Interest Rates
Effective as of 08/29/2025
Contact the bank for CD Specials
| Interest Rate | *APY | |
|---|---|---|
| Super NOW Account1 | 0.02% | 0.02% |
| Money Market Accounts2 | ||
| $1.00 – $2,499.00 | 0.20% | 0.20% |
| $2,500.00 – $9,999.00 | 0.20% | 0.20% |
| $10,000.00 – $24,999.00 | 0.30% | 0.30% |
| $25,000.00 – $99,999.99 | 0.40% | 0.40% |
| $100,000.00 – $999,999.999.99 | 0.40% | 0.40% |
| Savings Accounts | ||
| Savings3 | 0.10% | 0.10% |
| Youth Savings4 | 0.10% | 0.10% |
| Club Accounts | ||
| Christmas Club5 | 0.15% | 0.15% |
| Certificate of Deposits6 | ||
| 3 Month Certificate | 0.05% | 0.05% |
| 6 Month Certificate | 1.49% | 1.50% |
| 12 Month Certificate | 1.49% | 1.50% |
| 18 Month Certificate | 0.20% | 0.20% |
| 24 Month Certificate | 0.25% | 0.25% |
| 30 Month Certificate | 0.40% | 0.40% |
| 36 Month Certificate | 0.50% | 0.50% |
| 48 Month Certificate | 0.75% | 0.75% |
| 60 Month Certificate | 0.85% | 0.85% |
NOTE: Each respective account is subject to the disclosures and requirements related directly to that account type. Minimum balance restrictions, minimum opening deposit restrictions, closing fees, dormant fees, and early withdrawal penalties may apply. Rates subject to change without notice. Call FNB at (618) 357-9393 for most up-to-date interest rates.
*APY means Annual Percentage Yield. APYs are in effect as of 08/29/2025. Please note that account fees may reduce earnings.
Account-specific disclosures:
1 Super Now Accounts: APY applies to average daily account balances of greater than or equal to $1.00. Rates are variable and may change at any time. Minimum deposit required to open the account is $100.00. There is a $10.00 maintenance fee for balance below $1,000.00. Super NOW Accounts are not available to partnerships, corporations, and other for-profit organizations, etc. Terms and conditions of this offer may change at any time.
2 Money Market Accounts: APYs apply to average daily account balances of greater than or equal to $1.00. Rates are variable and may change at any time. Minimum deposit required to open the account is $1,000.00. There is a $10.00 maintenance fee for balance below $1,000.00. Terms and conditions of this offer may change at any time.
3 Savings Accounts: APYs apply to average daily account balances of greater than or equal to $0.01. Rates are variable and may change at any time. Minimum deposit required to open Savings is $100.00. Withdrawals are limited to nine per statement cycle. Additional withdrawals will incur a fee of $1.00 per item. Accounts with an average daily balance of greater than or equal to $1,000.00 will incur no charge for withdrawals. Savings accounts will incur a $10.00 maintenance fee for average daily balances below $100.00. Terms and conditions of this offer may change at any time.
4 Youth Savings Accounts: APYs apply to average daily account balances of greater than or equal to $0.01. Rates are variable and may change at any time. Minimum deposit required to open Youth Savings is $50.00. Withdrawals are limited to nine per statement cycle. Additional withdrawals will incur a fee of $1.00 per item. Accounts with an average daily balance of greater than or equal to $1,000.00 will incur no charge for withdrawals. Youth Savings accounts will incur a $10.00 maintenance fee for average daily balances below $50.00. Terms and conditions of this offer may change at any time.
5 Christmas Club Accounts: APYs apply to average daily account balances of greater than or equal to $0.01. Rates are variable and may change at any time. Minimum Deposit required to open is $5.00. A penalty of $5.00 per withdrawal will be incurred for early withdrawals. Terms and conditions of this offer may change at any time.
6 Certificates of Deposit: A minimum deposit of $500.00 is required to open a CD. To earn the annual percentage yield shown, your entire balance must remain on deposit until maturity. A substantial penalty may be imposed for early withdrawal; this fee could reduce earnings and invade principal. Interest rate is fixed for term of certificate.