Regular Savings Account
Start your savings journey with a small deposit and grow your money steadily with regular contributions. You can use this account to save for specific purchases or plan for unexpected expenses.
Savings
Put your savings plan into action for the short term or long range.
Your savings goals. We have the accounts to help you reach them.
Choose from various accounts designed to deliver attractive returns, no matter what goal you have in mind.
Maybe you're saving up for a special purchase or to create an emergency fund for unexpected expenses. Perhaps you're thinking with the distant future in mind while you're saving for retirement and diversifying your investment portfolio. You'll find a savings account that fits your plans at First National Bank.
Working Money Account
Your balance grows at a higher interest rate while you maintain anytime access to your cash. It's the perfect blend of growth and liquidity, especially if you typically maintain a larger balance.
Certificates of Deposit
When you have at least $1,000 to deposit, you can maximize your savings at our highest rates for several months or years with this low-risk investment.
Individual Retirement Accounts
Choose from a variety of IRA products to create your retirement savings plan and grow your money with high-yield CDs.
Personal Health Savings Account
Use this account to save money for various types of of medical, dental and vision care needs, all while enjoying specific tax advantages.
Christmas Club
Save for those special moments year-round – whether it's the holiday season or a summertime getaway – with this high-interest savings account.
Young Savers
Teach children good habits that will pay off for a long time. This is the perfect account for children up to 12 years old to start building their savings.
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.