Variable, set at bank's discretion. Interest compounds daily using daily balance, credited quarterly.

First National Bank of Central Florida is a Member of the Federal Deposit Insurance Corporation ("FDIC"). All deposit accounts are FDIC insured up to $100,000. Customers choose their bank statements to be sent by email, paper copy or CD Rom. Accounts closed before interest is credited will not receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Except for CD's and IRA's, interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Contact the customer service representative at the office nearest you or call In-Touch 24 (1-800-869-9456) for the current annual percentage yields, fees, and other information concerning our accounts. On all variable interest bearing accounts: the interest rate and annual percentage yield may change; at our discretion, we may change the interest rate on your account at any time. Balance to Avoid Maintenance Fee section: the average daily balance is calculated by adding the principal in the combined accounts for each day of the period and dividing that figure by the number of days in the period.

For a complete account disclosure, please visit one of our branch office locations or contact customer service.