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Current Rates

Certificates Of Deposit

CD Terms	Minimum to Open	Interest Rate	Annual Percentage Yield
3 Months	$1,000	3.00%	3.03%
6 Months	$1,000	4.05%	4.11%
12 Months	$1,000	3.85%	3.91%
15 Months	$1,000	1.25%	1.26%
17 Months	$1,000	3.25%	3.29%
24 Months	$1,000	3.70%	3.75%
33 Months	$1,000	3.20%	3.24%
34 Months	$1,000	2.75%	2.78%
36 Months	$1,000	3.50%	3.55%
48 Months	$1,000	3.40%	3.44%
60 Months	$1,000	3.30%	3.34%

CD Terms Minimum to Open Interest Rate Annual Percentage Yield

3 Months $1,000 3.00% 3.03%
6 Months $1,000 4.05% 4.11%
12 Months $1,000 3.85% 3.91%
15 Months $1,000 1.25% 1.26%
17 Months $1,000 3.25% 3.29%
24 Months $1,000 3.70% 3.75%
33 Months $1,000 3.20% 3.24%
34 Months $1,000 2.75% 2.78%
36 Months $1,000 3.50% 3.55%
48 Months $1,000 3.40% 3.44%
60 Months $1,000 3.30% 3.34%

Rates are accurate as of May 1, 2025 and are subject to change at any time. A penalty may be imposed for early withdrawal. Annual percentage yields are based upon quarterly compounding. The minimum to open is the minimum balance required to obtain the APY.

IRA Rates

Term	Rate	Annual Percentage Yield
18-Month IRA	3.50%	3.56%
$250.00 minimum		Variable Rate Compounded Monthly
Effective 03-03-2025

The annual percentage yield for the Variable Rate IRA may change after the account is opened. Fixed Rate IRAs – same as our current CD rates

Checking and Savings Rates

Account Type	Interest Rate	Annual Percentage Yield	Minimum Opening Requirement
Checking Accounts
Check Plus Checking			$25.00
$0 - $1,999.99	0.05%	0.05%
$2,000.00 - $9,999.99	0.10%	0.10%
$10,000.00 - $24,999.99	0.10%	0.10%
$25,000.00 - $74,999.99	0.10%	0.10%
$75,000 +	0.10%	0.10%
Classic 55 Checking			$100.00
$0 - $49,999.99	0.10%	0.10%
$50,000+	0.15%	0.15%
FNB Business Check Plus	0.10%	0.10%	$100.00
FNB Non-Personal Check Plus	0.10%	0.10%	$100.00
FNB Premier MMA			$1,000.00
$0 - $9,999.99	0.30%	0.30%
$10,000.00 - $24,999.99	0.35%	0.35%
$25,000.00 - $49,999.99	0.35%	0.35%
$50,000.00 - $99,999.99	0.35%	0.35%
$100,000 +	0.40%	0.40%
FNB Premier MMA - Business			$1,000.00
$0 - $9,999.99	0.10%	0.10%
$10,000.00 - $24,999.99	0.15%	0.15%
$25,000.00 - $49,999.99	0.20%	0.20%
$50,000.00 - $99,999.99	0.25%	0.25%
$100,000 +	0.30%	0.30%
FNB Premier MMA -Public Funds			$1,000.00
$0 - $9,999.99	0.10%	0.10%
$10,000.00 - $24,999.99	0.10%	0.10%
$25,000.00 - $49,999.99	0.15%	0.15%
$50,000.00 - $99,999.99	0.20%	0.20%
$100,000 +	0.25%	0.25%
Savings Accounts
FNB First Savings	0.10%	0.10%	$50.00
Health Savings Account	0.10%	0.10%	$0.01
Christmas Club	0.10%	0.10%	$1.00
Vacation Club	0.10%	0.10%	$1.00

Rates are accurate as of May 1, 2025 and are subject to change at any time. APY = Annual Percentage Yield Fees could reduce earnings on these accounts. Annual percentage yields are based upon quarterly compounding for passbook savings; monthly compounding for Money Market and Interest Bearing Checking Accounts; annual compounding for Christmas and Vacation Club Accounts. There is no minimum balance required to obtain the APY.

Construction Rates

Term	Rate	APR	Monthly Payment
12 Month	5.90%	8.595%	Interest only
5/30 ARM (Single-Close)	6.90%	7.097%	Interest only for the first 12 months

Construction loan rates quoted are for owner-occupied residences, including a minimum 20% down payment/equity position. Higher rates may be applicable for lesser down payment/equity position loans. Annual Percentage Rate (APR) based on representative $155,000 construction loan amount based on a 12 month loan term and includes common and customary closing costs. Please consult one of our Loan Officers for specific details.

For Fixed Rate Mortgage rates, contact a lender!

Rates require prior FNMA Underwriting Approval for owner-occupied homes, including a minimum 20% down payment/equity position and a loan balance of $185,000 or greater. Higher rates may be applicable for lower loan amounts, cash out refinance, low credit score and higher loan to value ratios. Rates and payments are not guaranteed until lock-in and are subject to change based on possible market fluctuations. Additional rates and programs are available up to 95% of value. The above monthly payments are based on a loan amount of $185,000, with a minimum of 20% down payment/equity position and do not include taxes and insurance premiums so the actual payment obligation will be greater. Please consult one of our Loan Officers for specific details.

Current Adjustable Rate Mortgage (ARM) Rates

Term	Rate	APR	Monthly Payment
1 Year ARM	6.500%	7.009%	$1,169.90
3 Year ARM	6.750%	6.806%	$1,200.51
5 Year ARM	7.250%	7.160%	$1,262.69
7 Year ARM	7.500%	7.325%	$1,294.24
10 Year ARM	8.000%	7.747%	$1,358.22

ARM rates quoted are for owner-occupied residences, including a minimum 20% down payment/equity position. Higher rates may be applicable for lesser downpayment loans. Annual Percentage Rate (APR) based on representative $185,000 loan amount with a 30 year amortization and includes common and customary closing costs. Use our Financial Calculators for other terms. Additional rates and programs are available up to 95% of value. Please consult one of our Loan Officers for specific details. Rates are accurate as of May 1, 2025. | More Info

Vehicle Loans

New Vehicles (2024-2025)

Term	Rate	APR*	Monthly Payment
73-84 months	8.625%	8.739%	$238.55
61-72 months	7.325%	7.451%	$258.13
49-60 months	7.125%	7.273%	$297.95
36-48 months	7.000%	7.180%	$359.24
up to 35	6.875%	7.116%	$474.26

*APR=Annual Percentage Rate. The above APR’s and payments are based on a $15,000 loan example and may be different based on your loan amount, credit score, and term. New vehicles require 10% down payment.

Used Vehicles

Year	Term	Rate	APR*	Monthly Payment
2022-2023	up to 48 months	7.50%	7.768%	$241.83
2019-2021	up to 36 months	7.75%	8.101%	$312.26
2018 or older	up to 24 months	8.375%	8.889%	$454.06

*APR=Annual Percentage Rate. The above APR’s and payments are based on a $10,000 loan example and may be different based on your loan amount, credit score, term and model year. Used vehicle loans require 20% down payment. Rates are accurate as of May 1, 2025.

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