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Personal Savings

We are sure to have the right savings account for you! Whether your saving for the future, or saving for a rainy day. Stop and look today!

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 seven years
  • $1,000.00 minimum deposit
  • 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.

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.


Money Market

  • $1,000.00 to open and maintain to draw Money Market rates
  • Interest rates are set each Tuesday, and paid statements are issued on the 30th of each month
  • 6 deposits and 6 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*

* Interest rates revert to a market determined rate. A charge per deposit or withdrawal exceeding six per month is imposed.


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.

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*
  • No interest is paid on balances below $20.00 and a charge is assessed on accounts closed less than six months after opening

* Minors, under 18, and customers age 62 and over, that notify the bank will have this charge waived.


Fee Schedule

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