Online Certificate of Deposit (61 month)

0.90%APY6

$5,000 minimum balance

SAFE & SECURE

Certificates of Deposit

  • Market-leading rates
  • Terms ranging from 13 to 61 months
  • $5,000 minimum balance
  • FDIC insured
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FAQs

A nod to our past with an eye toward the future, WauBank carries on the mission of William Waugh, one of the founders of First National Bank. The strength, stability and financial solutions Waugh and his co-founders established over 150 years ago continue today through a new online innovation called WauBank. WauBank delivers great rates, better technology, and the strength of one of the nation’s largest bank holding companies.

With WauBank, you get the financial benefit of our extraordinary rates, the convenience of online and mobile banking, plus the support of a bank with more than 150 years of experience helping people achieve their financial goals.

WauBank is an innovation of F.N.B. Corporation (NYSE: FNB). Deposit products are offered by First National Bank of Pennsylvania, the largest subsidiary of F.N.B. Corporation. First National Bank is a full-service regional bank with approximately 380 banking offices and more than $34 billion in assets.

We offer Certificates of Deposit (CDs) with a wide range of terms and some of the best rates around. We also offer High-Yield Savings Accounts with top rates that give you flexible access to your funds.

As an innovation of First National Bank, we are able to leverage all the resources of First National Bank while minimizing costs through online and mobile banking, instead of branches in your area.

None. WauBank charges no fees for opening your account and no monthly maintenance or service fees.

Funding your account is simple. You can add funds with a debit or credit card or transfer funds directly from another financial institution. You can also transfer funds to and from other bank accounts that you own through online banking once your account is opened — or add funds by check using the remote deposit capture feature of our award-winning mobile app, FNB Direct.

We provide easy, 24/7 access to your funds through our secure online banking site. Once you sign up for FNB Online Banking, you can link your account(s) to other financial institutions to make transfers and use our award-winning mobile app, FNB Direct, to manage your account on the go.

We will send you a notification when your CD reaches maturity, giving you the option to place another investment or collect your funds by check.

*ANNUAL PERCENTAGE YIELD (APY): The APY is accurate as of 8/19/2020. Open a NEW WauBank 13-month certificate of deposit (CD) special and meet the conditions set forth below to receive the APY. APY is subject to change at any time without notice. Offer applies to consumer accounts only. To be eligible for the Annual Percentage Yield (APY) of 0.70%, you must make a minimum opening deposit of $5,000. This is available on account balances of $5,000 up to $500,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a WauBank 13-month CD special and you will earn the base rate of interest in effect at that time for a 12-month CD. Fees could reduce earnings on the account. See the Consumer Fee Schedules at account opening online for further information on fees applicable to your accounts.

NYSE: FNB • Offer available in the following states: TN, MA, VA, RI, CT, AZ, FL

Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC

WauBank is a trademark of F.N.B. Corporation.

*ANNUAL PERCENTAGE YIELD (APY): The APY is accurate as of 8/19/2020. Open a NEW WauBank 19-month certificate of deposit (CD) special and meet the conditions set forth below to receive the APY. APY is subject to change at any time without notice. Offer applies to consumer accounts only. To be eligible for the Annual Percentage Yield (APY) of 0.75%, you must make a minimum opening deposit of $5,000. This is available on account balances of $5,000 up to $500,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a WauBank 19-month CD special and you will earn the base rate of interest in effect at that time for a 18-month CD. Fees could reduce earnings on the account. See the Consumer Fee Schedules at account opening online for further information on fees applicable to your accounts.

NYSE: FNB • Offer available in the following states: TN, MA, VA, RI, CT, AZ, FL

Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC

WauBank is a trademark of F.N.B. Corporation.

*ANNUAL PERCENTAGE YIELD (APY): The APY is accurate as of 8/19/2020. Open a NEW WauBank 25-month certificate of deposit (CD) special and meet the conditions set forth below to receive the APY. APY is subject to change at any time without notice. Offer applies to consumer accounts only. To be eligible for the Annual Percentage Yield (APY) of 0.80%, you must make a minimum opening deposit of $5,000. This is available on account balances of $5,000 up to $500,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a WauBank 25-month CD special and you will earn the base rate of interest in effect at that time for a 24-month CD. Fees could reduce earnings on the account. See the Consumer Fee Schedules at account opening online for further information on fees applicable to your accounts.

NYSE: FNB • Offer available in the following states: TN, MA, VA, RI, CT, AZ, FL

Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC

WauBank is a trademark of F.N.B. Corporation.

*ANNUAL PERCENTAGE YIELD (APY): The APY is accurate as of 8/19/2020. Open a NEW WauBank 35-month certificate of deposit (CD) special and meet the conditions set forth below to receive the APY. APY is subject to change at any time without notice. Offer applies to consumer accounts only. To be eligible for the Annual Percentage Yield (APY) of 0.80%, you must make a minimum opening deposit of $5,000. This is available on account balances of $5,000 up to $500,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a WauBank 35-month CD special and you will earn the base rate of interest in effect at that time for a 24-month CD. Fees could reduce earnings on the account. See the Consumer Fee Schedules at account opening online for further information on fees applicable to your accounts.

NYSE: FNB • Offer available in the following states: TN, MA, VA, RI, CT, AZ, FL

Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC

WauBank is a trademark of F.N.B. Corporation.

*ANNUAL PERCENTAGE YIELD (APY): The APY is accurate as of 8/19/2020. Open a NEW WauBank 52-month certificate of deposit (CD) special and meet the conditions set forth below to receive the APY. APY is subject to change at any time without notice. Offer applies to consumer accounts only. To be eligible for the Annual Percentage Yield (APY) of 0.85%, you must make a minimum opening deposit of $5,000. This is available on account balances of $5,000 up to $500,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a WauBank 52-month CD special and you will earn the base rate of interest in effect at that time for a 48-month CD. Fees could reduce earnings on the account. See the Consumer Fee Schedules at account opening online for further information on fees applicable to your accounts.

NYSE: FNB • Offer available in the following states: TN, MA, VA, RI, CT, AZ, FL

Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC

WauBank is a trademark of F.N.B. Corporation.

*ANNUAL PERCENTAGE YIELD (APY): The APY is accurate as of 8/19/2020. Open a NEW WauBank 61-month certificate of deposit (CD) special and meet the conditions set forth below to receive the APY. APY is subject to change at any time without notice. Offer applies to consumer accounts only. To be eligible for the Annual Percentage Yield (APY) of 0.90%, you must make a minimum opening deposit of $5,000. This is available on account balances of $5,000 up to $500,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a WauBank 61-month CD special and you will earn the base rate of interest in effect at that time for a 60-month CD. Fees could reduce earnings on the account. See the Consumer Fee Schedules at account opening online for further information on fees applicable to your accounts.

NYSE: FNB • Offer available in the following states: TN, MA, VA, RI, CT, AZ, FL

Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC

WauBank is a trademark of F.N.B. Corporation.

Open a NEW WauBank High Yield Savings account and meet the condition set forth below to receive the APY. The rate may change after the account is opened. Offer applies to consumer accounts only. To be eligible for the Annual Percentage Yield (APY) of 0.80%, you must make a minimum opening deposit of $5,000. This rate cannot be combined with other offers and is available on account balances of $5,000 and up. The tiered interest rate and APY is based upon the average daily collected balance in the account. Rates do not apply on the balances below $5,000.00. If your average daily collected balance drops below $5,000.00 in your WauBank High Yield Savings account you will not receive the APY of 0.80% on your WauBank High Yield Savings account. The current interest rate for any average daily collected balance below $5,000 is 0.25% APY, rates effective as of August 19, 2020 and rates are subject to change at any time. Interest rates are variable and are based on a tiered interest rate structure. Fees could reduce earnings on the account. See the Consumer Fee Schedule available at account opening online for further information on fees and activity restrictions applicable to your accounts. This interest rate is not available for institutions or public funds.

NYSE: FNB • Offer available in the following states: TN, MA, VA, RI, CT, AZ, FL

Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC

WauBank is a trademark of F.N.B. Corporation.

*ANNUAL PERCENTAGE YIELD (APY): The APY is accurate as of 8/19/2020. Open a NEW WauBank 13-month certificate of deposit (CD) special and meet the conditions set forth below to receive the APY. APY is subject to change at any time without notice. Offer applies to consumer accounts only. To be eligible for the Annual Percentage Yield (APY) of 0.70%, you must make a minimum opening deposit of $5,000. This is available on account balances of $5,000 up to $500,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a WauBank 13-month CD special and you will earn the base rate of interest in effect at that time for a 12-month CD. Fees could reduce earnings on the account. See the Consumer Fee Schedules at account opening online for further information on fees applicable to your accounts.

NYSE: FNB • Offer available in the following states: TN, MA, VA, RI, CT, AZ, FL

Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC

WauBank is a trademark of F.N.B. Corporation.

*ANNUAL PERCENTAGE YIELD (APY): The APY is accurate as of 8/19/2020. Open a NEW WauBank 19-month certificate of deposit (CD) special and meet the conditions set forth below to receive the APY. APY is subject to change at any time without notice. Offer applies to consumer accounts only. To be eligible for the Annual Percentage Yield (APY) of 0.75%, you must make a minimum opening deposit of $5,000. This is available on account balances of $5,000 up to $500,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a WauBank 19-month CD special and you will earn the base rate of interest in effect at that time for a 18-month CD. Fees could reduce earnings on the account. See the Consumer Fee Schedules at account opening online for further information on fees applicable to your accounts.

NYSE: FNB • Offer available in the following states: TN, MA, VA, RI, CT, AZ, FL

Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC

WauBank is a trademark of F.N.B. Corporation.

*ANNUAL PERCENTAGE YIELD (APY): The APY is accurate as of 8/19/2020. Open a NEW WauBank 25-month certificate of deposit (CD) special and meet the conditions set forth below to receive the APY. APY is subject to change at any time without notice. Offer applies to consumer accounts only. To be eligible for the Annual Percentage Yield (APY) of 0.80%, you must make a minimum opening deposit of $5,000. This is available on account balances of $5,000 up to $500,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a WauBank 25-month CD special and you will earn the base rate of interest in effect at that time for a 24-month CD. Fees could reduce earnings on the account. See the Consumer Fee Schedules at account opening online for further information on fees applicable to your accounts.

NYSE: FNB • Offer available in the following states: TN, MA, VA, RI, CT, AZ, FL

Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC

WauBank is a trademark of F.N.B. Corporation.

*ANNUAL PERCENTAGE YIELD (APY): The APY is accurate as of 8/19/2020. Open a NEW WauBank 35-month certificate of deposit (CD) special and meet the conditions set forth below to receive the APY. APY is subject to change at any time without notice. Offer applies to consumer accounts only. To be eligible for the Annual Percentage Yield (APY) of 0.80%, you must make a minimum opening deposit of $5,000. This is available on account balances of $5,000 up to $500,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a WauBank 35-month CD special and you will earn the base rate of interest in effect at that time for a 24-month CD. Fees could reduce earnings on the account. See the Consumer Fee Schedules at account opening online for further information on fees applicable to your accounts.

NYSE: FNB • Offer available in the following states: TN, MA, VA, RI, CT, AZ, FL

Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC

WauBank is a trademark of F.N.B. Corporation.

*ANNUAL PERCENTAGE YIELD (APY): The APY is accurate as of 8/19/2020. Open a NEW WauBank 52-month certificate of deposit (CD) special and meet the conditions set forth below to receive the APY. APY is subject to change at any time without notice. Offer applies to consumer accounts only. To be eligible for the Annual Percentage Yield (APY) of 0.85%, you must make a minimum opening deposit of $5,000. This is available on account balances of $5,000 up to $500,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a WauBank 52-month CD special and you will earn the base rate of interest in effect at that time for a 48-month CD. Fees could reduce earnings on the account. See the Consumer Fee Schedules at account opening online for further information on fees applicable to your accounts.

NYSE: FNB • Offer available in the following states: TN, MA, VA, RI, CT, AZ, FL

Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC

WauBank is a trademark of F.N.B. Corporation.

*ANNUAL PERCENTAGE YIELD (APY): The APY is accurate as of 8/19/2020. Open a NEW WauBank 61-month certificate of deposit (CD) special and meet the conditions set forth below to receive the APY. APY is subject to change at any time without notice. Offer applies to consumer accounts only. To be eligible for the Annual Percentage Yield (APY) of 0.90%, you must make a minimum opening deposit of $5,000. This is available on account balances of $5,000 up to $500,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a WauBank 61-month CD special and you will earn the base rate of interest in effect at that time for a 60-month CD. Fees could reduce earnings on the account. See the Consumer Fee Schedules at account opening online for further information on fees applicable to your accounts.

NYSE: FNB • Offer available in the following states: TN, MA, VA, RI, CT, AZ, FL

Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC

WauBank is a trademark of F.N.B. Corporation.

Open a NEW WauBank High Yield Savings account and meet the condition set forth below to receive the APY. The rate may change after the account is opened. Offer applies to consumer accounts only. To be eligible for the Annual Percentage Yield (APY) of 0.80%, you must make a minimum opening deposit of $5,000. This rate cannot be combined with other offers and is available on account balances of $5,000 and up. The tiered interest rate and APY is based upon the average daily collected balance in the account. Rates do not apply on the balances below $5,000.00. If your average daily collected balance drops below $5,000.00 in your WauBank High Yield Savings account you will not receive the APY of 0.80% on your WauBank High Yield Savings account. The current interest rate for any average daily collected balance below $5,000 is 0.25% APY, rates effective as of August 19, 2020 and rates are subject to change at any time. Interest rates are variable and are based on a tiered interest rate structure. Fees could reduce earnings on the account. See the Consumer Fee Schedule available at account opening online for further information on fees and activity restrictions applicable to your accounts. This interest rate is not available for institutions or public funds.

NYSE: FNB • Offer available in the following states: TN, MA, VA, RI, CT, AZ, FL

Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC

WauBank is a trademark of F.N.B. Corporation.