First Northern Bank and Trust Company savings, CD and money market rates
First Northern Bank and Trust Company's Royal Savings advertises 0.25% APY. That is 0.13 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
The rate needs a linked account at the bank.
Ranked #1671 of 3150 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1443.
Estimate your earnings·What First Northern Bank and Trust Company actually pays
First Northern Bank and Trust Company at a glance
| Savings | |
|---|---|
| Top savings APY | 0.25% · Royal Savings · needs a linked account at the bank |
| Minimum to open | $1,000 · Royal Savings |
| Against the national average | 0.13 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 3.70% · 9 months · 9 Month CD |
| Minimum to open | $10,000 · 9 months CD |
| Money market | |
| Top money market APY | 0.05% · Consumer Money Market Savings |
| Minimum to open | $2,500 · Consumer Money Market Savings |
| Against the national average | 0.58 percentage points below the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 7675 · Palmerton, PA |
|---|---|
| Website | www.1stnorthern.bank |
| Branches | 11 branches in PA |
| Availability | Available in PA |
First Northern Bank and Trust Company savings, CD and money market rates
Personal
How the rate applies
IRA
Business
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
First Northern Bank and Trust Company CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 0.75% | $1,000 | 91 Day CD |
| 6 months | 1.00% | $1,000 | 182 Day CD |
| 9 months | 3.70% | $10,000 | 9 Month CD |
| 12 months | 1.50% | $1,000 | 1 Year CD |
| 24 months | 3.00% | $1,000 | 2 Year CD |
| 30 months | 3.00% | $1,000 | 2½ Year CD |
| 36 months | 3.00% | $1,000 | 3 Year CD |
| 48 months | 2.50% | $1,000 | 4 Year CD |
| 60 months | 2.50% | $1,000 | 5 Year CD |
| 60 months | 2.50% | $1,000 | 5 Year Kid's CD |
| 60 months | 2.50% | $1,000 | 5 Year Royal CD |
| IRA CDs | |||
| 3 months | 0.75% | $1,000 | 91 Day IRA |
| 6 months | 1.00% | $1,000 | 182 Day IRA |
| 12 months | 1.50% | $1,000 | 1 Year IRA |
| 24 months | 3.00% | $1,000 | 2 Year IRA |
| 36 months | 3.00% | $1,000 | 3 Year IRA |
| 48 months | 2.50% | $1,000 | 4 Year IRA |
| 60 months | 2.50% | $1,000 | 5 Year IRA |
Interactive Tool
Calculate Savings for First Northern Bank and Trust Company
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$93.40(0.7%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,093.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What First Northern Bank and Trust Company pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, First Northern Bank and Trust Company paid a higher average rate on savings and money market deposits than 2% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- First Northern Bank and Trust Company, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Royal Savings | 0.25% | $1,000 | $0 | None | not stated | Linked account at the bank · direct deposit not stated | One rate | |
| Fine print: No service fee is charged on an account that meets the minimum balance requirement. The bank does not publish the fee amount for an account that falls below it. | ||||||||
| Paperless Savings | Up to 0.20% | $25 | $200 | None | not stated | not stated | Tiered | |
| Kid's Statement Savings | 0.20% | $1 | $0 | None | not stated | not stated | One rate | |
| Student Savings | 0.15% | $25 | $0 | None | not stated | Linked account at the bank · direct deposit not stated | One rate | |
| Fine print: The account converts to a personal Statement Savings Account, with that account's fees and requirements, when the holder reaches age 19, or age 24 while attending school. | ||||||||
| All Purpose Club | 0.10% | $20 | $0 | None | not stated | not stated | One rate | |
| Fine print: The account is funded by fixed weekly payments of $20.00 or more, set in $10.00 increments, and the payments must be deducted from a First Northern Bank and Trust checking or savings account. Interest is credited at maturity, and a withdrawal reduces earnings. | ||||||||
| Christmas Club | 0.10% | $10 | $0 | None | not stated | not stated | One rate | |
| Fine print: The account is funded by fixed weekly payments of $10.00, $20.00, $30.00, $40.00 or $60.00, deducted from a First Northern Bank and Trust checking or savings account. Interest is credited at maturity, and a withdrawal reduces earnings. | ||||||||
| Statement Savings | 0.05% | $25 | $0 | None | not stated | not stated | One rate | |
| Consumer Money Market Savings | 0.05% | $2,500 | $0 | None | not stated | not stated | Tiered | |
| Fine print: The opening deposit of $2,500.00 is the same figure as the top of the lowest balance band, so that band applies only to an account that has fallen below its opening deposit. | ||||||||
| Business | ||||||||
| Business Statement Savings | 0.05% | $100 | $0 | None | not stated | not stated | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 91 Day CD | 3 months | 0.75% | $1,000 | not stated | not stated |
| 182 Day CD | 6 months | 1.00% | $1,000 | not stated | not stated |
| 9 Month CD | 9 months | 3.70% | $10,000 | not stated | not stated |
| 1 Year CD | 12 months | 1.50% | $1,000 | not stated | not stated |
| 2 Year CD | 24 months | 3.00% | $1,000 | not stated | not stated |
| 2½ Year CD | 30 months | 3.00% | $1,000 | not stated | not stated |
| 3 Year CD | 36 months | 3.00% | $1,000 | not stated | not stated |
| 4 Year CD | 48 months | 2.50% | $1,000 | not stated | not stated |
| 5 Year CD | 60 months | 2.50% | $1,000 | not stated | not stated |
| 5 Year Kid's CD | 60 months | 2.50% | $1,000 | not stated | not stated |
| 5 Year Royal CD | 60 months | 2.50% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| 91 Day IRA | 3 months | 0.75% | $1,000 | not stated | not stated |
| 182 Day IRA | 6 months | 1.00% | $1,000 | not stated | not stated |
| 1 Year IRA | 12 months | 1.50% | $1,000 | not stated | not stated |
| 2 Year IRA | 24 months | 3.00% | $1,000 | not stated | not stated |
| 3 Year IRA | 36 months | 3.00% | $1,000 | not stated | not stated |
| 4 Year IRA | 48 months | 2.50% | $1,000 | not stated | not stated |
| 5 Year IRA | 60 months | 2.50% | $1,000 | not stated | not stated |
Fine print for 2 CDs above: The term is 91 days, not three calendar months.
Fine print for 2 CDs above: The term is 182 days, not six calendar months.
Opening and using the account
| Availability | Available in PA |
|---|---|
| Footprint | 11 branches in PA |
| Eligibility | Must maintain a Royal or Royal Blue Checking account to qualify for this account. |
How First Northern Bank and Trust Company behaves over time
Every observation of the advertised Royal Savings rate in the last 12 months was 0.25% (observed through Nov 2, 2026). The series includes promotional tiers where one applied.
- Royal Savings
- The same as 30 days ago.
- 9 months CD
- The same as 30 days ago.
- Consumer Money Market Savings
- The same as 30 days ago.
- Rate last changed
- Aug 26, 2026(effective date)
$10,000 at the 0.25% APY First Northern Bank and Trust Company advertises on Royal Savings grows to $10,025 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,664 does today. See how the federal funds rate shapes savings rates.
First Northern Bank and Trust Company CD rates over time
Who is First Northern Bank and Trust Company?
| Headquarters | Palmerton, PA |
|---|---|
| Founded | 1907 |
| Scale | $921M assets · $762M deposits, $506M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 7675 |
| Charter state | Pennsylvania · one of 110 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,126th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 52% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What First Northern Bank and Trust Company pays on deposits above.
Common questions about First Northern Bank and Trust Company
Is First Northern Bank and Trust Company FDIC insured?
Yes. First Northern Bank and Trust Company is FDIC insured under certificate 7675, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at First Northern Bank and Trust Company?
First Northern Bank and Trust Company requires a minimum deposit of $1,000 to open its Royal Savings account, as observed on Nov 2, 2026. Check the bank's current terms before you open an account.
Does First Northern Bank and Trust Company have branches?
Yes. First Northern Bank and Trust Company operates 11 branches according to FDIC branch records, in addition to its website and mobile apps.
First Northern Bank and Trust Company against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| First Northern Bank and Trust Company | 0.25% | 0.12% | $1,000 | 11 branches in PA |
| Adrian Bank | 0.25% | 1.02% | $100 | 3 branches in MO |
| Alliance Community Bank | 0.25% | 0.56% | $100 | 6 branches in IL |
| Anderson Brothers Bank | 0.25% | 2.57% | $50 | 27 branches in SC |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to First Northern Bank and Trust Company's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Pennsylvania, nearest to First Northern Bank and Trust Company in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Pennsylvania, and banks in Pennsylvania.