Business Rates / Fees

Deposit & Certificate Rates

Account
Type 
Minimum 
to Open
Minimum to
Avoid Fee
Minimum to
Obtain APY
Interest
Rate
APY

 NOW* $100.00 $1,000.00 $1,000.00 0.25% .025% 

MMF*

 
$100.00

$1,000.00  $250,000.00 and over 0.79% 0.79%
$100,000.00 - $249,999.99 0.74% 0.74% 
$50,00.00 - $99,999.99  0.57% 0.57% 
 $25,000.00 - $49,999.99 0.26% 0.26%
$1,000.00 - $24,999.99 0.19% 0.19%
$0.00 - $999.99  0.00% 0.00% 
 Savings* $100.00 $100.00 $100.00 0.54%  0.54%
3 Mo. CD $1,000 .00 No minimum  balance fee <$100,000.00 0.61%  0.61%
$100,000.00 or over  0.71%  0.71% 
6 Mo. CD  $1,000.00 No minimum  balance fee  <$100,000.00  1.10% 1.11%
 $100,000.00 or over 1.20% 1.21% 
 ***7 Month CD Special will renew as a 6 Month CD-Renewal Rate / APY will depend on balance at time of renewal***
 7 Mo. CD  $1,000.00 No minimum balance fee   <$100,000.00  2.10%  2.12%
 $100,000.00 or over  2.20%  2.22%
***11 Month CD Special will renew as a 12 Month CD-Renewal Rate / APY will depend on balance at time of renewal***
 11 Mo. CD $1,000.00 No minimum balance fee $1,000.00 and over 2.30%   2.33%
 12 Mo. CD $1,000.00 No minimum balance fee   <$100,000.00  1.90% 1.92%
 $100,000.00 or over  2.00% 2.02% 
 ***15 Month CD Special will renew as a 18 Month CD-Renewal Rate / APY will depend upon balance at time of renewal***
 15 Mo. CD  $1,000.00  No minimum balance fee $1,000.00 and over   2.60%  2.63%
 18 Mo. CD $1,000.00 No minimum balance fee  <$100,000.00 1.70% 1.71% 
 $100,000.00 or over 1.80% 1.82% 
 24 Mo. CD $1,000.00  No minimum balance fee  <$100,000.00  2.00% 2.02%
 $100,000.00 or over 2.10%  2.12%
 36 Mo. CD $1,000.00  No minimum balance fee  <$100,000.00  2.10%  2.12%
 $100,000.00 or over  2.20% 2.22%
 48 Mo. CD $1,000.00 No minimum balance fee <$100,000.00 2.20% 2.22%
 $100,000.00 or over 2.30% 2.33%
 60 Mo. CD $1,000.00 No minimum balance fee <$100,000.00  2.30% 2.33%
 $100,000.00 or over  2.40% 2.43%
The CD term and balance must be maintained for the tern of the CD to obtain the APY (Annual
Percentage Yield).
Interest is compounded daily.  Penalties for early withdrawal may apply.  Interest rate and APY
are accurate as of date published, but are subject to change at any time.  Fees may reduce
earnings.
*Variable rate accounts.  Rates may change on Variable Rate Accounts after the account is
opened.  Interest is compounded daily.

Please contact us for rates.  Accounts subject to approval.

Bank Fees

First National Bank of Shiner offers many services free, and others at a minimal, competitive fee. For a list of our service fees please contact us.