Savings Account

This traditional savings account is a convenient way to save.  Your account balance earns daily interest which is compounded and paid quarterly.  You can open a regular savings account with an initial deposit of $100.  A service charge of $2.00 per quarter will be charged if the average daily balance in the account falls below $100.  An excessive transaction fee of $5.00 will be charged for each withdrawal over six per month.  The minimum balance fee and initial deposit requirement will not apply to persons ages 21 and under.

Certificates of Deposit

Minimum initial deposit is $1,000.  The interest rate is fixed for the term of the deposit, and additional deposits are not permitted.  Because you leave the funds on deposit for a certain time period, you receive a higher interest yield.  If, however, you wish to withdraw the funds before maturity, there will be a substantial penalty for early withdrawal.

IRA's

Whatever your IRA needs are, we can offer custom solutions to fit your needs.  Whether you are making a normal yearly contribution, a transfer or rollover, First National Bank offers both Traditional and Roth IRA's.  We put all of our IRA's into Certificates of Deposit to maximize growth while being FDIC insured.