Personal Savings Accounts & Certificates of Deposit

Whether you have a special purchase in mind or are planning for a rainy day, start saving now to reap the rewards of smart money management!

  • Earn higher rates with our Money Market account
  • Automatic transfers for easy savings
  • Link to an ATM card for 24/7 access*

*Daily transaction limits may apply. Service not available with Youth Savings.

Personal Savings

Start saving today for a brighter financial future.

  • $100 minimum opening deposit
  • 6 free withdrawals per statement cycle; a fee applies for each withdrawal exceeding 6
  • A quarterly maintenance fee applies if the balance falls below $100 on any day

Link your personal savings account to an ATM card to access your funds after banking hours (a daily transaction limit may apply). You can make withdrawals, inquire about your balance, and transfer funds to and from a First National checking account at any of our 24-hour ATMs.

Money Market Savings Preferred

Earn higher rates on higher balances.

  • A tiered account that pays higher rates on higher balances.
  • Includes check writing capabilities.
  • $1,000 minimum opening deposit
  • Unlimited withdrawals in person or by ATM*
  • Monthly maintenance fee waived with a $1,000 average daily balance

* Regulations governing Money Market Savings accounts limit the number of transfers by phone and preauthorized withdrawals to six during any statement cycle period. There will be a fee for every transfer or preauthorized withdrawal beyond six. You may, however, make an unlimited number of transfers or withdrawals in person or by ATM.

Youth Savings

Start saving early to establish sound financial habits.

  • For individuals who are 17 years of age or younger
  • $10 minimum opening deposit
  • 6 free withdrawals per statement cycle; a fee applies for each withdrawal exceeding 6
  • A quarterly maintenance fee applies if the balance falls below $10 on any day

Certificates of Deposit (CD)

Invest your money for short or long term purposes.

  • Typical maturities range from 6 months to 5 years.
  • Fixed rates apply with interest paid monthly, quarterly, at maturity, but at least annually.
  • Withdrawals are at the end of the term. There is a 10-day grace period to withdraw funds at maturity before the CD automatically renews.
  • There is a 90-day penalty for early withdrawal. Some exceptions apply. Contact a personal banker for more details.

View current Standard CD rates

Smart Savings Service

Make smart saving easy by automatically transferring a set amount from your checking to your savings on a monthly or more frequent basis. You determine how much and on which day the transfer will take place.

 

View our Account Fee Schedule

Other fees may apply. See account fee schedule, ask for a Terms & Conditions brochure, or talk to a personal banker for more details on all of our personal saving accounts. Website contains most current information.