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Certificate of Deposit Specials


Certificates of Deposit can be purchased for a variety of terms at competitive rates. Contact a Customer Service Representative at (740) 947-2136 for more options to manage your short-term and long-term financial goals. Annual Percentage Yield (APY) and interest rates effective 3/11/2026.

Term

Minimum Deposit

Interest Rate

APY*

Compound 
Method

Early Withdraw 
Penalty

6 Month Special

$1,000

3.90%

3.98%

Simple

3 Months Interest

12 Month Special

$1,000

3.65%

3.72%

Simple

6 Months Interest

7 to 364 days

$1,000

0.90%

0.90%

 Simple 

3 Months Interest 

12 to 17 Months

$1,000

1.10%

1.11%

Simple

6 Months Interest 

18 to 23 Months

$1,000

1.15%

1.16%

Simple 

6 Months Interest 

24 to 36 Months

$1,000

1.20% 

1.21%

Simple 

6 Months Interest 

37 to 48 Months

$1,000 

1.25% 

1.26% 

Simple 

6 Months Interest 

IRA 91 to 364 Days

$1,000 

1.00% 

1.00% 

Quarterly

3 Months Interest

IRA 12 to 17 Months 

$1,000

1.15% 

1.16%

Quarterly 

6 Months Interest 

IRA 18 to 23 Months 

$1,000 

2.90% 

2.94% 

Quarterly 

6 Months Interest 

IRA 24 to 29 Months

$1,000 

1.25% 

1.26%

Quarterly 

6 Months Interest 

IRA 30 to 47 Months

$1,000 

1.30% 

1.31% 

Quarterly 

6 Months Interest 

IRA 48 Months

$1,000

1.35% 

1.36% 

Quarterly 

6 Months Interest 

Offer good for initial term only. CD is automatically renewed for the same term and published rate offered during renewal period. Advertised rate and APY are offered at the bank's discretion and may change daily. Penalty for early withdrawal. Fees may reduce earnings. Annual Percentage Yield (APY) assumes principal and interest will remain on deposit for the term of the CD.

  • No Public Funds or Jumbo CD's

  • $250,000 maximum deposit

  • FDIC insured to the maximum allowed by law.

*Annual Percentage Yield

The First National Bank of Waverly

First National Bank

NMLS #503801

Lost or Stolen Debit Cards: 1-800-523-4175
Current Interest Rates: 740-947-2136
Member FDIC, Equal Housing Lender