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The First National Bank of Sparta
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Rates

 
 
Certificate of Deposit Term* Minimum Deposit to Open Rate APY**
31 Day $2500 .20% .20%
91 Day $2500 .25% .25%
182 Day $500 .25% .25%
12 Month $500 .75% .75%
18 Month $500 .85% .85%
24 Month $500 .95% .95%
30 Month $500 1.00% 1.00%
36 Month $500 1.29% 1.30%
48 Month $500 1.59% 1.60%
60  Month $500 1.99% 2.00% 
 
Checking/Savings Minimum Deposit to Open Rate APY**
Now Account $750 .05% .05%
Super Now $1000 .10% .10%
Money Market $1000 .15% .15%
Regular Savings $100 .20% .25%
College Club $5 .55% .55%

*A penalty may be imposed for early withdrawal.
 
**Annual Percentage Yield (APY)
The APY (Annual Percentage Yield) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest  rate and the frequency of compounding for a 365-day period (366 in a  leap year). 
If you receive a periodic statement, that statement will include the APY earned on your account for the period covered by the statement.
APY listed is an estimate.  Actual APY will be based on the specific account terms and will be disclosed at account opening.