Welcome to First National Bank

INTEREST RATES ON DEPOSIT ACCOUNTS Rates Current as of Oct 4, 2011 (Call for most current rates)
	Interest Rates	Annual Percentage Yield (APY)*
Passbook Savings Account	.20%	.20%
NOW ACCOUNTS:
If your daily balance is greater than $749.99	.10%	.10%
If your daily balance is less than $750.00	0%	0%
SNOW ACCOUNTS:
If your daily balance is greater than $1,499.99	.15%	.15%
If your daily balance is below $1,500.00 but	.10%	.10%
If your daily balance is below $750.00	0%	0%
MONEY MARKET ACCOUNT:
If your daily balance is greater than $1,499.99	.20%	.20%
If your daily balance falls below $1,500 but	.10%	.10%
If your daily balance falls below $750.00	.0%	.0%
*Fees could reduce the APY on the account. We use the daily balance method to calculate interest on your account, which applies a daily periodic rate to the principal in the account each day.

CERTIFICATES OF DEPOSIT INTEREST RATE & ANNUAL PERCENTAGE YIELD (APY)* for CD's below $25000.00 Rates current as of Oct 04, 2011 (Call for most current rate and rates for CD's over $24999.99) All Certificate of Deposits Require a $500 minimum.
Maturity Term	Rate	APY	Compound Frequency	Early Withdrawal
91 Day CD	.25%	.25%	at maturity	1 month
182 Day CD	.30%	.30%	monthly	1 month
12 months	.50%	.50%	monthly	1 month
18 months	.70%	.70%	monthly	3 months
24 months	.90%	.90%	monthly	3 months
30 months	1.10%	1.11%	monthly	3 months
36 months	1.30%	1.31%	monthly	3 months
48 months	1.40%	1.41%	monthly	3 months
60 months	1.50%	1.51%	monthly	3 months
*A change in compounding frequency or fees assessed may change APY listed. Higher rates apply for balances over $25000.00. Call for current rates.

INDIVIDUAL RETIREMENT ACCOUNTS (IRA’S) Rates Effective as of Oct 4, 2011 for IRA's below $25000.00. (Call for most current rates and rates for IRA's over $24999.99)
Maturity Term	Rate	APY	Compound Frequency	Early Withdrawal Penalty
18 months	.95%	.95%	quarterly	3 months
24 months	1.15%	1.15%	quarterly	3 months
30 months	1.30%	1.31%	quarterly	3 months
36 months	1.55%	1.56%	quarterly	3 months
48 months	1.65%	1.66%	quarterly	3 months
*A change in compounding frequency or fees assessed may change APY listed. Higher rates apply for balances greater than $25000.00 Call for current rates.

Special Exchange Rate Certificate of Deposit Rates effective as of Oct 4, 2011. Call for current rates. $500 minimum.
Maturity Term	Rate	APY	Compound Frequency	Early Withdrawal Penalty
27 month	1.05%	1.06%	monthly	12 months
Allowed one rate change within the 27 month period. Automatically renews at 30 month period and rate available at the time of maturity. Rate change is only allowed in the first 27 month period.