FNBT DEPOSIT ACCOUNT RATES
All rates effective as of November 9, 2023
| CERTIFICATES OF DEPOSIT |
| Term |
Interest Rate |
Annual Percentage Yield (APY) |
| 3 Month |
0.25% |
0.25% |
| 6 Month |
0.30% |
0.30% |
| 7 Month |
2.15% |
2.17% |
| *9 Month - Special Rate* |
4.85% |
4.96% |
| 11 Month |
2.45% |
2.48% |
| 12 Month |
0.40% |
0.40% |
| 13 Month |
0.45% |
0.45% |
| 15 Month |
0.45% |
0.45% |
| 18 Month |
0.50% |
0.50% |
| 24 Month |
0.65% |
0.65% |
| *30 Month - Special Rate* |
3.50% |
3.56% |
| 36 Month |
0.80% |
0.80% |
| 48 Month |
0.90% |
0.90% |
| 60 Month |
1.10% |
1.11% |
CD Notes:
(a) Minimum Deposit of $1,000.00 required to open and Minimum Daily Balance of $1,000.00 required to obtain APY.
(b) A penalty may be imposed for early withdrawal.
(c) Daily Balance: The amount of principal in the account each day.
(d) Average Daily Balance: A periodic rate is applied to the average daily balance in the account for the period. The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
| NOW Checking |
| Minimum Balance |
Interest Rate |
Annual Percentage Yield (APY) |
| $500 |
0.20% |
0.20% |
NOW Checking Notes:
(a) Minimum Daily Balance required to obtain APY.
(b) Daily Balance: The amount of principal in the account each day.
(c) Average Daily Balance: A periodic rate is applied to the average daily balance in the account for the period. The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
(d) The interest rate and average percentage yield may change after account opening.
(e) Fees could reduce the earnings on the account.
| SUPER NOW Checking |
| Minimum Balance |
Interest Rate |
Annual Percentage Yield (APY) |
| $2,500.00-$4,999.99 |
0.20% |
0.20% |
| $5,000.00-$9,999.99 |
0.30% |
0.30% |
| $10,000.00-$24,999.99 |
0.40% |
0.40% |
| $25,000.00 plus |
0.50% |
0.50% |
SUPER NOW Checking Notes:
(a) Minimum Daily Balance required to obtain APY.
(b) Daily Balance: The amount of principal in the account each day.
(c) Average Daily Balance: A periodic rate is applied to the average daily balance in the account for the period. The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
(d) The interest rate and average percentage yield may change after account opening.
| Money Market Deposit Account |
| Minimum Balance |
Interest Rate |
Annual Percentage Yield (APY) |
| $2,500 |
0.50% |
0.50% |
Money Market Deposit Account Notes:
(a) Minimum Daily Balance required to obtain APY.
(b) Daily Balance: The amount of principal in the account each day.
(c) Average Daily Balance: A periodic rate is applied to the average daily balance in the account for the period. The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
(d) The interest rate and average percentage yield may change after account opening.
| Savings Accounts |
| Account |
Minimum Balance |
Interest Rate |
Annual Percentage Yield (APY) |
| Savings * + |
$100 |
0.35% |
0.35% |
| Individual Retirement Acct (IRA) * ++ |
$100 |
0.35% |
0.35% |
| Student Savings ** |
$10 |
0.35% |
0.35% |
| Christmas Club |
$5 |
0.35% |
0.35% |
Savings Accounts Notes:
* The interest rate and average percentage yield may change after account opening.
+ Fees could reduce the earnings on the account.
++ Minimum Daily Balance required to obtain APY.
** For customers under age of 19