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CDs & IRAs

Our Rates

*For all accounts below: Annual Percentage Yield effective 11/3/22. Fees may reduce earnings.
*For NOW, Money Market Investment, Christmas Club, and Regular Savings: APY is variable and subject to change.
*For CDs and IRAs, a penalty may be imposed for early withdrawal.

Deposit Accounts

Product Name Minimum Required Interest Rate Annual Percentage Yield
NOW Account $1,000 0.25% 0.25%
Money Market Investment ($0.01 - $49,999.99 / $50,000 & Above) $1,000 0.25% 0.25%
Christmas Club $5 0.25% 0.25%
Regular Savings $100 0.25% 0.25%

CDs

Product Name Minimum Required Interest Rate Annual Percentage Yield
7 Day CD $20,000 0.35% 0.35%
1 - 3 Month CD $1,000 1.00% 1.00%
6 Month CD $1,000 2.25% 2.27%
9 Month CD $1,000 2.35% 2.37%
1 Year CD $1,000 3.00% 3.03%
18 Month CD $1,000 3.10% 3.14%
2 Year CD $1,000 3.25% 3.29%
3 Year CD $1,000 3.25% 3.29%
Early Withdrawal Penalty
    7 Day CD - 18 Month CD: 31 days
    2 Year CD: 120 days
    3 Year CD: 182 days
 
Deposits of $100,000.00 or more add 0.25%.
Personal CD Balances of $1,000,000.00 or more add 0.50%.

IRAs

Product Name Minimum Required Interest Rate Annual Percentage Yield
12 Month IRA Variable $100 3.00% 3.03%
12 Month IRA Fixed $100 3.00% 3.03%
18 Month IRA Fixed $100 3.10% 3.14%
24 Month IRA Fixed
(Early withdrawal penalty 120 days)
$100 3.25% 3.29%
36 Month IRA Fixed
(Early withdrawal penalty 182 days)
$100 3.25% 3.29%











FNBEA is Eastern Arkansas' oldest independently owned bank.

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