Business Rates / Fees

Deposit & Certificate Rates

Account
Type 
Minimun 
to Open
Minimum to
Avoid Fee
Minimum to
Obtain APY
Interest
Rate
APY

 NOW* $100 $1,000 $1,000 0.25% .025% 

MMF*

 
$100

$1,000  $250,000 and over 0.79% 0.79%
$100,000 - $249,999.99 0.74% 0.74% 
$50,00 - $99,999.99  0.57% 0.57% 
 $25,000 - $49,999.99 0.26% 0.26%
$1,000 - $24,999.99 0.19% 0.19%
$0.00 - $999..99  0.00% 0.00% 
 Savings* $100 $100 $100 0.54%  0.54%
3 Mo. CD $1,000  No minimum 
balance fee
<$100,000.00 0.61%  0.61%
$100,000.00 or over  0.71%  0.71% 
6 Mo. CD  $1000 No minimum 
balance fee
 <$100,000.00  1.10% 1.11%
 $100,000 or over 1.20% 1.21% 
***11 Month CD Special will renew as a 12 Month CD-Renewal Rate / APY will depend on balance at time of renewal***
 11 Mo. CD $1000  No minimum 
balance fee
$1,000 and over 2.30%   2.33%
 12 Mo. CD $1000 No minimum 
balance fee
  <$100,000.00  1.90% 1.92%
 $100,000 or over  2.00% 2.02% 
 18 Mo. CD $1,000 No minimum
balance fee
 <$100,000.00 1.70% 1.71% 
 $100,000 or over 1.80% 1.82% 
 24 Mo. CD $1,000  No minimum
balance fee
 <$100,000.00  2.00% 2.02%
 $100,000 or over 2.10%  2.12%
 36 Mo. CD $1000  No minimum
balance fee
 <$100,000  2.10%  2.12%
 $100,000 or over  2.20% 2.22%
 48 Mo. CD $1000 No minimum
balance fee
<$100,000 2.20% 2.22%
 $100,000 or over 2.30% 2.33%
 60 Mo. CD $1000 No minimum
balance fee
<$100,000  2.30% 2.33%
 $100,000 or over  2.40% 2.43%
The CD term and balance must be maintained for the tern of the CD to obtain the APY (Annual
Percentage Yield).
Interest is compounded daily.  Penalties for early withdrawal may apply.  Interest rate and APY
are accurate as of October 29, 2018, but are subject to change at any time.  Fees may reduce
earnings.
*Variable rate accounts.  Rates may change on Variable Rate Accounts after the account is
opened.  Interest is compounded daily.

Please contact us for rates.  Accounts subject to approval.

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.