The First National Bank of Blanchester savings, CD and money market rates
The First National Bank of Blanchester advertises up to 0.95% APY on its Savings account. The 0.95% needs a balance of at least $50,000. Below that, the account advertises 0.65%.
On a $10,000 balance the account earns 0.65% overall, about $65 in a year, which is 0.28 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #818 of 2786 tracked savings rates by advertised APY. For a $10,000 balance it would rank #713.
Estimate your earnings·What The First National Bank of Blanchester actually pays
The First National Bank of Blanchester at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 0.95% · Savings · needs at least $50,000 |
| Minimum to open | $20 · Savings |
| Against the national average | 0.58 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.45% · 84 months · COD 7 Years |
| Minimum to open | $1,000 · 84 months CD |
| Money market | |
| Top money market APY | Up to 1.16% · MMDA Personal · needs at least $50,000 |
| Minimum to open | $1,000 · MMDA Personal |
| Against the national average | 0.53 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 6530 · Blanchester, OH |
|---|---|
| Website | www.fnbblanchester.com |
| Branches | 1 branch in OH |
| Availability | Available in OH |
The First National Bank of Blanchester savings, CD and money market rates
Personal
How the rate applies
How the rate applies
IRA
Business
How the rate applies
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
The First National Bank of Blanchester CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 1-5 months | 1.05% | $1,000 | COD 32-179 Days |
| 6-11 months | 1.35% | $1,000 | COD 180-364 Days |
| 12 months | 1.90% | $1,000 | COD 1 Year |
| 24 months | 2.50% | $1,000 | COD 2 Years |
| 36 months | 3.05% | $1,000 | COD 3 Years |
| 48 months | 3.30% | $1,000 | COD 4 Years |
| 60 months | 3.75% | $1,000 | COD 5 Years |
| 84 months | 4.45% | $1,000 | COD 7 Years |
| IRA CDs | |||
| 6-11 months | 1.36% | $1,000 | IRA COD 180-364 Days |
| 12 months | 1.91% | $1,000 | IRA COD 1 Year |
| 24 months | 2.52% | $1,000 | IRA COD 2 Years |
| 36 months | 3.09% | $1,000 | IRA COD 3 Years |
| 48 months | 3.34% | $1,000 | IRA COD 4 Years |
| 60 months | 3.80% | $1,000 | IRA COD 5 Years |
| 84 months | 4.52% | $1,000 | IRA COD 7 Years |
Interactive Tool
Calculate Savings for The First National Bank of Blanchester
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$244.10(1.7%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,244.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What The First National Bank of Blanchester 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. The 0.95% needs a balance of at least $50,000. Below that, the account advertises 0.65%.
In Q2 2026, The First National Bank of Blanchester paid a higher average rate on savings and money market deposits than 38% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- The First National Bank of Blanchester, 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 | ||||||||
| Savings | 0.95% | $20 | $20 | None | $4.50 monthly service charge; minimum daily balance $250.00 to avoid it., can be waived | not stated | Tiered | |
| Fine print: A $10.00 early closure fee applies if the account is closed within six months of opening. | ||||||||
| MMDA Personal | 1.16% | $1,000 | $1,000 | None | $14.00 monthly service charge; minimum daily balance $1,000.00 to avoid it., can be waived | not stated | Tiered | |
| IRA | ||||||||
| TDOA IRA | 2.07% | not stated | $0 | None | not stated | not stated | One rate | |
| Business | ||||||||
| MMDA Non-Personal | 0.95% | not stated | $2,500 | None | $24.00 monthly service charge; minimum daily balance $2,500.00 to avoid it. | not stated | Tiered | |
Fine print for 2 products above: Deposits are capped at six a month as well as withdrawals, and the monthly interest credit counts as one of the six deposits. Each deposit or withdrawal above six costs $1.00.
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 | |||||
| COD 32-179 Days | 1-5 months | 1.05% | $1,000 | not stated | not stated |
| COD 180-364 Days | 6-11 months | 1.35% | $1,000 | not stated | not stated |
| COD 1 Year | 12 months | 1.90% | $1,000 | not stated | not stated |
| COD 2 Years | 24 months | 2.50% | $1,000 | not stated | not stated |
| COD 3 Years | 36 months | 3.05% | $1,000 | not stated | not stated |
| COD 4 Years | 48 months | 3.30% | $1,000 | not stated | not stated |
| COD 5 Years | 60 months | 3.75% | $1,000 | not stated | not stated |
| COD 7 Years | 84 months | 4.45% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| IRA COD 180-364 Days | 6-11 months | 1.36% | $1,000 | not stated | not stated |
| IRA COD 1 Year | 12 months | 1.91% | $1,000 | not stated | not stated |
| IRA COD 2 Years | 24 months | 2.52% | $1,000 | not stated | not stated |
| IRA COD 3 Years | 36 months | 3.09% | $1,000 | not stated | not stated |
| IRA COD 4 Years | 48 months | 3.34% | $1,000 | not stated | not stated |
| IRA COD 5 Years | 60 months | 3.80% | $1,000 | not stated | not stated |
| IRA COD 7 Years | 84 months | 4.52% | $1,000 | not stated | not stated |
Opening and using the account
| Availability | Available in OH |
|---|---|
| Footprint | 1 branch in OH |
| Eligibility | not stated |
How The First National Bank of Blanchester behaves over time
- 12-month high
- 0.95%
- 12-month low
- 0.90%
- Advertised now
- 0.95%
- At the 12-month high
- Observed cuts, 12 months
- 0
- In a window with 2 Federal Reserve cuts
The advertised Savings rate, observed through Oct 10, 2026. The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 2, 2026SavingsRaise:0.60%to0.65%
- Obs. Oct 2, 2026MMDA PersonalRaise:0.70%to0.75%
- Obs. Oct 2, 2026MMDA Non-PersonalRaise:0.70%to0.75%
- Obs. Sep 30, 2026COD 32-179 DaysRaise:0.85%to1.05%
- Obs. Sep 30, 2026COD 180-364 DaysRaise:1.15%to1.25%
- Savings
- Up 0.05 percentage points from 30 days ago.
- 84 months CD
- Up 0.15 percentage points from 7 days ago.
- MMDA Personal
- Up 0.06 percentage points from 30 days ago.
$10,000 at the 0.95% APY The First National Bank of Blanchester advertises on Savings grows to $10,095 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,763 does today. See how the federal funds rate shapes savings rates.
- Savings APY
- Banksparency savings index
The First National Bank of Blanchester CD rates over time
Who is The First National Bank of Blanchester?
| Headquarters | Blanchester, OH |
|---|---|
| Founded | 1907 |
| Scale | $78M assets · $69M deposits, $64M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 6530 |
| Charter state | Ohio · one of 157 insured banks chartered there (Q2 2026, FDIC) |
| Size | 3,810th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 18% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What The First National Bank of Blanchester pays on deposits above.
Common questions about The First National Bank of Blanchester
Is The First National Bank of Blanchester FDIC insured?
Yes. The First National Bank of Blanchester is FDIC insured under certificate 6530, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at The First National Bank of Blanchester?
The First National Bank of Blanchester requires a minimum deposit of $20 to open its Savings account, as observed on Oct 10, 2026. Check the bank's current terms before you open an account.
Does the 0.95% apply to my whole balance?
The 0.95% needs a balance of at least $50,000. Below that, the account advertises 0.65%. Rates are as observed on Oct 10, 2026.
Does The First National Bank of Blanchester have branches?
Yes. The First National Bank of Blanchester operates 1 branch according to FDIC branch records, in addition to its website and mobile apps.
The First National Bank of Blanchester against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| The First National Bank of Blanchester | 0.95% | 1.14% | $20 | 1 branch in OH |
| Bank of Wolcott | 0.95% | 1.56% | $10,000 | 3 branches in IN |
| Interstate Bank | 0.95% | 1.40% | $200 | 2 branches in TX |
| Big Horn Federal Savings Bank | 0.96% | 1.31% | $25 | 6 branches in WY |
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 The First National Bank of Blanchester's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Ohio, nearest to The First National Bank of Blanchester in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: banks in Ohio.