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Saving money is an important part of building a strong and safe financial future for you and your family.
Whether you're saving for a vacation, your child's education, or for a rainy day, First National Banking
Company has the right savings account for you. Use the Savings
Comparison Table to choose the account that meets your needs.
Our savings opportunities include:
Statement Savings Account
Whether you're saving for a down payment on your dream home or your children's college education, this account
is a wise investment for your personal savings. You can make deposits as often as you wish and you can
withdraw money up to six times per month. However, after the third withdrawal, there will be a small
$2 fee per withdrawal.
Christmas Club Account
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Avoid the sea of holiday debt next Christmas!
Open your FNBC Christmas Club account and
have the money you
need to buy presents for
everyone on your list. You can even have funds 
automatically transferred from another account at FNBC or any other
financial institution to your Christmas Club on a regular basis.
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Piggy Bank Savings Club Account
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Our newest savings account was created especially for children 18 and under to teach these future leaders the importance of financial responsibility. Each child opening a new Piggy Bank Savings Club account will receive a free piggy bank to help collect their savings, and they'll get to pick a fun surprise from our big treasure chest for every $20 they put into their account. There is a $10 minimum to open the
Piggy Bank Savings Club, and it is a Passbook Savings Account which means that no statement is mailed. Instead the balance is updated by a teller when your child makes a deposit. The
Piggy Bank Savings Club will roll over into a Statement Savings Account when the child reaches age
18. Your child can make deposits as often as he or she wishes and can withdraw money up to
six times per month. However, after the third withdrawal, there will be a small
$2 fee per withdrawal.
Note: An adult must be a co-owner of this account.
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Certificates of Deposit (CDs)
CDs let you save for a specific time period from 30 days to four years and are among the safest investments
you can make today. Unlike stocks, bonds and mutual funds which have share prices and earnings that can
fluctuate, with a certificate of deposit, your principal remains the same and your interest rate is guaranteed
for a fixed term. If you have at least $500 to deposit and don't need access to it right away, a CD is a
great choice. However, there is a penalty for early withdrawal.
Individual Retirement Accounts (IRAs)
This is one of the best ways to save for your future while deferring tax liability. First National Banking
Company offers three options: the IRA Certificate of Deposit, the ROTH IRA, and the IRA Variable Account.
The best one for you will depend on how much you have to open the account, how often you wish to make
deposits, and when you'll need the money. Contact one of our new accounts representatives by phone or
e-mail us to request additional information about the three types of IRAs available.
IRAs can be a complicated financial alternative. Take a look at our IRA Q&A
for answers to frequently asked questions about IRAs and how they can benefit you.
Check out our IRA Calculators to determine how much you should save for retirement; when you should start saving; how long it will take to spend your savings and much more.
Investor's Choice Savings
This
account is a limited-access interest bearing savings account for
individuals, businesses or organizations who plan to keep higher balances
in order to earn a higher rate of interest based on balance tiers. The
interest rate is subject to change without notice and interest will be
compounded and credited to the account monthly. Minimum opening deposit of
$5,000 or more. Interest is tiered at $5,000, $25,000, $75,000, $125,000
and $200,000 or more. The rate applies to the entire balance. If the
balance falls below $5,000, $20 monthly fee and not interest credited.
Provides three (3) withdrawals or transfers per month; if more than three
(3) $10.00 fee per transaction. Minimum transfer withdrawal amount is
$1,000. You also receive free Internet banking and Billpay services as well
as a no annual fee credit card (with approved credit).
Making Saving Easy
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