensation or alimony income equal to the amount contributed. In addition, your modified adjusted gross income can't exceed certain limits.
  • The chief reason is that the Roth IRA is effectively bigger than a regular IRA because it holds after-tax dollars. If you can take advantage of this feature of the Roth IRA by maximizing your contributions you'll add greater tax leverage to your retirement savings.
  • One significant advantage to a Roth IRA is that the minimum distribution rules don't apply. If you're able to live on other resources after retirement, you don't have to draw on your Roth IRA at age 70½. That means your earnings continue to grow tax-free.
  • The other big advantage is the ability to take certain early distributions without paying the early distribution penalty. The Roth IRA makes it easier to keep your money in, and also easier to take your money out.