Click above to hear Jana Dowler explain our Young Savers Account and share some ideas on how children can get started saving for the future. 

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Savings & Investments

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 earn interest and enjoy convenient access to your funds.  You can even ask us to transfer funds weekly or monthly from your FNB checking account to your savings account.

Working Money

The Working Money Account pays a competetive rate of interest.  Click Here for Current Rates and Terms.  This is a variable rate account with tiered balance requirements which meas that the interest rate and Annual Percentage Yield will vary depending on the balance in the account. Interest rates are subject to change at any time.

Certificates of Deposits

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 $250,000 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.

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 $250,000 per depositor).  An IRA from First National is a solid investment. You will not lose principal due to market fluctuations.  Earn your keep and keep your earnings with a IRA from First National Bank.

Click Here for Current Rates and Terms.

Christmas Club Accounts

Make your holidays brighter with a Christmas Club account.   The extra cash is certain to add pleasure to your holiday shopping.  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:

Health Savings Account (HSA)

A Health Savings Account (HSA) from First National Bank is a great way to save for your health care expenses while taking advantage of tax savings.  If you qualify, then an HSA offers these benefits:

Whether you qualify for an HSA, depends on your health insurance coverage.  You must be covered under an HSA-eligible high deductible health plan (HDHP) to contribute to an HSA.  An HDHP generally requires that you pay out of pocket for medical expenses incurred (excluding certain preventive care expenses) until your deductible is met.  Plan coverage kicks in after that. You should check with your insurance provider or employrer who can clarify the rules that define an HSA-eligible HDHP and to see if your health plan is HSA eligible.

In addition to having HSA eligible HDHP coverage, you:

At First National Bank, a Health Savings Account may be opened with a minimum deposit of only $100.  We offer both Self-only and Family coverage plans.  A Free Instant Issue Debit MasterCard or personalize checks may be obtained so that you may make qualified payments from your HSA account directly to your health care providers.
For more information about an HSA account, please contact one of our Customer Service Representatives.  You should also consult with your health care insurance provider to see if you qualify and with your tax professional for tax compliance advice. First National Bank does not sell health insurance directly to the public or provide advice on health coverage.  First National Bank does not provide tax preparation service or advice on tax matters.

* 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.

First National Bank • Equal Housing Lender • Member FDIC

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