1st National Bank of South Florida

Certificates of Deposit

Make Your Money Work For You!

If you have funds you don't need in the immediate future, a Certificate of Deposit may be the ideal way for you to save. A Certificate of Deposit provides a higher interest rate than our two savings accounts, but requires you deposit your money for a fixed time period. That period may vary from a few days to several years.

The interest rate is locked in at the time your money is deposited and will not vary during the term of the certificate. That way your earnings are guaranteed. And unlike stocks, bonds and mutual funds; the value of your CD doesn't fluctuate so your principal remains intact.

In general, larger deposits and longer deposit periods result in higher interest rates. If you have more than $100,000 to invest, be sure to ask about our Jumbo CDs.

However, with Certificates of Deposit, if you need to withdraw the principal from your account before the term of the certificate is completed, you will pay a substantial interest penalty.

CD Rates

Term	Interest Rate	Annual Percentage Yield
59-89 Days	1.57	1.58
90-179 Days	2.08	2.10
180-364 Days	2.68	2.70
1 Year	2.43	2.43
18 Months	3.07	3.05
2 Years	2.97	2.93
30 Months	3.00	2.93
3 Years	3.02	2.93
5 Years	3.11	2.93
IRA 18 Month Variable	3.07	3.05
Special 190 Day	2.91	2.93

* APY (Annual Percentage Yield) is accurate as of 5/11/2008 and subject to change without notice. Early withdrawal penalties apply.