Certificate of Deposit Specials

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  Special rate with $5,000 minimum balance

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  Interest rate is fixed and guaranteed

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  Interest compounded and paid quarterly

Your Initial Deposit

You’ll need $5,000 to complete the online or in-branch application ($10,000 for 5 or 7 Month CD Special).

Required Identification

• A non-expired ID (driver’s license, state-issued ID, Military ID, passport, or Permanent Resident Card and visa)

See our highest CD Special offers

1. Offer 1

   3.90% APY 5 Month,* 3.70% APY 7 Month** or 3.50% APY 13 Month CD Specials***

   5-Month CD: Annual Percentage Yield (APY): The APY is accurate as of September 18, 2025. Open a NEW 5-month Certificate of Deposit (CD) Special with new money and meet the conditions set forth below to receive the promotional APY. APY is subject to change at any time without notice. Offer applies to consumer and business accounts only. To be eligible for the promotional APY of 3.90%, you must meet the following conditions: 1) Make a minimum opening deposit of $10,000, which is not currently held in an FNB account; and 2) Have an existing FNB consumer or business checking account OR open a NEW FNB consumer or business checking account. This promotional rate cannot be combined with other offers. The promotional interest rate is limited to one account per household and is available on account balances of $10,000 up to $250,000. Deposit limitations exist for online funding. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a 5-month CD, and you will earn the base rate of interest in effect at that time for a 3-month CD. Fees could reduce earnings on the account. See the Consumer or Business Fee Schedules, which are available at any FNB branch, for further information on fees applicable to your accounts. This promotional interest rate is not available for public funds. Offer is subject to withdrawal by FNB at any time.

   MEMBER FDIC / NYSE: FNB Offer available in the following states: Pennsylvania, Ohio, West Virginia, North Carolina, South Carolina, Virginia, Maryland, and the District of Columbia.

   **7-Month CD: Annual Percentage Yield (APY): The APY is accurate as of September 18, 2025. Open a NEW 7-month certificate of deposit (CD) special with new money and meet the conditions set forth below to receive the promotional APY. APY is subject to change at any time without notice. Offer applies to consumer and business accounts only. To be eligible for the promotional APY of 3.70%, you must meet the following conditions: 1) Make a minimum opening deposit of $10,000, which is not currently held in an FNB account; and 2) Have an existing First National Bank consumer or business checking account OR open a NEW First National Bank consumer or business checking account. This promotional rate cannot be combined with other offers. The promotional interest rate is limited to one account per household and is available on account balances of $10,000 up to $250,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a 7-month CD, and you will earn the base rate of interest in effect at that time for a 6-month CD. Fees could reduce earnings on the account. See the Consumer or Business Fee Schedules, which are available at any First National Bank branch, for further information on fees applicable to your accounts. This promotional interest rate is not available for public funds. Offer is subject to withdrawal by First National Bank at any time.

   MEMBER FDIC / NYSE: FNB Offer available in the following states: Pennsylvania, Ohio, West Virginia, North Carolina, South Carolina, Virginia, Maryland, and the District of Columbia.

   ***13-Month CD: Annual Percentage Yield (APY): The APY is accurate as of September 18, 2025. Open a NEW 13-month certificate of deposit (CD) special with new money and meet the conditions set forth below to receive the promotional APY. APY is subject to change at any time without notice. Offer applies to consumer and business accounts only. To be eligible for the promotional APY of 3.50%, you must meet the following conditions: 1) Make a minimum opening deposit of $5,000; and 2) Have an existing First National Bank consumer or business checking account OR open a NEW First National Bank consumer or business checking account. This promotional rate cannot be combined with other offers. The promotional interest rate is limited to one account per household and is available on account balances of $5,000 up to $250,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a 13-month CD, and you will earn the base rate of interest in effect at that time for a 12-month CD. Fees could reduce earnings on the account. See the Consumer or Business Fee Schedules, which are available at any First National Bank branch, for further information on fees applicable to your accounts. This promotional interest rate is not available for public funds. Offer is subject to withdrawal by First National Bank at any time.

   MEMBER FDIC / NYSE: FNB Offer available in the following states: Pennsylvania, Ohio, West Virginia, North Carolina, South Carolina, Virginia, Maryland, and the District of Columbia.

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