Certificates of Deposit (CDs)  

Certificates of Deposit offer a high yield with restricted availablility to your funds.  Interest is a fixed rate set with maturity.  Choose from a variety of investment rates and terms to fit your individual needs.

• Maturity periods ranging from 3 months up to 5 years
• Automatic renewal eliminates paperwork
• Start your investment with as little as $1,000
• Penalty applied for early withdrawal
• May be used as an IRA Investment
• Click here for current rates 

*Penalities are incurred for early withdrawal.

Individual Retirement Accounts (IRAs)

Save for your retirement today with a FNBT.COM BANK IRA.  We offer Traditional, ROTH, and Educational IRAs, as well as S.E.P. Plans.  Use your Certificate of Deposit as your IRA investment, or choose from the IRA products below.

• TDOA: Time Deposit Open Account
  • Start with a minimum of $50
  • Make additional contributions to the same account
  • May be used as an IRA investment
  • No set maturity date
  • Interest is credited to your IRA account quarterly
  • Click here for current rates 
• First Preferred IRA
  • Start with a minimum of $2,000
  • Make additional contributions to the same account
  • May be used as an IRA investment
  • No set maturity date
  • Interest is credited to your IRA account quarterly  
  • Click here for current rates

*IRA Accounts are also subject to IRS rules and regulations.