The First National Bank of Pandora savings, CD and money market rates
The First National Bank of Pandora's Ohio Homebuyer Plus lists 5.50% APY on balances of $25,000 or less, and 3.21% on larger balances. That is 5.12 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #5 of 3121 tracked savings rates by advertised APY. For a $10,000 balance it would rank #2.
Estimate your earnings·What The First National Bank of Pandora actually pays
The First National Bank of Pandora at a glance
| Savings | |
|---|---|
| Top savings APY | 5.50% · Ohio Homebuyer Plus · $25,000 or less only |
| Minimum to open | $500 · Ohio Homebuyer Plus |
| Against the national average | 5.12 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 3.56% · 7 months · 7-Month CD Special |
| Minimum to open | $5,000 · 7 months CD |
| Against the national average | 2.17 percentage points above the 1.39% FDIC 6-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 2.07% · Hi-Fi Money Market Account · needs at least $1,000,000 |
| Minimum to open | $50 · Hi-Fi Money Market Account |
| Against the national average | 1.44 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 6671 · Pandora, OH |
|---|---|
| Website | www.e-fnb.com |
| Branches | 7 branches in OH |
| Availability | Available in OH |
The First National Bank of Pandora savings, CD and money market rates
Personal
How the rate applies
How the rate applies
How the rate applies
IRA
Rates are APY. 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.
The First National Bank of Pandora CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 0.75% | $1,000 | 90-Day CD |
| 6 months | 1.01% | $1,000 | 6-Month CD |
| 7 months | 3.56% | $5,000 | 7-Month CD Special |
| 12 months | 1.36% | $1,000 | 12-Month CD |
| 18 months | 1.46% | $1,000 | 18-Month CD |
| 24 months | 1.56% | $1,000 | 24-Month CD |
| 25 months | 3.56% | $5,000 | 25-Month CD Special |
| 30 months | 1.66% | $1,000 | 30-Month CD |
| 31 months | 3.25% | $5,000 | 31-Month CD Special |
| 36 months | 1.77% | $1,000 | 36-Month CD |
| 48 months | 2.02% | $1,000 | 48-Month CD |
| 60 months | 2.78% | $1,000 | 60-Month CD |
Interactive Tool
Calculate Savings for The First National Bank of Pandora
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$2,197.90(13.6%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$16,197.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What The First National Bank of Pandora 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 5.50% applies to balances of $25,000 or less. A larger balance earns 3.21% on the whole amount.
In Q2 2026, The First National Bank of Pandora paid a higher average rate on savings and money market deposits than 55% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- The First National Bank of Pandora, 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 | ||||||||
| Ohio Homebuyer Plus | 5.50% | $500 | $0 | $25,000 | not stated | not stated | Tiered | |
| Fine print: The stated rate applies only to the first $25,000. Balances above that earn a lower blended rate, and the account cannot hold more than $100,000. The account must be used within five years, must keep a balance of at least $500, and the customer must agree to the Ohio Homebuyer Plus Participation Agreement before opening it. | ||||||||
| First Choice Rewards Savings | 0.30% | $1 | $0 | None | No Monthly Service Charge | Linked account at the bank · direct deposit not stated | One rate | |
| Fine print: The stated rate is earned only when the monthly qualification cycle on a linked First Choice Rewards Checking account is met. If it is not met, every balance earns a much lower rate. The stated rate also applies only to the first $25,000; balances above that earn a blended rate. | ||||||||
| Simply Savings | 0.25% | $25 | $0 | None | $4.00 monthly service charge, waived with a $200.00 minimum average daily balance | not stated | One rate | |
| Moola Moola | 0.25% | $5 | $0 | None | Earns interest with no monthly service charge | not stated | One rate | |
| Fine print: The bank matches the opening deposit up to $25, limited to one match per minor Tax ID number per year. The account changes to a Student Savings account when the account holder turns 14. | ||||||||
| Student Savings | 0.25% | $25 | $0 | None | Earns interest with no monthly service charge | not stated | One rate | |
| Vacation Club | 0.25% | $1 | $0 | None | not stated | not stated | One rate | |
| Fine print: The balance is credited back to the customer each May. Two additional withdrawals are allowed in each calendar year. | ||||||||
| Christmas Club | 0.25% | $1 | $0 | None | not stated | not stated | One rate | |
| Fine print: The entire balance is credited to the customer each October. | ||||||||
| Health Savings Account | 0.11% | $25 | $0 | None | To avoid a monthly service charge of $3.00, keep a $500.00 minimum average daily balance or have a monthly direct deposit into the account., can be waived | not stated | Tiered | |
| Hi-Fi Money Market Account | Up to 2.07% | $50 | $0 | None | $15.00 monthly service charge, avoided with a $5,000.00 minimum average daily balance | not stated | Tiered | |
| IRA | ||||||||
| Variable Rate Retirement Account (IRA) | 2.78% | $100 | $0 | None | not stated | not stated | One rate | |
| Fine print: The term is 18 months and the rate is variable, so it can change after the account is opened. | ||||||||
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 |
|---|---|---|---|---|---|
| 90-Day CD | 3 months | 0.75% | $1,000 | not stated | not stated |
| 6-Month CD | 6 months | 1.01% | $1,000 | not stated | not stated |
| 7-Month CD Special | 7 months | 3.56% | $5,000 | not stated | not stated |
| 12-Month CD | 12 months | 1.36% | $1,000 | not stated | not stated |
| 18-Month CD | 18 months | 1.46% | $1,000 | not stated | not stated |
| 24-Month CD | 24 months | 1.56% | $1,000 | not stated | not stated |
| 25-Month CD Special | 25 months | 3.56% | $5,000 | not stated | not stated |
| 30-Month CD | 30 months | 1.66% | $1,000 | not stated | not stated |
| 31-Month CD Special | 31 months | 3.25% | $5,000 | not stated | not stated |
| 36-Month CD | 36 months | 1.77% | $1,000 | not stated | not stated |
| 48-Month CD | 48 months | 2.02% | $1,000 | not stated | not stated |
| 60-Month CD | 60 months | 2.78% | $1,000 | not stated | not stated |
Opening and using the account
| Availability | Available in OH |
|---|---|
| Footprint | 7 branches in OH |
| Eligibility | Participants must be an Ohio resident at least 18 years of age, have their primary residence in Ohio, and use the account proceeds only toward the down payment or closing costs of a home purchased in Ohio that becomes their primary residence. |
How The First National Bank of Pandora behaves over time
Every observation of the advertised Ohio Homebuyer Plus rate in the last 12 months was 5.50% (observed through Oct 26, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 21, 202690-Day CDRaise:0.50%to0.75%
- Obs. Oct 21, 20266-Month CDRaise:0.75%to1.01%
- Obs. Oct 21, 20267-Month CD SpecialRaise:3.45%to3.56%
- Obs. Oct 21, 202612-Month CDRaise:1.11%to1.36%
- Obs. Oct 21, 202618-Month CDRaise:1.21%to1.46%
- Ohio Homebuyer Plus
- The same as 30 days ago.
- 7 months CD
- Up 0.11 percentage points from 7 days ago.
$10,000 at the 5.50% APY The First National Bank of Pandora advertises on Ohio Homebuyer Plus grows to $10,550 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 $10,170 does today. See how the federal funds rate shapes savings rates.
The First National Bank of Pandora CD rates over time
Who is The First National Bank of Pandora?
| Headquarters | Pandora, OH |
|---|---|
| Founded | 1919 |
| Scale | $299M assets · $275M deposits, $256M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 6671 |
| Charter state | Ohio · one of 157 insured banks chartered there (Q2 2026, FDIC) |
| Size | 2,355th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 70% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What The First National Bank of Pandora pays on deposits above.
Common questions about The First National Bank of Pandora
Is The First National Bank of Pandora FDIC insured?
Yes. The First National Bank of Pandora is FDIC insured under certificate 6671, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at The First National Bank of Pandora?
The First National Bank of Pandora requires a minimum deposit of $500 to open its Ohio Homebuyer Plus account, as observed on Oct 26, 2026. Check the bank's current terms before you open an account.
Does the 5.50% apply to my whole balance?
The 5.50% applies to balances of $25,000 or less. A larger balance earns 3.21% on the whole amount. Rates are as observed on Oct 26, 2026.
Does The First National Bank of Pandora have branches?
Yes. The First National Bank of Pandora operates 7 branches according to FDIC branch records, in addition to its website and mobile apps.
The First National Bank of Pandora 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 Pandora | 5.50% | 1.58% | $500 | 7 branches in OH |
| Independence State Bank | 5.30% | 0.96% | $0 | 3 branches in WI |
| Fidelity Bank & Trust | Up to5.12% | 1.00% | $50 | 36 branches in IA, IL, MN, WI |
| The Bennington State Bank | 5.10% | 1.97% | $0 | 15 branches in KS |
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 Pandora'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 Pandora in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Ohio, money market rates in Ohio, and banks in Ohio.