Certificate of Deposit

The First National Bank in Amboy Certificate of Deposits (CD) pay competitive rates with flexible terms that meet almost everyone’s investment needs.

Contact our Customer Service Department today at 815-857-3625 extension 5305, or email them at contact@fnbamboy.com

Effective Date:
May 15, 2024
Interest RateAPY**
Certificate of Deposit
$1,000 minimum balance required for all Certificate of Deposits
3 Month Certificate .65 .65
6 Month Certificate
.75 .75
5 Month Certificate Special4.444.50
7 Month Certificate Special4.664.70
1 Year Certificate1.201.21
2 Year Certificate
1.251.26
3 Year Certificate
1.341.35
5 Year Certificate1.451.46
Money Market Account*
Minimum to Open $2,500

Daily Balance $2,499.99 or less .35 .35
Daily Balance between $2,500.00 and $24,999.99 .40 .40
Daily Balance between $25,000.00 and $99,999.99 .75 .75
Daily Balance between $100,000.00 and $249,999.991.151.16
Daily Balance between $250,000.00 and $499,999.991.361.37
Daily Balance between $500,000.00 and $999,999.991.411.42
Daily Balance of $1,000,000 and over1.411.42
Statement Savings* .15 .15
Super Now Accounts*
Minimum balance to open $2,500
0-$999 Minimum Daily Balance .15 .15
$1,000-2,499 Daily Balance .15 .15
$2,500 & up Daily Balance .15 .15
Individual Retirement Accounts (IRA)
IRA Golden Savings*
Open-end $100.00 minimum balance
.50 .50
1 Year IRA Certificate1.201.21
2 Year IRA Certificate1.251.26
3 Year IRA Certificate
1.341.35
5 Year IRA Certificate1.451.46
**Annual Percentage Yield

THE MINIMUMS STATED ABOVE ARE ALL MINIMUMS TO OPEN THE ACCOUNT AND ALSO THE MINIMUM BALANCES REQUIRED TO OBTAIN THE STATED ANNUAL PERCENTAGE YIELD.

*THE RATE FOR THESE ACCOUNTS MAY CHANGE AFTER THE ACCOUNT IS OPENED.

*FEES MAY REDUCE EARNINGS.

Image of Deposit Papers

Early Withdrawal Penalties

3 to 11 months Certificate of Deposit
The fee we impose on certificates with a term of 3 to 5 months will equal 3 months interest on the amount withdrawn. The fee we impose on certificates with a term of 6 to 11 months will equal 6 months interest on the amount withdrawn. In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases, requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

12 to 23 months Certificate of Deposit
The fee we impose on certificates with a term of 12 to 23 months will equal 6 months interest on the amount withdrawn. In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases, requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

24 to 60 months Certificate of Deposit
The fee we impose on certificates with a term of 24 to 60 months will equal 12 months interest on the amount withdrawn. In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases, requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

You are about to leave The First National Bank in Amboy's website.

When you click Proceed, you will leave this site and be transferred to a third-party site not controlled by the First National Bank in Amboy. To remain on our website, click Cancel.

You are about to leave The First National Bank in Amboy's website.

When you click Proceed, you will leave this site and be transferred to a third-party site not controlled by the First National Bank in Amboy. To remain on our website, click Cancel.

You are about to leave The First National Bank in Amboy's website.

When you click Proceed, you will leave this site and be transferred to a third-party site not controlled by the First National Bank in Amboy. To remain on our website, click Cancel.

You are about to leave The First National Bank in Amboy's website.

When you click Proceed, you will leave this site and be transferred to a third-party site not controlled by the First National Bank in Amboy. To remain on our website, click Cancel.

You are about to leave The First National Bank in Amboy's website.

When you click Proceed, you will leave this site and be transferred to a third-party site not controlled by the First National Bank in Amboy. To remain on our website, click Cancel.

You are about to leave The First National Bank in Amboy's website.

When you click Proceed, you will leave this site and be transferred to a third-party site not controlled by the First National Bank in Amboy. To remain on our website, click Cancel.