Select the First National Banking Company Savings Account That Is Best for You:
| Type of Plan | Statement Savings | Christmas Club | Piggy Bank Savings Club | Certificate of Deposit (CD) | IRA - Certificate of Deposit | IRA - Variable Account | Investor's Choice Savings |
| Recommended if you want: | A regular savings account with no minimum opening deposit and convenient access to your funds. | An easy way to save for holiday expenses. You'll receive a check for the total amount of your savings plus interest in November. | A beginning account for your child or grandchild. | Secure, competitive bank CD rates with your choice of terms. | A safe and secure account for your retirement savings. | An account that allows convenient IRA contributions and distributions. | 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. |
| Minimum Opening Deposit and Term | No minimum opening deposit and no minimum term. | No Minimum opening deposit. Maximum opening deposit $500. No more than $200 per week can be deposited into the account. Checks are mailed out the first week of November. Limit one account per customer. | $10 minimum opening deposit and no minimum term. | $500 minimum opening deposit; terms from 30 days to four years. | $1,000 minimum opening deposit; terms from one to four years. | No minimum opening deposit and no minimum term. | $5,000 minimum opening deposit. |
| Monthly Service Charge | None | None | None | None | None | None | If balance falls below $5,000, $20 monthly fee and no interest credited. Minimum transfer withdrawal amount: $1,000 |
| Interest Rate/Annual Percentage Yield (APY) as of 09/03/2008* | Variable rate of .50% with an APY of .50% - compounded monthly, credited monthly, is earned on balances of $200.00 or more. | Variable rate of 4.00% with an APY of 4.00% - compounded monthly, is earned on balances, credited at maturity. | Variable rate of .50% with an APY of .50% - compounded monthly, is earned on balances of $10.00 or more, credited monthly. | Fixed rate; rate based on term of CD. See chart below. | Fixed rate; rate based on term of CD. See chart below. | Variable rate of 2.00% with an APY of 2.02% - compounded monthly, credited monthly. | Variable rate; based on current interest rates. See chart below. |
| Withdrawals | Limited to six per month; there is a $2 charge for every withdrawal over three. | Funds can be withdrawn from the account at any time with a $10.00 charge per withdrawal. | Limited to six per month; there is a $2 charge for every withdrawal over three. | Penalty may be imposed for early withdrawal. | Convenient distribution choices upon reaching age 59-1/2. Bank and IRS penalties may be imposed for early withdrawal of an IRA. | Convenient distribution choices upon reaching age 59-1/2. IRS penalty may be imposed for early withdrawal from an IRA. | Limited to three withdrawals or transfers per month; if more than three $10.00 fee per transaction. |
| Type of Plan | Statement Savings | Christmas Club | Piggy Bank Savings Club | Certificate of Deposit (CD) | IRA - Certificate of Deposit | IRA - Variable Account | Investor's Choice Savings |
| CD Rates as of 09/03/2008 | ||
| Term | Interest Rate | APY |
| 1 month | 1.50% | 1.51% |
| 3 months | 1.50% | 1.51% |
| 6 months | 1.885% | 1.90% |
| 12 months | 1.985% | 2.00% |
| 18 months | 2.18% | 2.20% |
| 24 months | 2.18% | 2.20% |
| 30 months | 2.25% | 2.27% |
| 36 months | 2.25% | 2.27% |
| 48 months | 4.41% | 4.50% |
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Investor's Choice Savings as of 09/03/2008 |
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| Balance | Interest Rate | APY |
| $5,000 - $24,999 | 0.74% | 0.74% |
| $25,000 - $74,999 | 1.45% | 1.46% |
| $75,000 - $124,999 | 1.60% | 1.61% |
| $125,000 - $199,999 | 1.66% | 1.67% |
| $200,000 or more | 1.74% | 1.75% |
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CD Specials |
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| Term | Interest Rate | APY |
| 9 Month | 3.155% | 3.20% |
| 15 Month | 3.215% | 3.26% |
| 25 Month | 3.58% | 3.64% |
| 33 Month | 3.749% | 3.81% |
*Contact First National Banking Company at (870) 994-2311 or (888) 435-BANK(2265) for current rates.
