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Certificate of Deposit Specials

Save for a rainy day. Or a really sunny week at the beach.

Save more with a Certificate of Deposit (CD) Special at FNB. We have multiple terms available to fit your saving needs, with better rates than our regular CDs. Take advantage of promotional CD rates and boost your saving power for the future, no matter how near or far.

To Apply Now or Schedule an Appointment:

Big rates for your big plans.

Piggy Bank

Choose from competitive rates starting at
4.25% APY for 5 Months* or 4.15% APY for 7 Months**

Apply today. *View Disclosures.

    • Stack of Money

      Special rate with $5,000 minimum balance

    • Lock

      Interest rate is fixed and guaranteed

    • Calendar

      Interest compounded and paid quarterly

  • Take advantage of attractive promotional rates with our Special CDs.

    With CDs, you commit to investing your money for a set period of time and we commit to a fixed interest rate1. Your money will earn guaranteed rates for a fixed period of time. You select a term that meets your individual investment goals. With a Special CD from FNB you'll get the benefit of an even more attractive rate.

    Key Account Details:

    • Choose from seven different terms (5-months, 7-months, 13-months, 19-months, 25-months, 35-months, 52-months, and 61-months); select your term when opening the account
    • Earn a fixed interest rate for the term of your CD
    • Interest is compounded and paid to you quarterly
    • Interest can be credited back to your certificate of deposit, paid to you by check, or credited to another FNB account
    • $5,000 minimum deposit required

    Convenient Online Access:

    • Fast and free Online Banking, Mobile Banking and Telephone Banking2
    Interest Rates Please enter a Zip Code to view rates in your area.

  • 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

      4.25% APY 5 Month,* 4.15% APY 7 Month** or 4.00% APY 13 Month CD Specials***

      5-Month CD: Annual Percentage Yield (APY): The APY is accurate as of November 14, 2024. 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 4.25%, 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 October 24, 2024. 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 4.15%, 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 October 1, 2024. 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 4.00%, 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.

      Learn More

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Notices & Disclosures
1 - Early withdrawal penalties may apply
2 - Online Banking, Bill Pay, Mobile Banking and Telephone Banking are free to customers with an eligible account; however, there may be a fee for certain optional services. Mobile data and carrier fees may apply. 

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