Effective date: April 16, 2025

ProductDurationInterest RateMinimum Opening DepositAnnual Percentage Yield
30 Day
Certificates
30 days0.55%$2,5000.55%
90 Day
Certificates
90-179 days0.55%$2,5000.55%
180 Day
Certificates
180-364 days1.51%$2,5001.51%
Relationship***/New Money** Special - 9 Month CD and IRA9 months3.75%$2,5003.75%
1 Year Variable Rate IRA Savings1 year1.03%$501.03%
1 Year
Certificates and IRA
12-17 months1.57%$500*1.57%
24 Month
Certificates and IRA
-1.60%$500*1.60%
36 Month
Certificates and IRA
-1.65%$500*1.65%
48 Month
Certificates and IRA
-1.69%$500*1.69%
60 Month
Certificates and IRA
-1.72%$500*1.72%

Product: 30 Day
Certificates

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 30 days
  • 0.55%
  • $2,500
  • 0.55%

Product: 90 Day
Certificates

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 90-179 days
  • 0.55%
  • $2,500
  • 0.55%

Product: 180 Day
Certificates

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 180-364 days
  • 1.51%
  • $2,500
  • 1.51%

Product: Relationship***/New Money** Special - 9 Month CD and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 9 months
  • 3.75%
  • $2,500
  • 3.75%

Product: 1 Year Variable Rate IRA Savings

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 1 year
  • 1.03%
  • $50
  • 1.03%

Product: 1 Year
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 12-17 months
  • 1.57%
  • $500
  • *1.57%

Product: 24 Month
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • -
  • 1.60%
  • $500
  • *1.60%

Product: 36 Month
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • -
  • 1.65%
  • $500
  • *1.65%

Product: 48 Month
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • -
  • 1.69%
  • $500
  • *1.69%

Product: 60 Month
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • -
  • 1.72%
  • $500
  • *1.72%

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

**Valid on new money not currently on deposit with 1st national Bank of Scotia

***Valid for depositors who maintain a deposit account (active with deposits and/or withdrawals) or loan relationship with 1st National.