Certificates of Deposit

Current CD Rates:

Deposit Term Minimum Balance* Interest Rate Compounded APY**
3 Month $1000 0.80% Simple 0.80%
6 Month $1000 1.00% Simple 1.00%
12 Month $500 1.29% Quarterly 1.30%
18 Month $500 1.34% Quarterly 1.35%
30 Month $500 1.94% Quarterly 1.95%
48 Month $500 2.23% Quarterly 2.25%
9 Month Special $5000 1.34% Quarterly 1.35%

*The minimum balance required to open an account and obtain the annual percentage yield stated.
**Annual Percentage Yield (APY).
A penalty may be imposed for early withdrawal.
Annual percentage yields are accurate as of today’s date.

Minimum Balances

The following minimum balances are required to open the account and obtain the annual percentage yield stated:

3 and 6 month $1,000
9 month special $5,000
12, 18, 30, 48 month $500

Early Withdrawal

The following penalty may be imposed for early withdrawal:

12 month and under 3 months of interest
Over 12 month term 6 months of interest

Individual Retirement Accounts (IRAs):

First National Bank offers several types of IRAs that make saving for retirement easier. Our Traditional IRAs, Roth IRAs and Education IRAs can be invested in our certificates of deposits which are FDIC insured.

Please stop in or call our customer service to find out more details.

Saving and Checking Accounts

Account Type Minimum Balance* Interest Rate Compounded APY**
Savings $200 0.25% Daily 0.25%*
Money Market Savings $2500 0.50% Monthly 0.50%*
Heywood Money Market Savings (3 tiers) $10,000-49,999
$50,000-99,999
$100,000 and over		 0.85%
1.04%
1.29%		 Monthly
Monthly
Monthly		 0.85%*
1.05%*
1.30%*
Interest Checking $500 0.10% Monthly 0.10%*

Annual percentage yields are accurate as of today’s date.
*The rates may change after the account is opened.
Fees could reduce the earnings on the account.
**Annual Percentage Yield (APY).
Member FDIC

Rates are effective 1/6/2010 and are subject to change.
For additional information please call 507-645-5656 or 507-664-0820.