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FNB of Pandora

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FNB of Pandora Rates & Review November 2026

Q: What are the current interest rates at FNB of Pandora?

Current rates for FNB of Pandora include: 12-Month CD: 1.36%, 18-Month CD: 1.46%, 24-Month CD: 1.56%, 36-Month CD: 1.77%, 48-Month CD: 2.02%, 60-Month CD: 2.78%, Savings: 0.30%, MMA: 2.07%

Q: What CD terms does FNB of Pandora offer?

FNB of Pandora CD rates are 1.36% APY for a 12 month CD, 1.46% APY for an 18 month CD, 1.56% APY for a 2 year CD, 1.66% APY for a 30 month CD, 1.77% APY for a 3 year CD, 2.02% APY for a 4 year CD and 2.78% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with FNB of Pandora for its full lineup.

Q: How many branches does FNB of Pandora operate?

FNB of Pandora currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

FNB of Pandora's 60-Month CD rates are at 2.78%, 48-Month CD rates are at 2.02%, 36-Month CD rates are at 1.77%, 30-Month CD rates are at 1.66%, 24-Month CD rates are at 1.56%. FNB of Pandora's savings rates are at 0.30%. FNB of Pandora's money market rates are at 2.07%. FNB of Pandora's checking rates are as high as 3.10%. FNB of Pandora's Auto Loan Rates are as low as 5.50%. FNB of Pandora's top CD rate of 3.71% APY on a 25 month CD is 27% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of FNB of Pandora with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.48%. Rates last updated and verified on 11/05/2026.

FNB of Pandora money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FNB of Pandora? Share your experience about FNB of Pandora by leaving a review below, or read customer reviews before you decide to use FNB of Pandora.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.48%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

FNB of Pandora

102 E Main St
Pandora, OH 45877

https://www.e-fnb.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

FNB of Pandora CD Rates

Product	Rate	APY	Term	Min. Deposit
25-Month Special CD - Relationship Bump-up	3.65%	3.71%	25-Month	-
Min Balance $5,000 Details Special term; Relationship Bump-up interest rate customers must have a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 3.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
7-Month Special CD - Relationship Bump-up	3.65%	3.71%	7-Month	-
Min Balance $5,000 Details Special term; Relationship Bump-up interest rate customers must have a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 3.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
25-Month Special CD	3.50%	3.56%	25-Month	-
Min Balance $5,000 Details Special term Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
7-Month Special CD	3.50%	3.56%	7-Month	-
Min Balance $5,000 Details Special term Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
31-Month Special CD - Relationship Bump-up	3.35%	3.40%	31-Month	$5,000
Min Deposit $5,000 Min Balance $5,000 Details Relationship Bump-up Interest Rate customers must have a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00; Minimum balance to open and maintain stated yield: $5,000.00; Term - 31-Month Special Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
31-Month Special CD	3.20%	3.25%	31-Month	$5,000
Min Deposit $5,000 Min Balance $5,000 Details Minimum balance to open and maintain stated yield: $5,000.00; Term - 31-Month Special Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
60-Month CD - Relationship Bump-up	2.90%	2.94%	60-Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Relationship Bump-up interest rate; requires a checking account, savings account or active loan with FNB; minimum balance to receive the Bump-Up is $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 2.94% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
60-Month CD	2.75%	2.78%	60-Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open and maintain stated yield: $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Variable Rate Retirement Accounts (IRAs 18-Month)	2.75%	2.78%	18 Month	$100
Min Deposit $100 Details Variable IRA rate subject to change after account is opened; customers 59 1/2 or older may withdraw a portion of funds without penalty Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 2.78% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
48-Month CD - Relationship Bump-up	2.15%	2.17%	48-Month	$1,000
Min Deposit $1,000 Min Balance $2,500 Details Relationship Bump-up customers must have a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 2.17% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
48-Month CD	2.00%	2.02%	48-Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 1.92% → 2.02% ▲ 0.10 pts · high 2.02% / low 1.92% Oct 26, 20262.02%▲ from 1.92% Oct 14, 20261.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
36-Month CD - Relationship Bump-up	1.90%	1.92%	36-Month	-
Min Balance $1,000 Details Relationship Bump-up interest rate customers must have a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.92% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
30-Month CD - Relationship Bump-up	1.80%	1.81%	30-Month	-
Min Balance $1,000 Details Relationship Bump-up interest rate customers must have a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.81% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
30-Month CD - Relationship Bump-up	1.80%	1.81%	30-Month	-
Min Balance $2,500 Details Relationship Bump-up interest rate; requires a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.81% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
36-Month CD	1.75%	1.77%	36-Month	-
Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.77% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
24-Month CD - Relationship Bump-up	1.70%	1.71%	24-Month	-
Min Balance $1,000 Details Relationship Bump-up interest rate customers must have a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
24-Month CD - Relationship Bump-up	1.70%	1.71%	24-Month	-
Min Balance $2,500 Details Relationship Bump-up interest rate customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00. Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
30-Month CD	1.65%	1.66%	30-Month	-
Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 1.41% → 1.66% ▲ 0.25 pts · high 1.66% / low 1.41% Oct 26, 20261.66%▲ from 1.41% Oct 14, 20261.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
18-Month CD - Relationship Bump-up	1.60%	1.61%	18-Month	$1,000
Min Deposit $1,000 Min Balance $2,500 Details Relationship Bump-up interest rate customers must have a checking account, savings account or active loan with FNB. Minimum balance to receive the Bump-Up is $2,500.00. Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
24-Month CD	1.55%	1.56%	24-Month	-
Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 1.31% → 1.56% ▲ 0.25 pts · high 1.56% / low 1.31% Oct 26, 20261.56%▲ from 1.31% Oct 14, 20261.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
12-Month CD - Relationship Bump-up	1.50%	1.51%	12-Month	-
Min Balance $1,000 Details Relationship Bump-up interest rate customers must have a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
12-Month CD - Relationship Bump-up	1.50%	1.51%	12-Month	-
Min Balance $2,500 Details Relationship Bump-up Interest Rate; requires a checking account, savings account or active loan with FNB; minimum balance to receive the Bump-Up is $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
18-Month CD	1.45%	1.46%	18-Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum Balance to Open and Maintain Stated Yield: $1,000.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.46% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
12-Month CD	1.35%	1.36%	12-Month	-
Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 1.11% → 1.36% ▲ 0.25 pts · high 1.36% / low 1.11% Oct 26, 20261.36%▲ from 1.11% Oct 14, 20261.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
6-Month CD - Relationship Bump-up	1.15%	1.16%	6-Month	-
Min Balance $1,000 Details Relationship Bump-up interest rate customers must have a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.16% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
CD 6-Month - Relationship Bump-up	1.15%	1.16%	6-Month	-
Min Balance $2,500 Details Relationship Bump-up interest rate customers must have a checking account, savings account or active loan with FNB. Minimum balance to receive the Bump-Up is $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 1.16% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
6-Month CD	1.00%	1.01%	6-Month	-
Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 0.75% → 1.01% ▲ 0.26 pts · high 1.01% / low 0.75% Oct 26, 20261.01%▲ from 0.75% Oct 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
90-Day CD - Relationship Bump-up	0.90%	0.90%	90-Day	-
Min Balance $1,000 Details Relationship Bump-up interest rate customers must have a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
CD 90-Day - Relationship Bump-up	0.90%	0.90%	90-Day	-
Min Balance $2,500 Details Relationship Bump-up interest rate: customers must have a checking account, savings account or active loan with FNB. Minimum balance to receive the Bump-Up is $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
90-Day CD	0.75%	0.75%	90-Day	-
Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

FNB of Pandora Savings Rates

Product	Rate	APY
First Choice Rewards Savings	0.30%	0.30%
Min Deposit $1 Min Balance $0 Details Qualifications Required; Balance: $0 to $25,000.00; 0.01% APY applies to all balances if qualifications are not met; rates apply if qualifications are met each monthly qualification cycle on First Choice Rewards Checking account Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 0.01% → 0.30% ▲ 0.29 pts · high 0.30% / low 0.01% Oct 14, 20260.30%▲ from 0.01% Sep 19, 20260.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
First Choice Rewards Savings	0.25%	0.30%
Min Deposit $1 Min Balance $25,000 Details Published APY range: 0.30% - 0.26%. Qualifications Required; Balance: $25,000.01 and over; APY range based on balance in account; 0.01% APY applies to all balances if qualifications are not met Last Updated 11/05/2026 Rate History 2 changes since Sep 19, 2026 · 5.50% → 0.30% ▼ 5.20 pts · high 5.50% / low 0.01% Oct 20, 20260.30%▲ from 0.01% Sep 27, 20260.01%▼ from 5.50% Sep 19, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Christmas Club	0.25%	0.25%
Min Deposit $1 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Simply Savings	0.25%	0.25%
Min Deposit $25 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Vacation Club	0.25%	0.25%
Min Deposit $1 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Health Savings Accounts	0.11%	0.11%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.11% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Health Savings Accounts	0.09%	0.09%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.09% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Health Savings Accounts	0.07%	0.07%
Min Deposit $25 Min Balance $1,000 Details Balance: $1,000.00 - $4,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.07% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Health Savings Accounts	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: $0 to $999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

FNB of Pandora Money Market Rates

Product	Rate	APY
Hi-Fi Money Market Accounts	2.05%	2.07%
Min Deposit $50 Min Balance $1,000,000 Details Balance: $1,000,000.00 and Higher Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 2.07% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Hi-Fi Money Market Accounts	1.25%	1.26%
Min Deposit $50 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.26% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Hi-Fi Money Market Accounts	1.05%	1.06%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.06% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Hi-Fi Money Market Accounts	0.80%	0.80%
Min Deposit $50 Details Balance: $100,000.00 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Hi-Fi Money Market	0.50%	0.50%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Hi-Fi Money Market Accounts	0.25%	0.25%
Min Deposit $50 Min Balance $0 Details Balance: $0 to $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

FNB of Pandora Checking Rates

Product	Rate	APY
First Choice Rewards Checking	3.05%	3.10%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Qualifying balance up to $10,000.00; 0.01% APY applies to all balances if qualifications are not met Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
First Choice Basic Checking	0.25%	0.25%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000.00 and Higher Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
First Choice Basic Checking	0.20%	0.20%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.20% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
First Choice Basic Checking	0.15%	0.15%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.15% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
First Choice Basic Checking	0.10%	0.10%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
First Choice Basic Checking	0.05%	0.05%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

FNB of Pandora Business Checking Rates

Product	Rate	APY
Business Interest and Non-Profit Business Checking	2.05%	2.07%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000.00 and Higher Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.07% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking	1.25%	1.26%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000.00 to $999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 1.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking	1.05%	1.06%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 1.06% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking	0.80%	0.80%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking	0.50%	0.50%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking	0.25%	0.25%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 to $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

FNB of Pandora Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	5.50%
Details As Low As; Shift into Fall promotional banner; APR* Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

FNB of Pandora Other Rates

Product	Rate	Points	APY/APR
Moola Moola	0.25%	-	0.25%
Min Deposit $5 Details Account opening bonus: First National Bank deposits up to $25.00 to match the account opening deposit; minimum deposit to open and earn the bonus is $5.00; bonus will not exceed $25.00 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Student	0.25%	-	0.25%
Min Deposit $25 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

FNB of Pandora’s Texas Ratio fell from 4.15% in Q3 2023 to 2.48% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.7 to 5.0 and its Health Grade from B to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$299M	2.48%	5.0	A+
March 31, 2026	$291M	2.60%	5.0	A+
December 31, 2025	$289M	1.03%	5.0	A+
September 30, 2025	$285M	1.22%	5.0	A+
June 30, 2025	$278M	1.77%	4.8	A
March 31, 2025	$275M	6.08%	4.6	A-
December 31, 2024	$275M	7.32%	4.2	B+
September 30, 2024	$272M	13.08%	4.6	B+
June 30, 2024	$264M	0.53%	4.2	A-
March 31, 2024	$262M	3.38%	4.0	B+
December 31, 2023	$259M	2.76%	4.1	B+
September 30, 2023	$252M	4.15%	3.7	B

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for FNB of Pandora is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather FNB of Pandora rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with FNB of Pandora's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name FNB of Pandora

Website https://www.e-fnb.com

Address 102 E Main St, Pandora, OH 45877 · Putnam

Bank Holding Company PANDORA BANCSHARES INC

FDIC Certificate # 6671

Regulator OCC

Established June 21, 1919

FDIC Insurance Date January 1, 1934

Domestic Offices 7

Total Branches 7

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.48%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8890%

Return on Equity (ROE)

12.4600%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

$298,951,000

Total Deposits

$275,136,000

Equity Capital

$21,540,000

Net Income

$1,302,000

Headquarters

Pandora

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

FNB of Pandora earned the Verified Healthy badge

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Frequently Asked Questions About FNB of Pandora

Does FNB of Pandora offer CDs?

Yes. FNB of Pandora current CD rates include its 60-Month CD at 2.78% APY, its 48-Month CD at 2.02% APY and its 36-Month CD at 1.77% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from FNB of Pandora FDIC insured?

Yes. FNB of Pandora is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at FNB of Pandora?

The highest FNB of Pandora CD rate is its 25-Month Special CD - Relationship Bump-up at 3.71% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does FNB of Pandora offer?

FNB of Pandora CD rates are 1.36% APY for a 12 month CD, 1.46% APY for an 18 month CD, 1.56% APY for a 2 year CD, 1.66% APY for a 30 month CD, 1.77% APY for a 3 year CD, 2.02% APY for a 4 year CD and 2.78% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with FNB of Pandora for its full lineup.

What is the highest savings rate at FNB of Pandora?

The highest FNB of Pandora savings rate is its First Choice Rewards Savings at 0.30% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at FNB of Pandora?

The highest FNB of Pandora money market rate is its Hi-Fi Money Market Accounts at 2.07% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at FNB of Pandora?

The highest FNB of Pandora checking rate is its First Choice Rewards Checking at 3.10% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest auto loan rate at FNB of Pandora?

The lowest FNB of Pandora auto loan rate is its Auto Loan at 5.50% APR, verified by MonitorBankRates as of November 5, 2026.

How many branches does FNB of Pandora operate?

FNB of Pandora currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, FNB of Pandora does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, FNB of Pandora provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Pandora offer online and mobile banking?

Most modern institutions like FNB of Pandora provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.e-fnb.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do FNB of Pandora rates compare?

FNB of Pandora's top CD rate of 3.71% APY on a 25 month CD is 27% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. FNB of Pandora's top rates are its 25-Month Special CD - Relationship Bump-up at 3.71% APY, its First Choice Rewards Savings at 0.30% APY, its Hi-Fi Money Market Accounts at 2.07% APY, its First Choice Rewards Checking at 3.10% APY and its Auto Loan at 5.50% APR, verified by MonitorBankRates on November 5, 2026.

Current FNB of Pandora Rates

12-Month CD1.36%
18-Month CD1.46%
24-Month CD1.56%
36-Month CD1.77%
48-Month CD2.02%
60-Month CD2.78%
Savings0.30%
MMA2.07%

Retrieved from our database of financial products. Rates subject to change.

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FNB of Pandora Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

FNB of Pandora Texas Ratio

FNB of Pandora Health Trend

FNB of Pandora CD Rates

FNB of Pandora Savings Rates

FNB of Pandora Money Market Rates

FNB of Pandora Checking Rates

FNB of Pandora Business Checking Rates

FNB of Pandora Auto Loan Rates

FNB of Pandora Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

FNB of Pandora earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About FNB of Pandora

Does FNB of Pandora offer CDs?

Are CDs from FNB of Pandora FDIC insured?

What is the highest CD rate at FNB of Pandora?

What CD terms does FNB of Pandora offer?

What is the highest savings rate at FNB of Pandora?

What is the highest money market rate at FNB of Pandora?

What is the highest checking rate at FNB of Pandora?

What is the lowest auto loan rate at FNB of Pandora?

How many branches does FNB of Pandora operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does FNB of Pandora offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do FNB of Pandora rates compare?

Current FNB of Pandora Rates

Compare to Other Banks