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*Annual Percentage Yield (APY) is accurate as of 10/13/2015 and applies to new money. New money is defined as funds not currently on deposit with FNCB. Minimum deposit to open the account and obtain the advertised APY is $1,000. Interest is compounded quarterly and will be credited quarterly to your account. Under the escalator option, you can exchange your CD interest rate to match a current FNCB rate for a CD with the same original term once at any time during the initial term and once at any time during each renewal term. At maturity, 24 month CD will automatically renew to a 24 month term unless the Bank has notified you otherwise. Penalty for early withdrawal may apply. Offer may change or discontinue at any time. FNCB. Member FDIC.