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Personal Accounts



View our Savings options.
Fee Schedule

Statement Savings

Savings accounts are available paying current interest rates, computed daily and paid quarterly.

  • $20.00 required to open.
  • Accounts with a balance below $250.00 are assessed a monthly service charge. Minors, under 18, and customers age 62 and over, that notify the bank will have this charge waived.
  • No interest is paid on balances below $20.00 and a charge is assessed on accounts closed less than six months after opening.

Money Market

  • $1,000.00 to open and maintain to draw money market rates.
  • Interest rates are set each Tuesday. Interest is paid and statements are issued on the 30th of each month.
  • Six deposits and six withdrawals are permitted each month, with the crediting of interest counting as one deposit.
  • If the balance falls below $1,000.00, a service charge is imposed and interest rates revert to a market determined rate. A charge per deposit or withdrawal exceeding six per month is imposed.

Certificate of Deposit

Savings accounts are available paying current interest rates, computed daily and paid quarterly.

  • Accounts which pay higher rates of interest for a specified period of time, ranging from 32 days to three years.
  • Interest rates are fixed for the full term of the Certificate Interest can be paid monthly, quarterly, semi-annually, annually, or at maturity by check or by crediting to a savings, checking or money market account.
  • Certificates require a $1000.00 minimum deposit.

All Certificates require a substantial penalty for early withdrawal and are automatically renewable.

Christmas Club

An account designed to help meet holiday expenses, our Christmas Club Accounts are available in weekly amounts of various denominations. Checks are issued in October for use during the holiday season.

Retirement Accounts

Individual Retirement Accounts (IRA's) are available to eligible depositors. Your deposit can be made to a Certificate of Deposit or to a Time Deposit Open Account. Our personnel are trained to assist you in determining your eligibility for an IRA and to help you design a plan to meet your retirement accounts. You may also be able to "roll-over" existing retirement funds into a First National account.