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Personal
Checking Accounts | Banclub
| Other
Products and Services
Savings and CD's
| Interest
Bearing Checking Accounts | Investment
Accounts
Consumer
and Commercial Loans | Mortgage
Loans | Trust
and Retirement
Savings and
Retirement Accounts
Statement Savings
Accounts
Pays market rate interest,
compounded quarterly. Minimum balance to open $100.00 (minor accounts
0-18 years of age, minimum to open $10.00). Withdrawals: 1 per
month free; $3.00 per withdrawal thereafter. Your are only allowed
3 withdrawals per statement cycle from this account quarterly.
Interest is calculated on the average daily balance. If you do
not maintain the $100.00 minimum balance a $4.00 per month service
charge is assessed (minor accounts are excluded). Commercial Savings
accounts are the same.
Christmas Club
Savings
A great way to save for
all of those Christmas Gifts!
Pays market rate interest,
compounded annually. Minimum balance to open $5.00. Early withdrawal
fee is $10.00. Early closing account fee is $25.00. Christmas
Club checks are mailed each November.
Certificates of
Deposit
(click here
for current rates)
A certificate of deposit
is an investment whereby the account holder invests funds for
a specific time period. Because the account holder does not have
access to the funds before maturity without a penalty, the interest
rate is higher than on a checking or savings account. An account
holder may elect to receive an interest check or compound their
interest to add back to the certificate balance. The interest
earned is fully taxable in the year it is earned. FDIC insured
up to $100,000.00 per depositor. First National offers a variety
of rates and terms.
IRA First Investor
Account
Pays market rate interest
compounded monthly. Minimum to open $25.00. Withdrawal and closing
fees do apply.
Custodial IRA's
Individual Retirement
Account (IRA) is a special savings plan authorized by the federal
government to help accumulate funds for retirement.
Self-Directed
IRA's
The same as a custodial
IRA with more investment options such as stocks, mutual funds,
etc. Self-directed IRA's are maintained through the Trust Department.
Fees do apply.
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