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CDs and IRAs

Certificate of Deposit (CD)

If you are looking for safety as well as a solid rate of return when you invest, consider a First National Bank Certificate of Deposit. We offer a wide range of certificates with various terms and interest rates depending on your investment needs.

  • Open with as little as $1,000
  • Choose maturity from 30 days to 60 months
  • May be setup as single maturity or automatic renewal
  • Higher rates available on balances of $50,000 and over
  • Raise-the-Rate feature on 36 month CD

“Raise-the-Rate” CD

Want a CD with flexibility…check out our 36 month CD with the Raise-the-Rate option. If interest rates go up, tell us you want to take advantage of your one-time Raise-the-Rate option, and you’ll automatically be earning the new higher rate of interest for the remainder of the 36 months. There you go…it’s that easy.

For our current Annual Percentage Yields and rates on CDs call us at (936)327-1234 or (800)324-9279.

Individual Retirement Account (IRA)

You deserve the retirement of your dreams. Let us help you get there with an Individual Retirement Account.

  • Open with as little as $250 for a 12 month maturity or $1,000 for maturity greater than 12 months
  • Maturities range from 12 months to 60 months
  • ROTH IRAs also available
  • FDIC coverage now $250,000 for certain retirement accounts
  • Best of all there’s no application fee, no monthly fee, no annual fee

For our current Annual Percentage Yields and rates on IRAs call us at (936)327-1234 or (800)324-9279.


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