The First National Bank And Trust Company

Personal Banking

Certificates of Deposit

Rates and yields are effective as of Friday, November 7, 2008

Click here to open a CD online

Certificate Description	Minimum Balance to Obtain Annual Percentage Yield*	Interest Rate	Annual Percentage Yields
Certificate Description	Minimum Balance to Obtain Annual Percentage Yield*	Interest Rate	1-Month	3-Month	6-Month
30-Day	$500	1.25 %	1.26 %	N/A	N/A
60-Day	$500	1.50 %	1.51 %	1.51 %	N/A
90-Day	$500	1.75 %	1.76 %	1.76 %	1.76 %
6-Month	$500	2.10 %	2.12 %	2.12 %	2.11 %
12-Month	$500	2.90 %	2.94 %	2.93 %	2.92 %
18-Month	$500	3.00 %	3.04 %	3.03 %	3.02 %
24-Month	$500	3.05 %	3.09 %	3.09 %	3.07 %
36-Month	$500	3.25 %	3.30 %	3.29 %	3.28 %
48-Month	$500	3.30 %	3.35 %	3.34 %	3.33 %
60-Month	$500	3.35 %	3.40 %	3.39 %	3.38 %

* Minimum deposit of $5000 required for monthly compounding. Minimum deposit of $2500 required for quarterly compounding. Minimum deposit of $500 for semi-annual compounding.

** APY refers to the Annual Percentage Yield.

Jumbo Certificates of Deposit

Certificate Description	Minimum Balance to Obtain Annual Percentage Yield*	Interest Rate	Annual Percentage Yields
Certificate Description	Minimum Balance to Obtain Annual Percentage Yield*	Interest Rate	1-Month	3-Month	6-Month
30-Day	$100,000	1.35 %	1.36 %	N/A	N/A
60-Day	$100,000	1.60 %	1.61 %	1.61 %	N/A
90-Day	$100,000	1.85 %	1.87 %	1.86 %	1.86 %
6-Month	$100,000	2.20 %	2.22 %	2.22 %	2.21 %
12-Month	$100,000	3.00 %	3.04 %	3.03 %	3.02 %
18-Month	$100,000	3.10 %	3.14 %	3.14 %	3.12 %
24-Month	$100,000	3.15 %	3.20 %	3.19 %	3.17 %
36-Month	$100,000	3.35 %	3.40 %	3.39 %	3.38 %
48-Month	$100,000	3.40 %	3.45 %	3.44 %	3.43 %
60-Month	$100,000	3.45 %	3.51 %	3.49 %	3.48 %

Account Terms

The following account terms apply to all accounts in this category unless otherwise marked:

Annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

The interest rate for your account will be paid until the maturity date of your certificate.

This account will automatically renew at maturity. You will have ten (10) calendar days from the maturity date to withdraw your funds without being charged a penalty.

Once opened, you may not make deposits into or withdrawals from this account until the maturity date.

Interest begins to accrue no later than the business day you deposit noncash items (i.e., checks).

If any of the deposit is withdrawn before the maturity date, a penalty will be imposed.

Interest will be calculated on the daily balance method. This method applies a daily periodic rate to the principal in the account each day.

Featured Rates CD Rates
Loans/Mortgages	APR
Auto	6.25%
Home Equity	5.49%
Mortgages	6.16%
Education Loans	APR
Federal Stafford	6.80%
Federal PLUS	8.50%

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