Interest Rates

First National Bank of Central Texas

First National Bank of Central Texas offers a wide array of loan products for businesses, investors, consumers and home-buyers/owners.

First National Bank of Central Texas stresses personal attention and local decision making combined with competitive interest rates. Our staff specializes in personally structuring a loan that will best meet your needs.

PERSONAL ACCOUNTS	Interest Rates	Annual Percentage Yield*
First Savings	0.40%	0.40%
First Interest Checking	0.25%	0.25%
First Prime Checking	0.50%	0.50%
First Money Market Checking	0.50%	0.50%
First Investment Checking
Daily Balance up to $24,999.99	0.50%	0.50%
Daily Balance $25,000.00-$99,999.99	0.75%	0.75%
Daily Balance $100,000.00 and Over	1.00%	1.01%
COMMERCIAL ACCOUNTS First Treasury Money Market	Interest Rates	Annual Percentage Yield*
Daily Balance up to $24,999.99	1.00%	1.01%
Daily Balance $25,000.00 - $99,999.99	1.25%	1.26%
Daily Balance $99,999.99 - $249,999.99	1.25%	1.26%
Daily Balance $250,000.00 and Over	1.25%	1.26%
CERTIFICATES OF DEPOSIT	Interest Rates	Annual Percentage Yield*
Minimum Opening Balance $1,000.00
01 Month CD	0.25%	0.25%
03 Month CD	0.50%	0.50%
06 Month CD	0.75%	0.75%
12 Month CD	1.25%	1.26%
24 Month CD	1.50%	1.51%
36 Month CD	1.50%	1.51%
60 Month CD	2.50%	2.52%
INDIVIDUAL RETIREMENT ACCOUNTS	Interest Rates	Annual Percentage Yield*
12 Month IRA	1.25%	1.26%
24 Month IRA	1.50%	1.51%
36 Month IRA	1.50%	1.51%
60 Month IRA	2.50%	2.52%

*The annual percentage yield (APY) assumes the principal and its interest will remain on deposit for a full year at the listed rate. Withdrawals, fees and other conditions could reduce earnings.