View our current rates
Check out 1st National Bank’s current rates for auto, motorcycle, ATV, boat loans, CDs, and high-yield money market accounts.
We also offer competitive interest rates on checking, traditional savings, business accounts, and HSAs.
For up-to-date mortgage and refinance rates, fill out our home loan application or call us at 513-770-3221. Use our mortgage calculators to explore what you can afford.
Interest Rates Effective December 16, 2025.
Special Savings Program – 6% APY¹
Special Savings Program – 6% APY¹Earn 6% APY¹ on the first $25,000 in a qualifying Ohio Homebuyer Plus savings account and a generous rate on amounts over that! If it’s possible you will buy a home in the next 5 years, you can even talk to your accountant about a deduction on your Ohio income taxes. The rate can change daily and the minimum balance to open is $500, with a maximum of $100,000.
Auto and Truck Loans
| Model Year | Interest Rate as low as* | Maximum Term | Monthly Payment on $10,000 Loan | Loan Fee | APR** as Low as |
|---|---|---|---|---|---|
| 2021 - NEW | 7.75% | 84 Months | $154.62 | $250 | 8.54% |
| 2021 - NEW | 7.50% | 72 Months | $172.90 | $250 | 8.41% |
| 2021 - NEW | 7.50% | 60 Months | $200.38 | $250 | 7.80% |
| 2019 - 2020 | 8.00% | 48 Months | $244.13 | $250 | 8.37% |
Motorcycle and ATV Loans
| Model Year | Interest Rate as low as* | Maximum Term | Montly Payment on $10,000 Loan | Loan Fee | APR** as Low as |
|---|---|---|---|---|---|
| 2021-NEW | 9.25% | 60 Months | $208.80 | $250 | 9.55% |
| Pre-2021 | 9.50% | 36 Months | $320.33 | $250 | 9.98% |
Recreational Vehicle Loans--Motorhomes, Trailers and Boats
| Model Year | Interest Rate as low as* | Maximum Term | Monthly Payment on $10,000 Loan | Loan Fee | APR** as Low as |
|---|---|---|---|---|---|
| New | 9.25% | 120 Months | $128.03 | $250 | 9.42% |
| Used | 10.75% | 72 Months | $189.06 | $250 | 11.01% |
* Rate shown includes 0.50% reduction for automatic payments from a 1st National Bank Account.
** Annual Percentage Rate (APR) is based upon a loan size of $10,000 and a $250 loan fee.
Home Equity Lines of Credit (HELOC)
For our current HELOC rates, contact a Mortgage Banker.
CD Rates
| Relationship Pricing* | APY | Rate |
|---|---|---|
| 11 Months | 3.40% | 3.35% |
| 5 Months | 3.35% | 3.30% |
| Without Relationship Pricing* | APY | Rate |
|---|---|---|
| 11 Months | 2.90% | 2.86% |
| 5 Months | 2.85% | 2.82% |
Savings
| APY | Rate | |
|---|---|---|
| over $24,999 | 0.50% | 0.50% |
| over $9,999 | 0.15% | 0.15% |
| up to $9,999 | 0.05% | 0.05% |
| Checking Accounts with interest | 0.05% | 0.05% |
| Money Market Account $100,000+ | 2.75% | 2.71% |
| $50,000 to $99,999 | 2.50% | 2.47% |
| $25,000 to $49,999 | 1.00% | 1.00% |
| $10,000 to $24,999 | 0.25% | 0.25% |
| up to $9,999 | 0.05% |
*APY=Annual Percentage Yield. Relationships must have an average balance of at least 1% of CD or a lending product. Deposits received within 5 business days are considered jumbo deposits. Call for jumbo rates. APY (annual percentage yield) and rates on savings & checking accounts may change daily. Penalty for early withdrawal from CDs. Interest is compounded daily on all deposits. Fees could reduce earnings on your account. See Account Disclosures for more details.
¹APY=Annual Percentage Yield. APY is 6.00% APY and interest rate is 5.83% on deposits of $500.00 to $24,999.00 and 4.97% APY and interest rate of 4.86% for balances of $25,000.00 to $100,000.00, effective as of July 1, 2025, is a variable rate, and subject to change without notice. Minimum balance of $500 to open an account and obtain APY. Subject to approval by the State of Ohio. Consult with your tax advisor about tax advantages. 1st National Bank nor the Ohio Treasurer’s office offers any financial or legal advice. Please note: Individuals are required to review the Ohio Homebuyer Plus participation statement prior to opening an account through the program. You can review the participation statement here.