With so many choices, it's easy to find a savings program that meets your unique needs. Just stop by FNB, e-mail us, or give us a call.

First Savings
First Money Market Account
First Rate Investment Account
Certificates of Deposit
Individual Retirement Account (IRA)

First Savings
The old-fashioned savings account is back in style. We'll even make it a little easier to save each month with our Automatic Savings Plan.

• $100 minimum to open
• Unlimited deposits
• Up to 3 withdrawals per quarter at no charge
• Interest paid quarterly
• Bank on-line, in person, by mail, ATM or telephone

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First Money Market Account
Our Money Market Account combines great rates with convenient access to your funds at any time.

• $100 minimum to open
• Unlimited deposits
• Up to six (6) withdrawals or pre-authorized transfers per statement cycle, three (3) of which may be by third-party check.
• Interest paid monthly
• Itemized monthly statement, cancelled checks not returned
• Bank on-line, in person, by mail, ATM or telephone

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First Rate Investment Account
Our First Rate Premium Money Market Account combines the liquidity of a checking account with the earning power of premium, tiered interest rates, based on your balance. The more you keep in the account, the more you earn.

• $10,000 minimum to open
• Unlimited deposits
• Up to six (6) withdrawals or pre-authorized transfers per statement cycle, three (3) of which may be by third-party check
• Tiered interest rates:

  Below $10,000	No Interest
  $10,000-$24,999	Ask for current rate
  $25,000-$49,999	Ask for current rate
  $50,000-$74,999	Ask for current rate
  $75,000-$99,999	Ask for current rate
  $100,000+	Ask for current rate

• Interest paid monthly
• Free 3x5 safe deposit box
• Bank online, in person, by mail, ATM or telephone
• Monthly itemized statements, cancelled checks not returned

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Certificates of Deposit
Our CDs and Jumbo CDs (over $100,000) offer competitive rates that make saving easier than ever before.

• $1,000 to open regular certificate of deposit
• Deposits and withdrawals during certificate of deposit grace periods
• Interest paid quarterly
• Terms from 3 months to 3 years
• Convenient automatically renewable feature
• Substantial penalty for early withdrawal

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Individual Retirement Account (IRA)
An IRA is still a great way to save for retirement. And, it you need to reinvest your pension and profit sharing funds, our Rollover IRA is just the ticket.

• $50 to open variable rate IRA
• $2,000 to open fixed rate IRA
• Unlimited deposits allowed on variable rate IRAs
• Terms from 12 months to 3 years
• Interest paid quarterly
• Automatically renewable
• Substantial penalty for early withdrawal

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