Voice Access telephone banking over phone number (866) 859-2525 will be discontinued on October 11, 2026. We will no longer be able to provide this service. Please contact us if you would like assistance with setting up Mobile Banking through our FNB in Philip mobile app.
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Great rates for great people like you

*Rates accurate as of August 26, 2026

Certificate of Deposit

Account Type Interest Rate Annual Percentage Yield Minimum Balance
3 Month 3.10% 3.13% $1,000.00
6 Month 3.20% 3.23% $1,000.00
1 Year 3.25% 3.29% $1,000.00
2 Year 3.35% 3.39% $1,000.00
3 Year 3.40% 3.44% $1,000.00
4 Year 3.45% 3.45% $1,000.00

* A substantial penalty may be charged on early withdrawal of any Certificate of Deposit
* Fees may reduce stated earnings.

Savings

Account Type Interest Rate Annual Percentage Yield Minimum Balance
Regular Savings 1.35% 1.36% $25.00

* Rates may change after the account is opened.
* Fees may reduce stated earnings.

Cash Management (CMA) Account

Account Size Interest Rate Annual Percentage Yield Minimum Balance
Less Than $2,500.00 1.35% 1.36% $2,500.00
$2,500.00 - $24,999.99 1.65% 1.66% $2,500.00
$25,000.00 - $49,999.99 1.95% 1.97% $2,500.00
$50,000.00 - $99,999.99 2.25% 2.27% $2,500.00
$100,000.00 - $199,999.99 2.55% 2.58% $2,500.00
Over $200,000 2.85% 2.89% $2,500.00

* Rates may change after the account is opened.
* Fees may reduce stated earnings.

Checking Accounts

Account Type Interest Rate Annual Percentage Yield Minimum Balance
NOW Checking 1.00% 1.00% $1,500.00
Health Savings 1.25% 1.26% $5.00

* Rates may change after the account is opened.
* Fees may reduce stated earnings.

Individual Retirement Accounts (IRA)

Account Type Interest Rate Annual Percentage Yield Minimum Balance
IRA Open Account 3.50% 3.55% $5.00

* Rates may change after the account is opened.
* Fees may reduce stated earnings.