Personal Rates & Fees

Deposit & Certificate Rates

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

NOW* $100 $1,000 $1,000 0.25% 0.25%
MMF* $100 $1,000 $250,000 & Over 0.79% 0.79%
$100,000 - $249,999.99 0.74% 0.74%
$50,000 - $99,999.99 0.57% 0.57%
$25,000- $49,999.99 0.26% 0.26%
$1,000 - $24,999.99 0.19% 0.19%
$0.00 to $999.99 0.00% 0.00%
Savings* $100 $100 $100 0.54% 0.54%
3 Mo. CD $1,000 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 No minimum balance fee <100,000.00 1.10% 1.11%
$100,000.00 or over 1.20% 1.21%
***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 No minimum balance fee  $1,000 or over 2.30%  2.33%
12 Mo. CD $1,000 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 an 18 Month CD-Renewal Rate / APY will depend on balance at time of renewal***
 15 Mo. CD  $1,000  No minimum balance fee  $1,000 or over  2.60%  2.63%
18 Mo. CD $1,000 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 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 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 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 No minimum balance fee <$100,000.00 2.30% 2.33%
$100,000.00 or over 2.40% 2.43%
Health
Savings Account*
$100 $2,500 $10,000 & over 0.50% 0.50%
$5,000.00 to $9,999.99 0.40% 0.40%
$1.00 to $4,999.99 0.10% 0.10%
IRA
Savings*
$100 No minimum balance fee $100 2.60% 2.63%
The CD term and balance must be maintained for the term 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 December 3, 2018 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 current rates.  Accounts are 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.