The First National Bank of Waverly CD rates
The First National Bank of Waverly offers 3.98% APY on its 6-month CD. That is 2.59 percentage points above the national 6-month CD average of 1.39% (FDIC, Oct 2026).
The First National Bank of Waverly at a glance
| CDs | |
|---|---|
| Top CD APY | 3.98% · 6 months · 6 Month CD Special |
| Minimum to open | $1,000 · 6 months CD |
| FDIC certificate | 6725 · Waverly, OH |
|---|---|
| Website | www.thefirstnational.com |
| Branches | 4 branches in OH |
The First National Bank of Waverly CD rates
Personal
IRA
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.
The First National Bank of Waverly CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| not stated | 0.90% | $1,000 | 7 to 364 Day CD |
| 6 months | 3.98% | $1,000 | 6 Month CD Special |
| 12 months | 3.72% | $1,000 | 12 Month CD Special |
| 12-17 months | 1.11% | $1,000 | 12 to 17 Month CD |
| 18-23 months | 1.16% | $1,000 | 18 to 23 Month CD |
| 24-36 months | 1.21% | $1,000 | 24 to 36 Month CD |
| 37-48 months | 1.26% | $1,000 | 37 to 48 Month CD |
| IRA CDs | |||
| 3-12 months | 1.00% | $1,000 | IRA 91 to 364 Day CD |
| 12-17 months | 1.16% | $1,000 | IRA 12 to 17 Month CD |
| 18-23 months | 2.94% | $1,000 | IRA 18 to 23 Month CD |
| 24-29 months | 1.26% | $1,000 | IRA 24 to 29 Month CD |
| 30-47 months | 1.31% | $1,000 | IRA 30 to 47 Month CD |
| 48 months | 1.36% | $1,000 | IRA 48 Month CD |
What The First National Bank of Waverly pays on deposits
FDIC call report data
This section shows how the bank has priced the savings and money market deposits it already holds, over time. 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.
In Q2 2026, The First National Bank of Waverly paid a higher average rate on savings and money market deposits than 4% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- The First National Bank of Waverly, 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 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?
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 7 to 364 Day CD | not stated | 0.90% | $1,000 | not stated | not stated |
| Fine print: The term is chosen when the account is opened, from 7 to 364 days. The maximum deposit is $250,000. Public funds and jumbo certificates are not accepted. | |||||
| 6 Month CD Special | 6 months | 3.98% | $1,000 | not stated | not stated |
| 12 Month CD Special | 12 months | 3.72% | $1,000 | not stated | not stated |
| 12 to 17 Month CD | 12-17 months | 1.11% | $1,000 | not stated | not stated |
| 18 to 23 Month CD | 18-23 months | 1.16% | $1,000 | not stated | not stated |
| 24 to 36 Month CD | 24-36 months | 1.21% | $1,000 | not stated | not stated |
| 37 to 48 Month CD | 37-48 months | 1.26% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| IRA 91 to 364 Day CD | 3-12 months | 1.00% | $1,000 | not stated | not stated |
| IRA 12 to 17 Month CD | 12-17 months | 1.16% | $1,000 | not stated | not stated |
| IRA 18 to 23 Month CD | 18-23 months | 2.94% | $1,000 | not stated | not stated |
| IRA 24 to 29 Month CD | 24-29 months | 1.26% | $1,000 | not stated | not stated |
| IRA 30 to 47 Month CD | 30-47 months | 1.31% | $1,000 | not stated | not stated |
| IRA 48 Month CD | 48 months | 1.36% | $1,000 | not stated | not stated |
Fine print for 12 CDs above: The maximum deposit is $250,000. Public funds and jumbo certificates are not accepted.
How The First National Bank of Waverly behaves over time
- 6 months CD
- The same as 30 days ago.
- Rate last changed
- Sep 2, 2026(effective date)
$10,000 at the 3.98% APY The First National Bank of Waverly advertises on 6 Month CD Special grows to $10,398 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 $10,023 does today. See how the federal funds rate shapes savings rates.
The First National Bank of Waverly CD rates over time
Who is The First National Bank of Waverly?
| Headquarters | Waverly, OH |
|---|---|
| Founded | 1901 |
| Scale | $196M assets · $173M deposits, $130M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 6725 |
| Charter state | Ohio · one of 157 insured banks chartered there (Q2 2026, FDIC) |
| Size | 2,945th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 3% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What The First National Bank of Waverly pays on deposits above.
Common questions about The First National Bank of Waverly
Is The First National Bank of Waverly FDIC insured?
Yes. The First National Bank of Waverly is FDIC insured under certificate 6725, so deposits are covered up to $250,000 per depositor, per ownership category.
Does The First National Bank of Waverly have branches?
Yes. The First National Bank of Waverly operates 4 branches according to FDIC branch records, in addition to its website and mobile apps.
Similar banks and related pages
Other banks chartered in Ohio, nearest to The First National Bank of Waverly in deposits:
Rate hubs: today's highest savings rates, and CD rates by term.
State pages: banks in Ohio.