Certificate Rates 
Certificate of Deposit
$1,000 to open and to obtain yield; balance under $100,000.
Term  Interest Rate Annual Percentage Yield
3 Month CD 0.51% 0.51%
6 Month CD 1.00% 1.01%
 11 Month CD Special
2.10%
2.12%
11 Month CD Special will renew as a 12 Month CD.  Renewal Rate / APY will be determined at time of renewal
12 Month CD 1.60% 1.61%
18 Month CD 1.40% 1.41%
24 Month CD 1.70% 1.71%
36 Month CD 1.80% 1.82%
48 Month CD 1.90% 1.92%
60 Month CD 2.00% 2.02%
Jumbo Certificate of Deposit 
$1,000 to open; $100,000 minimum to obtain yield
Term  Interest Rate APY
3 Month
0.61% .061%
6 Month 1.10% 1.11%
11 Month CD Special 2.10% 2.12%
$1,000 to open. 11 Month CD will renew as a 12 Month CD.  Renewal Rate / APY will be determined at time of renewal. 
 12 Month 1.70% 1.71%
18 Month 1.50% 1.51%
24 Month 1.80% 1.82%
36 Month 1.90% 1.92%
48 Month 2.00% 2.02%
60 Month 2.10% 2.12%
Rates current as of date published; rates subject to change without notice. 
 Annual Percentage Yield (APY) is paid on all balances.  Penalties for early withdrawal may apply.
 

Deposit Rates 
 IRA Savings*
$100 to open; no minimum balance fee
 Minimum to obtain yield Interest Rate   APY
$0.01  2.35%  2.38% 
 
Money Market Fund*
$100 to open; $1,000 to avoid fee
 Minimum to obtain yield Interest Rate  APY 
 $250,000 & over 0.79%  0.79% 
 $100,000 to $249,999.99 0.74%   0.74%
 $50,000 to $99,999.99 0.57%   0.57%
 $25,000 to $49,999.99 0.26%  0.26% 
$1,000 to $24,999.99 0.19%  0.19% 
 $0 to $999.99  0.00%  0.00%
 
 NOW Account *
$100 to open; $1,000 to avoid fee
 Minimum to obtain yield  Interest Rate APY
 $0.01  0.25% 0.25% 
 
 Savings Account*
$100 to open; $100 to avoid fee
Minimum to obtain yield  Interest Rate  APY 
$ 0.01  0.54% 0.54% 
 
Health Savings Account*
$100 to open; $2,500 to avoid fee
 Minimum to obtain yield  Interest Rate  APY
$10,000 & over 0.50% 0.50%
$5,000 to $9,999.99 0.40% 0.40%
$1 to $4,999.99 0.10% 0.10%
*Rates may change on Variable Rate Accounts  after the account is opened. 
Fees may reduce earnings.  Rates current as of date published.
  


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.