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Savings, CDs, & IRAs

Account Name Learn More Minimum Balance to Open Monthly Service Charge Balance to Avoid Service Charge Interest Bearing
Regular Savings More » $100 $5 / Qtr $100 Yes

Regular Savings

Regular Savings is an interest bearing account that provides the customer
with a way to accumulate funds not needed for immediate spending while earning
a moderate rate of interest on their deposited balance.

Description

  • Six free teller assisted withdrawals per quarter
    (Over six - $2 each)
  • Preauthorized transfers are limited to no more than six(6) per statement cycle
  • Free Telephone Banking
  • Free Online Banking
  • Free Mobile Banking
  • Deposits are FDIC insured
Youth Savings More » $25 $2.50 / Qtr $25 Yes

Youth Savings

Youth Savings is an interest bearing account that provides youth customers
with a way to accumulate funds not needed for immediate spending while earning
a moderate rate of interest on their deposited balance.

Description

  • Preauthorized transfers are limited to no more than six(6) per statement cycle
  • Free Telephone Banking
  • Free Online Banking
  • Free Mobile Banking
  • Deposits are FDIC insured

Primary account holder must be under age 18 and have a FNB account holder
(preferably parent or grandparent) as joint owner.

At age 18 the account will convert to a regular savings account.

Health Savings Account More » $100 $10 N/A Yes

Health Savings Account

Health Savings Accounts are for individuals who want to save for medical expenses while enrolled in a high deductible health plan.

Description

  • Savings for medical expenses you incur today and in the future
  • Accounts are portable even if you change jobs, change medical coverage, move etc.
  • Competitive interest rate
  • Contributions are fully tax deductible
  • Tax free Earnings/Withdrawals
  • Money contributed rolls from year to year
  • Interest bearing account
  • ATM / Checkcard
  • Free Telephone Banking
  • Free Online Banking
  • Free Mobile Banking
  • Deposits are FDIC insured

 *To avoid $10. monthly service charge, relationship must include a daily balance of $1,000. or maintain a combined total deposit relationship of $2,500
.
There are certain eligibility requirements by the IRS to open and maintain HSA accounts

Club Account More » $5 N/A N/A Yes

Club Account

Club Accounts are a great way to save for a specific purpose such as the
holiday season. They are designed to save funds which will only become
available on the first business day of November of each year.

Description

  • Periodic automatic transfers
  • Funds automatically deposited into checking at end of term
  • Customer chooses amount of transfer
  • Customer chooses interval time of transfers
  • Deposits are FDIC insured

 

Certificate of Deposit More » $1,000 N/A N/A Yes

Certificates of Deposits

Certificates of Deposit (CDs) provide an insured investment vehicle that guarantees a specified return 
on deposited funds.  With as little as $1,000, a customer can invest in a CD for the term of their choice, 
from 91 days to 5 years.  Interest earnings from a CD can be paid by check, deposited to a First National 
checking or savings account or added back to the CD. The CD will automatically renew at maturity.

Description

  • Interest is paid based on market conditions and length of time invested
  • Once issued, the certificate rate is fixed for the term of the CD regardless
    of rate fluctuations
  • May be purchased for a set length of time, from 91 days to 5 years
  • Automatically renewable
  • May be used as collateral for loans at preferred interest rate
  • Rate is competitive with market rates
  • Customer is guaranteed the rate at time of issue
  • Allows selection of most convenient maturity date
  • Automatically renew for additional term
  • Online Banking available
  • Mobile Banking
  • Telephone Banking
  • Deposits are FDIC insured

Early Withdrawal Penalty May Apply 

Traditional Individual Retirement Account More » $100 N/A N/A Yes

Traditional Individual Retirement Account

Traditional Individual Retirement Accounts can provide a tax deferred personal retirement fund. Your investment in a traditional IRA can grow tax free until withdrawn during retirement.

Description

  • Interest is paid based on market conditions and length of time invested
  • Automatically renewable
  • Rate is competitive with market rates
  • Allows selection of most convenient maturity date
  • Automatically renew for additional term
  • Online Banking available
  • Mobile Banking
  • Telephone Banking
  • Deposits are FDIC insured

There are certain eligibility requirements by the IRS to open and maintain IRA accounts

Roth Individual Retirement Account More » $100 N/A N/A Yes

Roth Individual Retirement Account

Roth Individual Retirement Accounts can provide a tax free personal retirement account where contributions are taxed up front. Withdrawals can be made completely tax free once certain requirements are met.
 

Description

  • Interest is paid based on market conditions and length of time invested
  • Automatically renewable
  • Rate is competitive with market rates
  • Allows selection of most convenient maturity date
  • Automatically renew for additional term
  • Online Banking available
  • Mobile Banking
  • Telephone Banking
  • Deposits are FDIC insured

 There are certain eligibility requirements by the IRS to open and maintain IRA accounts

 

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