FNCB Bank Simply better. Relationship CD 24 APY 12 month term $50,000 minimum to open. To qualify for the Relationship CD, you must have an FNCB Bank Relationship Checking Account. 2Minimum deposit to earn the advertised Annual Percentage Yield is $50,000. APY on balances below $50,000 is 1.75%. Periodic interest is compounded quarterly and credited monthly. At maturity, CD will automatically renew at a 12 month term at the prevailing rate. APY is accurate as of 9/27/2018 and applies only to the initial term of your certificate of deposit. Offer may be changed or discontinued at any time. Penalty may be imposed for early withdrawal. 1-877-TRY-FNCB FNCB.COM | MEMBER FDIC 80905895