FNB CD Rates (November 2026) & Calculator

FNB pays up to 4.30% APY on a 13-month CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.

Rates checked Nov 5, 2026FDIC cert #7888

FNB CD rates (Nov 5, 2026)

Every CD term FNB lists on its website, with what $10,000 earns over the full term.

FNB CD rates by term and balance
Term	Product	Minimum	APY	$10,000 earns
5 months	5-Month CD SpecialSpecial	$10,000	3.00%	$123.92
7 months	7-Month CD SpecialSpecial	$10,000	3.75%	$217.07
13 months	13-Month CD SpecialSpecial	$5,000	4.30%	$466.66

Special is a promotional rate. Relationship needs a linked account at FNB. A dash means the same APY as the opening balance. The highlighted row is FNB's top rate.

Source: FNB CD rates. Rates change often; confirm before you open an account.

FNB vs the national average

The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 51 other banks we track for the same term.

FNB CD rates compared with the FDIC national average
Term	FNB	National avg	Best other bank
5 months	3.00%	1.39% (6 mo)	First Citizens 4.00%
7 months	3.75%	1.39% (6 mo)	Associated Bank 4.25%
13 months	4.30%	1.76% (12 mo)	CIBC Agility 4.50%

Taxes on FNB CD interest

CD interest is taxable as ordinary income, federally and in most states. You owe tax in the year the interest is credited or accrues, even if it stays in the CD until maturity. FNB sends Form 1099-INT when you earn $10 or more in a year. For example, the $466.66 that $10,000 earns over 13 months at 4.30% would cost about $103 in federal tax in the 22% bracket.

If you pay an early withdrawal penalty, it appears in box 2 of your 1099-INT and you can deduct it from your income, even if you don't itemize. CDs held in an IRA follow IRA tax rules instead. See IRS Publication 550.

How We Calculate & Keep This Accurate

Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following FNB's published rule for that term.

Rates come from FNB's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against FNB's website and disclosures. Results are estimates, not an offer from the bank.

Primary Sources

Data & Freshness

Figures reflect 2026 tax-year data.

Last updated November 5, 2026 · Maintained by the Financial Calculator editorial team.

FNB CD FAQs

Quick answers about FNB CD rates and penalties.

What are FNB's CD rates today?

As of Nov 5, 2026, FNB's highest CD rate is 4.30% APY on the 13 months 13-Month CD Special. The full list of terms and balance tiers is in the table above.

How much will $10,000 earn in a 13-month FNB CD?

At 4.30% APY, $10,000 grows to $10,466.66 after 13 months, earning $466.66 in interest. Change the deposit or term in the calculator to see other amounts.

Are FNB CDs insured?

First National Bank of Pennsylvania is FDIC-insured (FDIC certificate #7888), so deposits are covered up to $250,000 per depositor, per bank, per ownership category.

How do FNB's rates compare with the national average?

The FDIC's national average for a 12-month CD was 1.76% as of Oct 19, 2026. Its best rate, 4.30% for 13 months, is 2.54 points above the national average for that term.