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Savings Accounts

Savings Account

  • Interest is calculated daily, paid quarterly and a quarterly statement mailed. Interest rate and annual percentage yield (APY) subject to change. (Frequency of rate change- weekly)
  • $50 minimum balance required to open an account.
  • If the average daily balance for the quarter decreases below $50, a minimum balance fee of $1.50 will be charged each quarter.
  • Unlimited number of withdrawls and deposits acceptable if transacted in person.
  • Transfers from a Variable Rate Savings Account to other accounts or to third parties either by prequthorized, automatic, telephone transfers, or Internet transfers are limited to six transactions per month.

Money Market Savings

  • Interest is calculated daily, paid monthly, and a monthly statement mailed. Interest rate and annual percentage yield (APY) subject to change. (Frequency of rate change- weekly).
  • $1,000 miniumum balance required to open an account.
  • If the account balance decreases below $1,000 any day within the statement cycle, a maintenance fee of $2.50 will be charged and interest earned will be calculated based on the lowest tier of the Interest Bearing Checking Account Rate Schedule.
  • Transfers from a Money Market Savings Account to other accounts or to third parties either by preauthorized, automatic or telephone transfers, or Internet transfers are limited to six transactions per month.

Christmas Club

  • Minimum deposit requirements to open this special 50 week savings account is illustrated below:

 

Opening Amount

Weekly Payment Sum

Value After 50th Payment

$1.00

$1.00

$50.00

$2.00

$2.00

$100.00

$5.00

$5.00

$250.00

$10.00

$10.00

$500.00

  •  Bonus - Open a Christmas Club Account by the third week of November, make 49 deposits of the weekly payment sum and First National Bank will gift the 50th weekly payment sum.
  • Any withdrawl closes Christmas Account.
  • Christmas Club Checks issued first week of November.

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