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You probably know the drill with CDs. Stow away your money for a set term and earn a fixed interest rate — withdraw funds before your term is up and you'll incur a penalty fee. Our CDtwo®, a next-generation CD, actually pays you to withdraw early. Really!

Just like a regular CD, choose your term to earn a fixed rate. Should market rates drop, we'll give you the option of withdrawing early and receiving a bonus. Prefer to stick with your CD? No problem! With a CDtwo, you get maximum flexibility with your money.

With CDtwo, you get:

  • Choices – Terms to maturity can be selected up to 60 months. Hold the CD to maturity or redeem early and collect a possible bonus.
  • Stability – CDtwo is FDIC insured, which means your principal and interest is protected.
  • Flexibility – The decision and timing of any early withdrawal is entirely yours.

Open yours today with a $10,000 minimum deposit!

CDtwo is a trademark of Stanley Performance Strategies LLC. Penalty for early withdrawal only if interest rates rise. Penalty for the first 7 days is 7 days of interest. After the first 7 days, the penalty/bonus is determined by the Replacement Fee. The Replacement Fee is an estimate of the interest cost to us if we were to replace a CD that is withdrawn early with another deposit having a term that is comparable to the remaining term of the original CD. 36 month - 60 month terms available. If interest rates have risen, then the cost of the new deposit will be higher. If interest rates have fallen, then the cost of the new deposit will be lower. First National Bank reserves the right to limit deposits to this account. $10,000 minimum to open. First National Bank, Member FDIC. Equal Housing Lender.

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