Specials

1.51% APY-Prime Flex*

Earn up to 1.31% APY

Centennial Savings Acct **

*Interest rate and annual percentage yield (APY) may change. The interest rate on the account is based on the Wall Street Journal Prime Rate, minus a margin of 3.00%. We may change the interest rate on the account daily. Interest rate and annual percentage yield effective as of October 8, 2008. The minimum opening deposit and amount needed to earn the APY is $5,000.00. This product is a 24 month term. Minimum additional deposits in $100.00 increments. You may not make any withdrawals from the account until maturity. A penalty will be imposed for early withdrawals. Annual percentage yield (APY) assumes interest remains on deposit until maturity. Lower interest rate and APY apply if interest does not remain on deposit until maturity. Withdrawals will reduce earnings.

**New money only; minimum balance of $10,000 to open account. Must have FNB checking account with a minimum balance of $500.00 to obtain the annual percentage yield (APY). This is a variable rate product. The interest rate and APY may change daily. Minimum balance of $50,000 required to obtain APY. APY is accurate as of 10/08/08. Rate subject to change without notice. (other tiers: $25,000-$49,999.99 - 1.21% APY;$10,000- $24,999.99 1.11% APY; $5,000-$9,999.99 -0.50% APY; $0.01-$4,999.99 - 0.15% APY). Minimum balance of $10,000 in savings account AND $500 in checking account required to avoid monthly fee. Fees may reduce earnings.

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FDIC