First National Bank (FNB) CD Rates — October 2026
As of October 22, 2026, First National Bank (FNB)'s highest CD rate is 4.15% APY on a 13-month promotional CD ($5,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
First National Bank (FNB) CD rates
Rates below are FNB's CD Specials, offered in all of its states (PA, OH, WV, NC, SC, VA, MD and DC). They require new money and an existing or new FNB checking account, are limited to one account per household, and apply to balances up to $250,000. Other CD terms are not listed.
| Term | Product | APY |
|---|---|---|
| 5 months | CD Special Promotional | 3.00%Verified October 22, 2026 |
| 7 months | CD Special Promotional | 3.75%Verified October 22, 2026 |
| 13 months | CD Special Promotional | 4.15%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are First National Bank (FNB)'s best CD rates by term?
First National Bank (FNB)'s best rate is 4.15% APY on 13 months, verified October 22, 2026.
- 5 mo3.00%
- 7 mo3.75%
- 13 mo4.15%
How much interest could a First National Bank (FNB) CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 13 months | $224.934.15% APY · CD Special · Promotional | $449.874.15% APY · CD Special · Promotional | $1,124.674.15% APY · CD Special · Promotional | $2,249.334.15% APY · CD Special · Promotional |
How First National Bank (FNB) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 9 of 22 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| First National Bank (FNB) (this institution)CD Special · Promotional | 13 months | $5,000 | Coverage: DC, MD, NC, OH, PA, SC, VA, WV | 4.15% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility) (highest tracked APY for this term)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 13 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First National Bank (FNB) on October 22, 2026.
About First National Bank (FNB)
- Legal name
- First National Bank of Pennsylvania
- Regulator ID
- FDIC 7888
- Headquarters
- Greenville, PA
- Available in
- DC, MD, NC, OH, PA, SC, VA, WV
- Total assets
- $50.8 billion
- Also known as
- FNB, F.N.B., First National Bank of Pennsylvania
- Website
- www.fnb-online.com
Source: rates read from https://www.fnb-online.com/personal/checking-savings/savings/certificate-of-deposit-specials. See the page text we read.
Frequently asked questions
What is the highest CD rate at First National Bank (FNB)?
4.15% APY on a 13-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a First National Bank (FNB) CD?
The lowest minimum we found is $5,000; jumbo and higher balance tiers start at up to $10,000.
How does First National Bank (FNB)'s best CD rate compare with Treasury yields?
4.15% APY is −0.45% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.15% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are First National Bank (FNB) CDs insured?
First National Bank (FNB) is an FDIC-insured bank (FDIC 7888). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First National Bank (FNB)'s rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from First National Bank (FNB)'s website and may change at any time. Confirm terms, minimums and eligibility with First National Bank (FNB) before opening an account. This page is not financial advice.