Certificate of Deposit

You'll receive a guaranteed fixed interest rate for the term of the CD, ranging from three months to five years. This provides you with a degree of certainty when it comes to your investment return.

• Minimum deposit amount is $1,000.00.
• Wide variety of terms.
• Account offers a guaranteed fixed rate for the term of the CD.
• Interest compounds quarterly.
• Interest can be credited to the CD or to an FNCB checking or savings account.
• The certificate is automatically renewable.
• An FNCB CD can be used as collateral on an FNCB loan.

This CD allows you to make additional deposits to your Fixed Rate CD. The additional minimum deposit is just $50, and additional deposits receive a guaranteed fixed rate for the term of the CD.

• Twelve month term with a minimum deposit of $500.00.
• Additional deposits must be a minimum of $50.00.
• Account offers a guaranteed fixed rate for the term of the CD.
• Interest compounds quarterly.
• Interest disposition is a quarterly credit to the CD.
• The certificate is automatically renewable.
• An FNCB CD can be used as collateral on an FNCB loan.

Earn a premium interest rate when you also have a Wow Relationship Checking account.

• Minimum deposit amount is $1,000.00.
• 6, 12, 18, 30 or 60 month terms available.
• Fixed rate for the term of the CD.
• Interest compounds quarterly.
• Interest can be credited to the CD or to a FNCB checking or savings account.

CDARS^® is one of the safest and smartest investment vehicles for investors looking to protect their large-dollar investments while earning CD-level returns that may compare favorably to Treasury and money-market-fund yields.

CDs placed through CDARS offer investors (including institutional investors, such as corporations, foundations, and endowments):

• Access to multi-million-dollar FDIC insurance;
• The ease of working through one trusted relationship, earning one rate per maturity, and receiving consolidated statements;
• The ability to forego ongoing collateral tracking;
• The power of daily compounding; and
• A finite maturity date (in contrast to auction-rate or some adjustable-rate securities).

Investing through CDARS can be a strong alternative to Treasuries. Like Treasuries, FDIC insurance is backed by the full faith and credit of the U.S. government.

For more information visit our CDARS website.

Call 1-877-879-3622, contact a commercial lender or visit the FNCB community office closest to you to learn more!