*Annual Percentage Yield (APY) current as of 2/12/26 and offer is subject to change at any time without notice. Minimum CD opening deposit of $5,000. At maturity, the 7 Month (212 Day) Certificate of Deposit will automatically renew into a 6-month (182 day) term CD with a rate in effect at the time of the renewal, the 13 Month Certificate of Deposit will automatically renew into a 12-month term CD with a rate in effect at the time of the renewal, the 22 Month Certificate of Deposit will automatically renew into a 24-month term CD with a rate in effect at the time of the renewal. Fees could reduce earnings on accounts. A penalty may be imposed for early withdrawal. Advertised APY is based on semi-annual compounding of the interest. Public funds, brokerage deposit & institutional investors are not eligible for stated CD specials. The following account balance tiers and Annual Percentage Yields (APY) are accurate as of 2/12/26. Rates and tiers are subject to change and rates may vary daily: Under $10,000: 1.50%; 3.50% will apply to the following tiers: $10,000 to $49,999; $50,000 to $99,999; 3.75% applies to the following tiers: $100,000 to $249,999; $250,000 and above. Interest paid on High Yield Money Market (HYMM) is compounded and credited monthly. If HYMM closes before interest is credited, accrued interest will not be paid. Fees could reduce earnings on account. Must have/establish and maintain an FNB Checking account with a minimum ledger balance of $1,000 to be eligible to open HYMM. If associated checking account closes, becomes inactive for 12 months, or balance falls below minimum, HYMM rate will be changed to lowest tier rate. Minimum Opening Deposit for HYMM is $10,000. Offer available to consumers only (not available to businesses) and subject to change at any time.  See disclosures for details.