Savings Accounts That Help You Reach Your Goals
Whether you’re building an emergency fund, saving for a dream vacation, planning for retirement, or preparing for the holidays, First National Bank has a savings option to fit your needs.
Local service. Competitive options. Trusted for nearly 120 years.
Certificate of Deposit ( CD)
Lock in a competitive fixed interest rate for a set term and watch your savings grow with confidence.
Features
- Competitive fixed interest rates
- Terms ranging from 32 days to 7 years
- $1,000 minimum opening deposit
- Interest rate remains fixed for the full term
- Interest may be paid monthly, quarterly, semi-annually, annually, or at maturity
- Automatically renewable at maturity
Please Note: Early withdrawal penalties may apply.
Christmas Club
Make holiday shopping easier by saving a little throughout the year.
Our Christmas Club Account allows you to make regular deposits so you’ll have extra money available before the holiday season.
Benefits
- Convenient weekly deposit options
- Build holiday savings automatically
- Funds are distributed in October, just in time for holiday shopping
Vacation Club
Make your dream vacation a reality by saving a little throughout the year.
Whether you’re planning a family vacation, weekend getaway, cruise, or special adventure, our Vacation Club Account helps you save consistently so you’re ready when travel season arrives.
Benefits
- Convenient weekly deposit options
- Save automatically throughout the year
- Funds are distributed each April, just in time to plan your spring and summer vacations
- A simple way to budget for travel without relying on credit
Money Market
Earn a higher rate of interest while maintaining access to your savings.
Perfect for customers who maintain higher balances but still want flexibility.
Features
- Open with $1,000
- Competitive variable interest rates
- Interest credited monthly on the 30th
- Convenient access to your funds
Important Information
- Minimum balance requirements apply.
- Transaction limits of 6 deposits and 6 withdrawals are permitted each month, with the crediting of interest counting as one deposit. Service fees may apply if account requirements are not met including retaining a minimum balance of $1,000
* Interest rates revert to a market determined rate. A charge per deposit or withdrawal exceeding six per month is imposed.
Retirement Accounts (IRA)
Start planning for tomorrow with tax-advantaged retirement savings.
Whether you’re opening your first IRA or rolling over an existing retirement account, our experienced team is here to help.
We offer:
- Traditional IRA options
- Certificate of Deposit IRAs
- Assistance with rollovers*
- Personalized guidance
*Eligibility requirements apply.
Statement Savings
A simple savings account designed to help you build healthy saving habits.
Features
- Open with just $20
- Earn interest on qualifying balances
- Interest compounded daily and paid quarterly
- Online and Mobile Banking access
Please Note
*Minimum balance requirements and service charges may apply. Certain fees are waived for minors and customers age 62 and older if you notify the bank.
