Savings

Statement Savings

Monthly Service Charge

No service charge for daily balances $100 or more. Balances under $100 will be charged a $4.00 monthly service fee
FREE for customers 18 and under

Account Details

Opening deposit of $10 for customer 0-18
Opening deposit of $100 for customers 18+
One free withdrawal per calendar month; $3.00 for every withdrawal thereafter. Pays market rate interest

Interest compounded quarterly
No more than six preauthorized withdrawals per month or statement cycle

Christmas Club

Holiday budgeting made easy.

Monthly Service Charge

No monthly service charge for Christmas Club Accounts!

Account Details

  • Opening deposit $5.00
  • Pays market rate interest
  • Interest paid annually
  • Auto transfers available
  • Christmas Club checks mailed each October
  • Early withdrawal fee $10.00
  • Close account fee $25.00

Certificates of Deposit

Accounts offer a wide range of options and competitive rates* while safely keeping your money invested for a set period of time. FDIC insured up to $250,000.

Account Details

  • Minimum $500 to purchase a fixed-rate CD
  • Interest may be compounded, paid by check, or deposited into another account
  • Automatic certificate renewals 
  • Penalties may apply for withdrawals prior to maturity 
  • Various rates and terms are available

Certificates of Deposit Account Registry Service (CDARS)

A CDAR is a convenient way to enjoy full FDIC insurance on deposit accounts larger than $250,000. Any organization or individual who wants to combine the convenience of working with a single bank with the security of FDIC insurance can benefit from CDARS. Rates are subject to change weekly.

Account Terms

  • 4 Weeks
  • 13 Weeks
  • 26 Weeks
  • 52 Weeks
  • 2 Years
  • 3 Years
  • 5 Years

*Interests Rates are subject to change without notice.

Money Market Account (MMA)

For those who can keep a higher balance than needed in a basic savings account to earn a higher interest.

Monthly Service Charge

No monthly service charge with daily balance of $1,000 or more. Balances under $1,000 will be charged $8.00 per month

Account Details

  • Opening deposit $1,000
  • Interest compounded monthly
  • Pays market rate interest
  • Up to 6 free withdrawals per month or statement cycle; in excess of 6 preauthorized withdrawals a $10.00 charge per check thereafter.

Health Savings Account (HSA)

For individuals who participate in a high-deductible health plan and want to save money for medical expenses.

Monthly Service Charge

$3.00 per month service charge

Account Details

  • Opening deposit $100
  • No balance requirement
  • Unlimited withdrawals
  • Pays market rate interest
  • Interest compounded monthly

Retirement Accounts

Traditional IRA: A savings plan authorized by the federal government to help accumulate money for retirement.

Roth IRA: A non-deductible savings plan that features federal income tax-free withdrawals for certain distribution reasons after a five-year holding period.

SEP: A Simplified Employee Pension (SEP) plan is an employer-sponsored retirement plan through which an employer makes contributions directly to each eligible employee's Traditional IRA Account.

First Investor Account Details

  • Minimum deposit $25.00
  • Tiered interest rates* according to account balances
  • Interest compounded monthly
  • Additional fees (applicable to all IRA investments)
    • $10.00 per withdrawal for customers 59 ½ and younger
    • FREE planned withdrawals for customers 59 ½ and up
    • One free withdrawal per year for customers 59 ½; $5.00 for every withdrawal thereafter
    • No fee for mandatory payout
    • $30.00 transferring/closing fee

*Interest rates subject to change each June and December.

Traditional IRA

First Investor Account (Traditional IRA)

An Individual Retirement Account is a special savings plan authorized by the federal government to help accumulate funds for retirement.

Account Details

  • Minimum deposit $25.00
  • Tiered interest rates* according to account balances
  • Interest compounded monthly
  • Additional fees (applicable to all IRA investments)
    • $10.00 per withdrawal for customers 59 ½ and younger
    • FREE planned withdrawals for customers 59 ½ and up
    • One free withdrawal per year for customers 59 ½; $5.00 for every withdrawal thereafter
    • No fee for mandatory payout
    • $30.00 transferring/closing fee

*Interest rates subject to change each June and December.

Roth IRA

First Investor Account (Roth IRA)

A nondeductible savings plan that features federal income tax-free withdrawals for certain distribution reasons after a five-year holding period. 

Account Details

  • Minimum deposit $25.00
  • Tiered interest rates* according to account balances
  • Interest compounded monthly
  • Additional fees (applicable to all IRA investments)
    • $10.00 per withdrawal for customers 59 ½ and younger
    • FREE planned withdrawals for customers 59 ½ and up
    • One free withdrawal per year for customers 59 ½; $5.00 for every withdrawal thereafter
    • No fee for mandatory payout
    • $30.00 transferring/closing fee

*Interest rates subject to change each June and December.

SEP

First Investor Account (SEP)

A Simplified Employee Pension (SEP) plan is an employer-sponsored retirement plan through which an employer makes contributions directly to each eligible employee's Traditional IRA Account.

Account Details

  • Minimum deposit $25.00
  • Tiered interest rates* according to account balance
  • Interest compounded monthly
  • Additional fees (applicable to all IRA investments)
    • $10.00 per withdrawal for customers 59 ½ and younger
    • FREE planned withdrawals for customers 59 ½ and up
    • One free withdrawal per year for customers 59 ½; $5.00 for every withdrawal thereafter
    • No fee for mandatory payout
    • $30.00 transferring/closing fee

*Interest rates subject to change each June and December.

Savings Calculators

Online Account Opening

Want to open a saving account but can’t find time to stop by a branch? With First National Bank’s Online Account Opening, you don’t have to! Just click below to get started!

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