First National Bank & Trust Company CD early withdrawal penalty

First National Bank & Trust Company
CD early withdrawal penalty

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Published terms reviewed; calculation inputs still required

We have reviewed the published terms below. They do not establish every detail needed for a bank-specific dollar calculation, so the estimator requires your own agreement inputs. We do not fill those gaps with assumptions.

CDtwo®

First National Bank and Trust Company describes CDtwo as allowing partial withdrawals. A withdrawal during the first seven days carries a penalty of seven days of interest. After that initial period, the product uses a replacement fee tied to the cost of replacing the original CD with one having the same maturity. The page explains that rising rates can produce a fee, while falling rates can produce a bonus.

This is the bank’s CDtwo product, not its traditional CD schedule. Its market-dependent replacement fee cannot safely be represented as a fixed number of interest days or months. Ask the bank for the replacement value and an actual withdrawal quote before relying on a dollar estimate.

TFS assisted source review: Aug 31, 2026 · Last source check: Aug 31, 2026 · Official source

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Estimate a full principal withdrawal before maturity. Amounts stay in this page and are not sent to TFS. Your institution must confirm eligibility and the final redemption quote.

Enter the terms from your disclosure

These are your inputs, not verified First National Bank & Trust Company terms. This manual model supports simple days/months of interest or all interest earned. Percentage fees, tiered formulas, special minimums, and exceptions need an institution quote.

Penalty formulaPenalty daysInterest year basisCan the penalty reduce principal?

CD principal ($)Contractual annual interest rate (%)Use the interest rate on your CD agreement, not the advertised APY.Interest still on deposit and payable ($)Exclude interest already paid out. Use your institution’s current figure.

Compare holding this CD with reinvesting the proceeds until the same maturity date.I checked that these terms apply to my product, original term, and deposit date. This is a full withdrawal before maturity, outside any special withdrawal window. Any early-holding-period minimum has been accounted for.

First National Bank & Trust CompanyCD early withdrawal penalty

Published terms reviewed; calculation inputs still required

CDtwo®

What would closing your CD cost?

Located source pages

First National Bank & Trust Company
CD early withdrawal penalty