Effective date: July 1, 2024

ProductDurationInterest RateMinimum Opening DepositAnnual Percentage Yield
30 Day
Certificates
30 days0.30%$2,5000.30%
90 Day
Certificates
90-179 days0.30%$2,5000.30%
180 Day
Certificates
180-364 days0.50%$2,5000.50%
1 Year Variable Rate IRA Savings1 year0.51%$500.51%
9 Month Certificates**5.01%$2,500***
10,000
5.01%
1 Year
Certificates and IRA
12-17 months0.55%$500*0.55%
24 Month
Certificates and IRA
-0.57%$500*0.57%
36 Month
Certificates and IRA
-0.63%$500*0.63%
48 Month
Certificates and IRA
-0.69%$500*0.69%
60 Month
Certificates and IRA
-0.73%$500*0.73%

Product: 30 Day
Certificates

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 30 days
  • 0.30%
  • $2,500
  • 0.30%

Product: 90 Day
Certificates

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 90-179 days
  • 0.30%
  • $2,500
  • 0.30%

Product: 180 Day
Certificates

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 180-364 days
  • 0.50%
  • $2,500
  • 0.50%

Product: 1 Year Variable Rate IRA Savings

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 1 year
  • 0.51%
  • $50
  • 0.51%

Product: 9 Month Certificates**

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 5.01%
  • $2,500***
    10,000
  • 5.01%

Product: 1 Year
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 12-17 months
  • 0.55%
  • $500
  • *0.55%

Product: 24 Month
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • -
  • 0.57%
  • $500
  • *0.57%

Product: 36 Month
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • -
  • 0.63%
  • $500
  • *0.63%

Product: 48 Month
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • -
  • 0.69%
  • $500
  • *0.69%

Product: 60 Month
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • -
  • 0.73%
  • $500
  • *0.73%

Penalty for early withdrawal
*APY for CDs one year or more are based on quarterly interest

**APY shown valid only on new money not currently on deposit with 1st National Bank of Scotia. At maturity, the CD will revert to a six month certificate of deposit.

***Valid for depositors who maintain a DDA with 1st National and deposit funds not currently on deposit at 1st National