F.N.B. offers a variety of banking products and services, including checking accounts, savings accounts, mortgages, loans, wealth management, and insurance. The bank also has an online and mobile banking presence. Our only complaint is that their website feels more like a web store that’s difficult to navigate. Finding an entire list of term options and rates took some time.
With that being said, F N.B. offers especially competitive interest rates and many favorable terms and promotions for its CD and Money Market savings options.
The chart below lists their consumer CD options. Always verify rates and promotions with the bank.
First National Bank Certificate of Deposit Terms & Requirements
First National Bank only serves residents of Pennsylvania, Ohio, Maryland, Washington DC, Virginia, North Carolina, South Carolina, and West Virginia.
- Account opening: You can open a CD account online or in-branch. You must provide your name, address, Social Security number, and date of birth. You must also provide a valid form of identification, such as a driver’s license or passport.
- Minimum deposit: The minimum deposit to open a CD account is $100.
- Term length: Certificate of Deposit terms range from 3 to 60 months.
- Interest rate: The interest rate for a CD account is fixed for the term of the account. The interest rate is determined by the current market rates and the term length of the CD.
- Interest payment: Interest on a CD account is compounded quarterly. There are multiple options to collect interest earned.Early withdrawal penalties: If you close your CD account before the term ends, there is an early withdrawal penalty. The penalty amount is typically a
percentage of the interest earned.
Qualification Requirements
Here are what you need to qualify for opening a CD account at First National Bank:
- Residential status: To open a CD account, you must be a resident of Pennsylvania, Ohio, Maryland, Washington DC, Virginia, North Carolina, South Carolina, or West Virginia.
- Citizenship: To open a CD account, you must be a U.S. citizen or Permanent Resident.
- Eligibility: You must be 18 years old to open a CD account.
- A non-expired ID: Driver’s license, state-issued ID, Military ID, passport, or Permanent Resident Card and visa.
Please note that these terms and requirements are subject to change. For the most up-to-date information, you should always check with First National Bank of Pennsylvania.
State Availability
Available -
Maryland,
North Carolina,
Ohio,
Pennsylvania,
South Carolina,
Virginia,
West Virginia
Not Available -
Alabama,
Alaska,
Arizona,
Arkansas,
California,
Colorado,
Connecticut,
Delaware,
Florida,
Georgia,
Hawaii,
Idaho,
Illinois,
Indiana,
Iowa,
Kansas,
Kentucky,
Louisiana,
Maine,
Massachusetts,
Michigan,
Minnesota,
Mississippi,
Missouri,
Montana,
Nebraska,
Nevada,
New Hampshire,
New Jersey,
New Mexico,
New York,
North Dakota,
Oklahoma,
Oregon,
Rhode Island,
South Dakota,
Tennessee,
Texas,
Utah,
Vermont,
Washington,
Wisconsin,
Wyoming