Search Button Select a Language Login MENU Home / Deposit Rates INTEREST RATES Certificates of Deposits Effective July 7, 2021 ADD IT UP CD $100 Minimum $1,000 Minimum $15,000 Minimum $30,000 Minimum Term Interest Rate APY Interest Rate APY Interest Rate APY Interest Rate APY 24 Months .01% .01% .25% .25% .30% .30% .35% .35% $1,000 Minimum $15,000 Minimum $30,000 Minimum Term Interest Rate APY Interest Rate APY Interest Rate APY 6 Months .10% .10% .15% .15% .20% .20% 1 Year .15% .15% .20% .20% .25% .25% 11/2 Years .20% .20% .25% .25% .30% .30% 2 Years .25% .25% .30% .30% .35% .35% 3 Years .35% .35% .40% .40% .45% .45% 4 Years .45% .45% .50% .50% .55% .55% 5 Years .55% .55% .60% .60% .65% .65% CD Specials Term Minimum Deposit Interest Rate APY - - - - - - - - - - - - 7 Months $10,000 .20% .20% 7 Months $25,000 .25% .25% 17 Months $10,000 .30% .30% 17 Months $25,000 .35% .35% IRA Savings** Minimum Deposit Interest Rate APY $0 .25% .25% $5,000 .25% .25% $25,000 .35% .35% $100,000 .45% .45% **Each IRA depositor is insured to $250,000 by the Federal Deposit Insurance Corporation Checking and Savings Name Minimum Interest Rate APY Savings** $0 .05% .05% Kids First Savings** $0 .05% .05% Money Market** $0 .10% .10% $10,000 .10% .10% $25,000 .15% .15% $100,000 .20% .20% $250,000 .20% .20% Personal Checking w/Int.** $500 .02% .02% Premier Checking** $2,500 .05% .05% Health Savings** $0 .05% .05% $5,000 .10% .10% First Point Checking $0 .07% .07% Commercial Checking w/Int.** $0 .05% .05% The standard FDIC deposit insurance amount is $250,000 per depositor. Visit www.FDIC.gov for more information. Click here to calculate what's insured and what portion (if any) exceeds coverage limits at the bank. - **Annual Percentage Yields (APY) and rates may change after an account is opened - Substantial penalty for early withdrawal of Certificates of Deposit - Fees could reduce the earnings on interest bearing accounts How Can We Help? Call us at 515-232-5561 Email Us Open Account Apply for a Loan Find a branch near you Career Opportunities Switch to FNB PROUDLY SERVING, AMES, ANKENY, JOHNSTON, OSCEOLA, VALLEY JUNCTION AND WEST DES MOINES Facebook YouTube 515-232-5561 Routing Number - 073902274 Personal Business Wealth Solutions Education Center FAQs About Us Contact us Locations/ATMS Deposit Rates Calculators Open Account Apply for a Loan Download Mobile App Order Checks Privacy Policy Copyright © 2021 First National Bank. All Rights Reserved. Site by Spinutech