Rates

Certificate Rates are effective as of 12/1/2013.

Fixed Rate Certificate of Deposit (CD)*
APY = Annual Percentage Yield
*Substantial Penalty for Early Withdrawal

 
Minimum to Open
Interest Rate
APY
3 Month Term $2,500 0.10% 0.10%
6 Month Term $2,500 0.15% 0.15%
12 Month Term $1,000 0.30% 0.30%
18 Month Term $1,000 0.40% 0.40%
24 Month Term $1,000 0.45% 0.45%
30 Month Term $1,000 0.60% 0.60%
36 Month Term $1,000 0.65% 0.65%
48 Month Term $1,000 0.85% 0.85%
60 Month Term $1,000 1.10% 1.11%
11 Month Term "Sprout" CD for Children $25 0.30% 0.30%
35 Month Term "Sprout" CD for Children $25 0.65% 0.65%
59 Month Term "Sprout" CD for Children $25 1.10% 1.11%

For additional disclosure information, contact 217-229-3701.



Deposit rates are effective as of 12/1/2013.


For additional disclosure information, contact FNB at 217-229-3701

Fixed Rate Individual Retirement Account (IRA)*
APY = Annual Percentage Yield
*Substantial Penalty for Early Withdrawal May Apply

18, 24 and 36 month terms are available.  Please contact FNB at 217-229-3701.



Roth Individual Retirement Account (IRA)*
APY = Annual Percentage Yield
*Substantial Penalty for Early Withdrawal May Apply

 
Minimum to Open
Interest Rate
APY
18 Month Term $100 0.40% 0.40%



Coverdell Education Savings Account*
APY = Annual Percentage Yield
*Substantial Penalty for Early Withdrawal May Apply

 
Minimum to Open
Interest Rate
APY
18 Month Term $100 0.50% 0.50%

For additional disclosure information, contact FNB at 217-229-3701


Interest Bearing Checking* **


APY = Annual Percentage Yield
**These checking accounts are variable rate accounts; the rates and APYs may change after the account is opened. Fees could reduce the earnings on the accounts.
****Ownership restrictions apply to some commercial entities.



NOW Checking

 
Minimum to Open
Interest Rate
APY
Balances between .01 - $19,999.99 $1,500 0.10% 0.10%
Balances between $20,000 - $49,999.99 $1,500 0.10% 0.10%
Balances between $50,000 - $99,999.99 $1,500 0.10% 0.10%
Balances between $100,000 - $199,999.99 $1,500 0.15% 0.15%
Balances between $200,000 - $499,999.99 $1,500 0.20% 0.20%
Balances $500,000 and above $1,500 0.20% 0.20%



Money Market Deposit (MMDA)

 
Minimum to Open
Interest Rate
APY
Balances between .01 - $19,999.99 $2,500 0.10% 0.10%
Balances between $20,000 - $49,999.99 $2,500 0.10% 0.10%
Balances between $50,000 - $99,999.99 $2,500 0.10% 0.10%
Balances between $100,000 - $199,999.99 $2,500 0.15% 0.15%
Balances between $200,000 - $499,999.99 $2,500 0.20% 0.20%
Balances $500,000 and above $2,500 0.20% 0.20%

For additional disclosure information, contact 217-229-3701



Savings*
APY = Annual Percentage Yield
*These savings accounts are variable rate accounts; the rates and APYs may change after the account is opened. Fees could reduce the earnings on these accounts.

 
Minimum to Open
Interest Rate
APY
Statement Savings $50.00 0.10% 0.10%
Christmas Club $2.00 0.10% 0.10%

For additional disclosure information, contact 217-229-3701