# First National Bank (FNB) CD rates

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%).

Canonical page: https://apyledger.com/cd-rates/first-national-bank-of-pennsylvania
Institution: First National Bank of Pennsylvania (FDIC 7888)
Aliases: FNB, F.N.B., First National Bank of Pennsylvania
Status: live
Last verified: 2026-10-22T11:05:44.000Z (October 22, 2026)
Official source: https://www.fnb-online.com/personal/checking-savings/savings/certificate-of-deposit-specials
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD Special | promotional | 5 months | $10,000 | 3.00% | Not ZIP-priced | −1.39% | 2026-10-22T11:05:44.000Z | [Snapshot 248](https://apyledger.com/snapshots/248) |
| CD Special | promotional | 7 months | $10,000 | 3.75% | Not ZIP-priced | −0.68% | 2026-10-22T11:05:44.000Z | [Snapshot 248](https://apyledger.com/snapshots/248) |
| CD Special | promotional | 13 months | $5,000 | 4.15% | Not ZIP-priced | −0.45% | 2026-10-22T11:05:44.000Z | [Snapshot 248](https://apyledger.com/snapshots/248) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.