Certificates of Deposit (CDs)
This product is a time deposit and rates are based on the length of time you choose. Time Certificates of Deposit will pay the highest interest rates of any of our FDIC insured accounts.

Features:

• Minimum deposit of $1,000
• Annual percentage yield assumes interest received is reinvested at the account interest rate.
• Interest may be paid by check, deposited into a checking or savings at FIRST NATIONAL BANK or compounded
• Interest accrued daily and compounded quarterly, semi-annually or annually on certificates with a term of 12 months or more.

Regular Savings
A convenient way to save for that rainy day. Deposits can be made through a teller or transferred directly from a checking account at First National Bank.

Features:

• Opening balance $250
• Interest accrued daily
• Interest compounded quarterly
• Three withdrawals permitted each quarter
• Excessive usage fee after three withdrawals is $2 per item
• May be linked to checking account for ATM deposits & withdrawals
• Quarterly statements
• $6 service charge per quarter for balance below $250

Young Savers Account
Need an account for a young saver? This product is designed for the individual under 18 years of age. The child's Social Security number and birth date are required to open the account.

Features:

• Same as Regular Savings except
• No low balance service charge
• Opening balance of $250 is not required
• Three withdrawals permitted each quarter
• Excessive usage fee after three withdrawals is $2 per item

Christmas Club
Always short of spending money at Christmas. This savings plan will help you save that extra money for Christmas.

Features:

• Plan starts in November
• Deposits made by electronic transfer at designated intervals
• Interest paid in October
• Checks issued in October
• Other withdrawals available at $3 each

Individual Retirement Accounts
If you have earned income verified by a W-2 form and have not reached age 70 1/2, you may be eligible for an IRA. Tax deductible limit is $2,000 or 100% of earned income, whichever is less. Being an active participant of a employer's retirement plan and your adjusted gross income may affect your contribution amount and your income tax deductibility. These funds are invested in bank CDs and earn interest tax deferred.

Roth, Education, Self-directed Individual Retirement Accounts are also available.

Employee Benefit Plans 401 K Plans
We have IRS qualified plans. Fees vary according to plan chosen and number of participants. Plan updates as required by changes in the tax statues are made at no cost to the customer.