Certificates of Deposit (CDs)
Put your money to work with a Certificate of Deposit
Grow your savings with confidence by locking in a guaranteed rate for a fixed term. A Certificate of Deposit (CD) is a smart choice when you have funds you won't need right away and want a predictable return without market risk.
Is a Certificate of Deposit Right for You?
A CD may be a great choice if you
- Have money you can set aside for a specific period
- Want a guaranteed rate of return
- Prefer a low-risk savings option
- Are saving toward a future financial goal
Benefits & Features
Guaranteed growth. Peace of mind.
Benefits
- Lock in a fixed interest rate for the entire term of your CD
- Choose a term that aligns with your savings goals and timeline
Features
- A variety of CD terms are available to meet your financial needs
- Your interest rate is established when the account is opened
- Funds remain on deposit until the maturity date
- Current rates available on our Interest Rates page
Why First National Bank?
Banking that's personal
Whether you're saving for a future purchase, building your financial security, or diversifying your savings strategy, First National Bank offers competitive CD options backed by local service and trusted financial guidance. We'll help you choose the term that best fits your goals.
Ready to Lock in Your Savings?
Visit your nearest First National Bank location to explore available CD terms and current rates. Our team is ready to help you find the option that's right for you.
Must be an Iowa resident to apply. If you are a non-resident who is planning to move to Iowa, complete this form and we will assist you in opening your account.
Early withdrawal penalties may apply.
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