First National Bank in Pinckneyville
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Interest Rates



 
APRAPY*
Super NOW Account10.10%0.10%
   
Money Market Accounts2
 

 
$1.00 - $2,499.990.10%0.10%
$2,500 - $9,999.990.10%0.10%
$10,000.00 - $24,999.990.20%0.20%
$25,000.00 - $99,999.990.20%0.20%
$100,000.00 - $999,999,999.990.25%0.25%
   
Savings Accounts3
 
 
Regular Statement Savings0.25%0.25%
Youth Statement Savings0.25%0.25%
   
Club Accounts4
 
 
Christmas Club0.25%0.25%
   
Certificates of Deposit5
 

 
3 Month Certificate0.10%0.10%
6 Month Certificate0.15%0.15%
12 Month Certificate0.20%0.20%
18 Month Certificate0.25%0.25%
24 Month Certificate0.35%0.35%
30 Month Certificate0.45%0.45%
36 Month Certificate0.60%0.60%
48 Month Certificate0.80%0.80%
60 Month Certificate1.05%1.05%
   


NOTE:
Each respective account is subject to the disclosures and requirements related directly to that account type.
Minimum balances restrictions, minimum opening deposit restrictions, closing fees, dormant fees, and early withdrawal penalties may apply. Rates subject to change without notice. Call FNB at (618) 357-9393 for most up-to-date interest rates.

* APY means Annual Percentage Yield. APYs are in effect as of 04/09/2013. Please note that account fees may reduce earnings.

Account-specific disclosures:

1Super NOW Accounts: APY applies to average daily account balances of greater than or equal to $1.00. Rates are variable and may change at any time. Minimum deposit required to open the account is $100.00. There is a $10.00 maintenance fee for balance below $1,000.00. Super NOW Accounts are not available to partnerships, corporations, and other for-profit organizations, etc. Terms and conditions of this offer may change at any time.

2Money Market Accounts: APYs apply to average daily account balances of greater than or equal to $1.00. Rates are variable and may change at any time. Minimum deposit required to open the account is $1,000.00. There is a $10.00 maintenance fee for balance below $1,000.00. Withdrawals are limited to six per four week or similar period. If more than three third party checks, drafts, debit card or similar order (including POS transactions) are paid per statement cycle, there is a $10.00 charge per item per statement cycle. Terms and conditions of this offer may change at any time.

3Savings Accounts: APYs apply to account daily account balances of greater than or equal to $0.01. Rates are variable and may change at any time. Minimum deposit required to open Regular Statement Savings is $100.00. Minimum deposit required to open Youth Statement Savings is $50.00. Withdrawals are limited to nine per statement cycle. Additional withdrawals will incur a fee of $1.00 per item. Accounts with an average daily balance of greater than or equal to $1,000.00 will incur no charge for withdrawals. Regular Statement Savings accounts will incur a $10.00 maintenance fee for average daily balances below $100.00. Withdrawals are limited to 6 per four week or similar period. Youth Statement Savings accounts will incur a $10.00 maintenance fee for average daily balances below $50.00. Terms and conditions of this offer may change at any time.

4Club Accounts: APYs apply to average daily account balances of greater than or equal to $0.01 for Christmas Club Accounts. APYs apply to average daily account balances of greater than or equal to $25.00 for Vacation and Tax Club Accounts. Rates are variable and may change at any time. Minimum deposit required to open Christmas Club Account is $5.00. Minimum deposit required to open Tax and Vacation Club Accounts is $25.00. A penalty of $5.00 per withdrawal will be incurred for early Christmas Club withdrawals. Tax and Vacation Club Accounts are permitted one withdrawal per quarter and will incur a $5.00 fee per withdrawal in excess of that limit. Terms and conditions of this offer may change at any time.

5Certificates of Deposit: A minimum deposit of $500 is required to open a CD. To earn the annual percentage yield shown, your entire balance must remain on deposit until maturity. A substantial penalty may be imposed for early withdrawal; this fee could reduce earnings and invade principal. Rates may change at any time.




 
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