Certificates of Deposit (CDs)

CERTIFICATES OF DEPOSIT
- We require a minimum of $500.00 to open a Certificate of Deposit. Our Certificates have various maturity dates ranging from ninety days to five years. Interest be paid monthly, quarterly, semi-annually or annually. The interest can also be deposited back to the Certificate, to another account or you can receive it in a check. All Certificates are subject to an early withdrawal penalty. The penalty for a Certificate having a maturity of ninety days to one year is a 30 day simple interest penalty, anything over one year is a 90 day simple interest penalty.

INTEREST RATES
- Deposit interest rates are established weekly based on existing money market rates and local conditions. For our current Certificate rates please view our Interest Rates page or visit one of our Bank Representatives. Certificates are opened on a fixed rate basis, your interest rate will remain the same for the term of the certificate, regardless if the interest rate changes during the time that you have your certificate open.

CASH MANAGEMENT
- To help you save on a monthly basis, we can set up an auto transfer from your checking account to your savings account. You tell us how much and we do the rest.

FLNB OVERDRAFT PROTECTION
- If the balance in your checking account is not sufficient to pay a check, money can be transferred from your savings account or your money market account to prevent an overdraft and the related service charge. The cost of this service is $2.00 per daily transfer.

FLNB ONLINE BANKING

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