First National Bank has short and long term certificates available. Various interest payment options are available such as, monthly interest checks, monthly interest transfers to your FNB account, or leaving your interest in the CD account and letting your interest earn interest.

First National Bank has a number of options available to help you plan for your retirement. Generally, FNB offers IRA certificates of deposit with terms ranging from seven days to four years. Take advantage of possible tax liability reductions while building your retirement fund. In addition to regular IRAs, we offer Spousal, Educational, and ROTH IRAs. We also accept rollovers and transfers. Competitive rates are paid on both fixed rate and variable rate IRAs.

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First National Bank of Miami is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.