Personal Savings
First National Bank is the right choice for savings options, because we have great savings programs to fit whatever you need. So, whether you're saving for a special event, a vacation, a college education, a home or retirement, we have the right savings tool to help you reach your goal.
Savings Accounts
Moola Moola Savings Club
Student Savings
Christmas Club
Hi-Fi Money Market Accounts
Certificates of Deposit (CDs)
Individual Retirement Accounts (IRAs)
No matter what your financial goal, a regular savings program is one of the safest, smartest ways to get there. And we have lots of ways to help you do it. Turn your dreams into a quality future for all the memories you want to save.
With a Savings Account you can earn interest, keep your money safe, and SAVE.
• $25.00 minimum opening balance
• With an average daily balance of $200.00, the $2.00 monthly service fee is waived
• Persons 24 and under, and non-profit organizations are exempt from the monthly service fee
• Interest is compounded and paid quarterly – See
Current Rates
• Detailed statements are mailed quarterly (or monthly when combined with a checking account statement)
• 24-hour access to your accounts is available through ATM, Telebanc, and Online Banking
• Automatic deposits can easily be set up to help you reach your savings goals and/or withdrawals to make your loan payments
The Moola Moola Savings Club is a special club designed for children through the age of 13 to help them learn the importance of saving money.
• $25.00 minimum opening balance
• No monthly service fee
• Club members are rewarded special prizes for their deposits based upon the amount
• Interest is compounded and paid quarterly – See
Current Rates
• At the age of 14 this account will be changed to a regular savings account with monthly service fees waived until age 25
• Detailed statements are mailed quarterly (or monthly when combined with a checking account statement)
• 24-hour access to your accounts is available through ATM, Telebanc, and Online Banking
• Automatic deposits can easily be set up to help you reach your savings goals
Student Savings is the right option to encourage saving money and convenience for students age 14 to 24.
• $25.00 minimum opening balance
• No monthly service fee
• Interest is compounded and paid quarterly – See
Current Rates
• 5 free foreign ATM transactions per month
• eStatements
• 1 free incoming wire transfer per month
• Automatically changes to a Regular Savings account at the age of 25
Christmas Club Accounts are a savings program offered to help customers save for their holiday shopping needs.
• Make deposits of $1.00 or more – weekly, semi-weekly, monthly, or at any time
• Set up an automatic payment amount on a scheduled day or use a coupon book to make deposits
• Interest is accumulated and paid at the end of the term
• Christmas Club Accounts begin in November and run through October of the following year
• No accounts may be opened after July 31 until the start of the next year’s program
• Checks are mailed to the customer at the end of the term
The Hi-Fi Money Market Account was specifically designed to offer a higher interest rate for both consumers and businesses.
• $50.00 minimum opening balance
• Interest is compounded and paid monthly – See
Current Rates
• A per check fee of $10.00 will be charged for each check paid in excess of six during the statement cycle
• With an average daily balance of $2,500.00, the $8.00 monthly service fee is waived
• No per deposit fees
• Monthly statements (combined with your other accounts if requested)
• 24-hour access to your account through ATM, Telebanc and Online Banking.
• Earn a higher interest rate on your average daily balances than regular savings accounts
Time deposits are available for the length of time you need with a higher rate of interest. See
Current Rates for terms and rates available.
• All CDs have the option to renew automatically
• There is a substantial penalty for early withdrawal
• Interest will be compounded and paid monthly – See
Current Rates
• Interest rates are subject to change daily
An IRA is a good way to save for retirement and defer taxes.
• Minimum deposit of $100.00
• Variable IRA interest rates are tied to the 60 month CD and adjusted every six months – See
Current Rates
• Interest is compounded and paid on a quarterly basis
• No annual fee
• Other IRA options are available, please call for details