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CDs & IRAs

Certificates of Deposit (CDs)

Our certificates of deposit are available for various terms and rates. Call one of our personal banking officers to see if you qualify for a higher rate.

Individual Retirement Account(IRAs)

You are never too young to start saving for retirement . We offer a variety of terms for your savings convenience.


CD’s allow variety and flexibility in your savings plan with higher interest rates. We offer CD Terms from 1 month up to 5 years. You also have flexibility on how we pay your interest. It can be added to the principal of your CD, paid to you, or deposited in your checking or savings accounts. CD’s may carry penalties for early withdrawals, so plan accordingly when you choose your term. Come by and visit with a personal banker for current rates. Minimum to Open: $1,000.00.
First National Bank Winnsboro app on phone

Mobile Banking

Seamless access to your accounts with our feature packed mobile banking app.