Earn your keep and keep your earnings.
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.

Regular Savings
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

Working Money
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

Click Here for Current Rates and Terms.

* Disclosure For All Interest Bearing Deposit Accounts
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.

Individual Retirement Accounts
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.

First National Bank • Equal Housing Lender • Member FDIC

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