Rates

Rates current as of: July 15, 2026

Explore Our Rates

First Club Checking

The interest rate and annual percentage yield may change after account opening.

Minimum Opening Balance Minimum Balance to obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
$100.00 $500.00 2 0.10% 0.10%

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Money Market

The interest rate and annual percentage yield may change after account opening.

Minimum Opening Balance Minimum Balance to obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
$1,000.00 $1,000.00 2 0.10% 0.10%

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Savings

Account Minimum Opening Balance Minimum Balance to obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
Regular Savings $100.00 0.10 4 0.10%
Christmas Savings Club 1 $1.00 $1.00 2 1.00% 4 1.01%
Vacation Savings Club 1 $1.00 $1.00 2 1.00% 4 1.01%

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Certificates of Deposit (CDs)

Term Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
91 days 1 $1,000.00 $1,000.00 2 3.70% 3.75%
182 days 1 $1,000.00 $1,000.00 2 2.10% 2.11%
7 months 1 $1,000.00 $1,000.00 2 3.75% 3.78%
9 months 1 $1,000.00 $1,000.00 2 3.55% 3.57%
12 months 1 $1,000.00 $1,000.00 2 3.90% 3.96%
14 months 1 $1,000.00 $1,000.00 2 3.50% 3.56%
18 months 1 $1,000.00 $1,000.00 2 4.00% 4.06%
20 months 1 $1,000.00 $1,000.00 2 3.35% 3.40%
24 months 1 $1,000.00 $1,000.00 2 4.10% 4.16%
36 months 1 $1,000.00 $1,000.00 2 2.75% 2.78%
48 months 1 $1,000.00 $1,000.00 2 2.25% 2.27%
60 months 1 $1,000.00 $1,000.00 2 2.00% 2.02%

Other Certificate of Deposits are available. Please contact any of the The FNB Community Bank locations for terms and rates.

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Individual Retirement Accounts (IRAs)

The interest rate and annual percentage yield may change after account opening.

Minimum Opening Balance Minimum Balance to obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
$500.00 $500.00 2 0.25% 2.17%

Other options are available for IRAs. Please contact the Trust Department at (618) 283-9860 for further information.

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Important Deposit Rate Disclosures

  1. A penalty may be imposed for early withdrawal.
  2. Daily balance. The amount of the principal in the account each day.
  3. The base rate will be paid if requirements are not met in qualification cycle.
  4. If the rate should decrease, you will receive a thirty (30) day advance written notice prior to the rate change.

The Annual Percentage Yield (APY) is accurate as of July 1, 2026, and is subject to change at the bank’s discretion without prior notice. The minimum balance required to open the account and to obtain the disclosed APY is $1,000.00. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Certificates of Deposit with terms of 12, 18, and 24 months currently offer an APY of 4.06% and will automatically renew at maturity. The APY for CD terms 12 months and greater are based on compounding interest. Upon renewal, the CD will renew for the same term at the rate and APY in effect at that time. Interest is calculated quarterly. Offer availability may be withdrawn or modified at any time. Member FDIC.


* Fees may reduce the earnings on the account.

FDIC Insurance Information

Deposits are FDIC insured. If you have questions relating to the amount of FDIC insurance coverage for your accounts at The FNB Community Bank, you may want to use the Electronic Deposit Insurance Estimator provided by the FDIC at www.fdic.gov/edie. You may also stop by the Bank and pick up a brochure on FDIC insurance.

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