First National Bank of Fort Smith

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First National Bank

First National Bank of Fort Smith
P. O. Box 7
Fort Smith, Arkansas 72902

Tel: 479-788-4600 (Call Center)
Call Center Hours:
7:00 a.m. - 6:00 p.m. Mon-Fri
9:00 a.m. - 2:00 p.m. Sat

Rates

Interest Rates as of 11/25/2008

INTEREST

CHECKING
A.P.Y.*

RATE

Money Market Checking 0.20% 0.20%

Prestige Platinum Checking
and First Freedom Account Minimum Balance:

Less than $5,000 0.20% 0.20%

$5,000 and over 0.40% 0.40%

SAVINGS

Regular Savings 0.50% 0.50%

Money Market Savings Minimum Balance:

Less Than $10,000.00
0.50% 0.50%

$10,000.00 to $24,999.99 0.75% 0.75%

$25,000.00 to $49,999.99
0.90% 0.90%

$50,000.00 to $99,999.99
1.00% 1.00%

$100,000.00 and Over 1.11% 1.10%

FIXED RATE -
CERTIFICATE OF DEPOSITS

9 Month CD Special **
2.73% 2.70%

19 Month CD Special **
3.04% 3.00%

Term:
Minimum Balance

180 Days to 1 Year
$1,000.00 1.40% 1.40%

1 Year 1.50% 1.50%

2 Year 1.75% 1.75%

3 Year 2.00% 2.00%

30 to 89 Days $5,000.00 1.51% 1.50%

90 to 179 Days 2.02% 2.00%

180 to 364 Days 2.12% 2.10%

1 Year 2.22% 2.20%

2 Year 2.32% 2.30%

3 Year 2.53% 2.50%

7 to 29 Days $50,000.00 1.41% 1.40%

30 to 89 Days 1.76% 1.75%

90 to 179 Days 2.11% 2.10%

180 to 364 Days 2.22% 2.20%

1 Year 2.32% 2.30%

2 Year 2.43% 2.40%

3 Year 2.63% 2.60%

7 to 29 Days $500,000.00 1.51% 1.50%

30 to 89 Days 1.86% 1.85%

90 to 179 Days 2.21% 2.20%

180 to 364 Days 2.32% 2.30%

1 Year 2.43% 2.40%

2 Year 2.53% 2.50%

3 Year 2.73% 2.70%

VARIABLE RATE -
CERTIFICATE OF DEPOSIT

1 to 2 years
$1,000.00 0.49% 0.49%

INDIVIDUAL RETIREMENT ACCOUNT

Variable Rate
0.99% 0.99%

Fixed Rate (1-Year)
2.70% 2.70%

*The Annual Percentage Yield (APY) on the quoted above is based upon interest added back to the account balance on a monthly basis (with the exception of IRA Variable Rate and $1,000.00 CD's, interest is paid at maturity.) The APY assumes that the initial deposit and interest will remain on deposit for one (1) year. Withdrawal of interest earned will reduce the APYs. Substantial penalty for early withdrawal. Interest Rates are subject to change without notice. Variable Rate CD's may change after the account is opened. On Checking and Savings Accounts, Service Charge fees could reduce the earnings.

Opening Balance Requirements; Checking $100.00, Savings $25.00, CD's $1,000.00, IRA's No Minimum. For further information, please see an account representative.
** This CD Special is limited to FNB Customers with DDA Accounts.

*The Annual Percentage Yield (APY) on the quoted above is based upon interest added back to the account balance on a monthly basis (with the exception of IRA's and $1,000.00 CD's, interest is paid at maturity.) The APY assumes that the initial deposit and interest will remain on deposit for one (1) year. Withdrawal of interest earned will reduce the APYs. Substantial penalty for early withdrawal. Interest Rates are subject to change without notice. Variable Rate CD's may change after the account is opened. On Checking and Savings Accounts, Service Charge fees could reduce the earnings.

Opening Balance Requirements; Checking $100.00, Savings $25.00, CD's $1,000.00, IRA's No Minimum. For further information, please see an account representative.