Maximize your earnings, while investing safely. Choose a term that best meets your needs. Your interest can be added to your account or transferred to your checking or savings account. 1st National Bank's Certificates of Deposit are offered at the highest rates consistent with safety. Investing funds in CD's is a good way to save for college tuition or retirement. Minimum deposit required is $1,000.00. Interest is compounded daily. All accounts are insured by FDIC. Click here for current interest rates.