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Certificate of Deposit


Certificate of Deposit

Apply NowChoose from attractive rates and terms to fit your savings goals, and fund from your FNBO Direct Online Savings Account or your other bank accounts.

Every FNBO Direct CD offers:

  • Guaranteed earnings1
  • Automatic renewal2
  • Optional withdrawal of all funds in your CD at maturity

Account Features

Online Banking

Manage your finances - and your peace of mind - simply and securely.

Mobile Banking

Safely and securely access your FNBO Direct accounts anywhere, anytime with our mobile app.

1FNBO Direct Online CD's Annual Percentage Yield is accurate as of   and is subject to change after that date. Rates are fixed until your initial maturity after the account is opened. Fees may reduce earnings. A penalty may be imposed for early withdrawal. The minimum deposit to open the account and the minimum balance to obtain the APY is $500.00. Maximum principal deposit balance: $1,000,000. See the Disclosures for additional information and limitations.

CD accounts will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty. This account will not renew if you withdraw the funds on the maturity date or if we receive written notice from you on or before the maturity date of your intention not to renew.