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The Working Bank For Working People keeps your money working, too. Choose from a variety of FDIC insured accounts that pay competitive yields and provide friendly local service from people you know.
Pay yourself as regularly as you are paid. Begin saving every payday in
a Regular Savings Account at FNB. You get a good rate, convenient
access to your funds and friendly service from people you know and
trust. You can even ask us to transfer funds weekly or monthly from
your FNB checking account to your savings account.
- Interest Rate / APY or Call Phone List for current rates
- Minimum balance required is only $10
- $3 quarterly maintenance fee if balance falls below $10
- You may make up to 6 withdrawals per quarter at no charge
- There is a $1 fee per withdrawal in excess of 6 per quarter
- Interest paid quarterly on your quarterly account statement
- Minimum opening deposit of $10 required
Keep your higher balance savings working as hard as you do with a
Working Money Account. This account pays a higher rate of interest than
does our regular savings. Working Money requires $5000 to open and earn
interest (APY). You can deposit funds into this account often or ask us
to make regular transfers from your checking account into your Working
Money account. Click Here for Current Rates and Terms.
- This
is a variable rate account with tiered balance requirements. The
interest rate and Annual Percentage Yield paid on this account will
vary depending on the balance in the account. Interest rates are
subject to change weekly.
- Interest Rate / APY or Call Phone List for current rates
- Minimum deposit of $5000 required to open and to earn the stated interest rate and Annual Percentage Yield (APY).
- No monthly maintenance fee
- No interest will accrue when the balance falls below $5000.
- Interest will be credited each month on the last day of the monthly statement cycle.
- You may make up to 6 transfers from this account per month, of which 3 may be payments by check to third parties.
- No per item fee for checks/debits
First National Bank’s Certificates of Deposit (CD) pay high-yield
interest on your investment. You choose from a wide range of terms from
a few weeks up to a few years. You can deposit $1000 or more in a CD.
You pay NO fees and your money is insured by FDIC (up to $100,000 per
depositor). A CD from First National assures your principal and pays a
good return. That way, you can keep your money working as hard as you
do. Earn your keep and keep your earnings with a CD from First National
Bank.
Click Here for Current Rates and Terms.
Keep your retirement plan working as hard as you do. FNB offers
Traditional, Roth and Educational (Coverdale) IRAs. Begin with as
little as $100 and make regular deposits in order to reach your goals. With FNB you pay NO FEES and your money is insured by FDIC (up to $100,000 per depositor IRA) . An I.R.A. from First National is a solid investment. You will not lose principal due to market fluctuations with an IRA from FNB. Earn your keep and keep your earnings with a I.R.A. from First National Bank. Don't put off saving for your retirement another day.
Click Here for Current Rates and Terms.
Make your holidays brighter with a Christmas Club account. A generous interest rate of 4.00% Annual Percentage Yield is certain to add pleasure your holiday shopping. (The 4.00% interest rate is for the October 2008-2009 plan year.) Start a Christmas Club account with as little as $10. Your savings add up quickly if you make weekly or monthly automatic transfers from your checking or savings account. Or make deposits at the teller window. If your employer participates in our payroll deduction program, funds may be withheld from your pay and deposited directly into your Christmas Club account. During the third week of October a check will be mailed to you for the balance of your Christmas Club account including the interest earned.
Terms and Conditions of the Christmas Club Account:
•Monthly or Annual Fees: NONE
•Early Withdrawal Fee: $10 per each early withdrawal
•Interest will be paid at the end of the club plan which is generally the third week of October.
•Interest will not be paid on a Christmas Club account if the account is closed prior to the end of the club plan.
•The maximum balance allowed in a Christmas Club account is $2,500.00 (excluding interest earned).
•Two Christmas Club account may be opened per each household.
The following applies to all interest bearing accounts listed on this
schedule of fees and services. The interest rate and Annual Percentage
Yield (APY) are subject to change weekly.
- Balance
Computation Method: We use the daily balance method to calculate the
interest on your account. This method applies the daily periodic rate
to the principal in the account on each day. Interest is paid
(credited) and compounded monthly, except for Regular Savings which is
paid (credited) and compounded quarterly.
- Accrual:
Interest begins to accrue no later than the day we receive full credit
for the deposit of non-cash items (for example checks)
- All interest bearing accounts are variable rate accounts. We may change the rate at our discretion.
- If
you close your account before interest is credited, you will receive
interest only if you notify us at the time of closing. If you do not
tell us you are closing your account you will not receive your accrued
interest.
- Effect of Fees: fees may reduce earnings.
First National Bank • Equal Housing Lender • Member FDIC
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