Rates

Rates and Annual Percentage Yields are accurate as of October 20, 2023. All rates are subject to change.

Certificates of Deposit*

Term

Minimum to Open

Interest Rate

APY

3 Month Term

$2,500

1.00%

1.00%

6 Month Term

$2,500

3.50%

3.56%

12 Month Term

$1,000

4.00%

4.07%

18 Month Term

$1,000

2.00%

2.02%

24 Month Term

$1,000

1.90%

1.92%

30 Month Term

$1,000

1.80%

1.81%

36 Month Term

$1,000

1.70%

1.71%

48 Month Term

$1,000

2.00%

2.02%

60 Month Term

$1,000

2.25%

2.27%

11 Month Term "Sprout" CD for Children

$25

4.00%

4.06%

35 Month Term "Sprout" CD for Children

$25

1.70%

1.71%

59 Month Term "Sprout" CD for Children

$25

2.25%

2.27%

APY = Annual Percentage Yield

The APY assumes interest will remain on deposit until maturity

CD will automatically renew at the current bank rate at the time of maturity

*Substantial Penalty for Early Withdrawal

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

Individual Retirement Accounts

Term

Minimum to OpenInterest RateAPY
Fixed Rate Individual Retirement Account (IRA)*

18 Month Term

$100

2.00%

2.02%

24 Month Term

$100

1.90%

1.92%

36 Month Term

$100

1.70%

1.71%

APY = Annual Percentage Yield

The APY assumes interest will remain on deposit until maturity

CD will automatically renew at the current bank rate at the time of maturity

*Substantial Penalty for Early Withdrawal

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

 

Minimum to Open

Interest Rate

APY

Roth Individual Retirement Account (IRA)*

18 Month Term

$100

2.00%

2.02%

APY = Annual Percentage Yield

The APY assumes interest will remain on deposit until maturity

CD will automatically renew at the current bank rate at the time of maturity

*Substantial Penalty for Early Withdrawal May Apply

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

 

Checking Accounts

Tier

Minimum to Open

Interest Rate

APY

NOW Checking**

Balances between .01 - $19,999.99

$1,500

0.25%

0.25%

Balances between $20,000 - $49,999.99

$1,500

0.25%

0.25%

Balances between $50,000 - $99,999.99

$1,500

0.25%

0.25%

Balances between $100,000 - $199,999.99

$1,500

0.50%

0.50%

Balances between $200,000 - $499,999.99

$1,500

0.60%

0.60%

Balances $500,000 and above

$1,500

0.75%

0.75%

**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.

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

Money Market

Tier

Minimum to Open

Interest Rate

APY

Money Market Deposit (MMDA)**

Balances between .01 - $19,999.99

$2,500

0.25%

0.25%

Balances between $20,000 - $49,999.99

$2,500

0.25%

0.25%

Balances between $50,000 - $99,999.99

$2,500

0.25%

0.25%

Balances between $100,000 - $199,999.99

$2,500

0.50%

0.50%

Balances between $200,000 - $499,999.99

$2,500

0.60%

0.60%

Balances $500,000 and above

$2,500

0.75%

0.75%

**Interest Bearing Account

APY = Annual Percentage Yield

**These accounts are variable rate accounts; the rates and APYs may change after the account is opened. Fees could reduce the earnings on the accounts.

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

Savings Accounts

Account Type

Minimum to Open

Interest Rate

APY

Savings*

Statement Savings

$50.00

0.20%

0.20%

Christmas Club

$2.00

0.20%

0.20%

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.

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

 

Raymond, Illinois
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