Personal Savings Accounts
Save Now, Prepare for the Future
Saving money is a basic necessity in life, which is why First National Bank offers everything from traditional savings accounts, Certificates of Deposit (CDs) to help your money grow faster with higher interest rates, and Health Savings Accounts (HSAs) that allow you to save for healthcare-related expenses. Our personal bankers work with each of our customers individually to educate them about the benefits that our savings accounts, CDs and HSAs all offer.
Compare our savings account options below and give us a call at 563-263-4221 if we may be of assistance.
Savings Account Options
| Certificate of Deposit | Money Market Account | Personal Savings | Youth Savings | |
|---|---|---|---|---|
| Overview | Choices! | Earn a higher rate of interest and move money in and out whenever you choose. | A simple way to save and earn. | Easy to get started saving early. |
| Interest | You choose from different rates and terms. | Your rate is dependent upon the amount you choose to keep in your account. | You earn a competitive interest rate. | You earn a competitive interest rate. |
| ATM Access | No | Yes. Convenient access to your money, 24 hours a day. | Yes. Convenient access to your money, 24 hours a day. | No |
Minimum BALANCE To OPen | $500. CD Specials require $2,500 minimum. | $2,500 | $100 | $10 |
| MONTHLY MAINTENANCE CHARGES | No | None, when you maintain $1,500 minimum daily balance. | None, when you maintain $100 minimum daily balance. | No |
| Deposits | Not applicable. | Fee applies for each deposited item over 20 per statement cycle. | Fee applies for each deposited item over 20 per statement cycle. | Unlimited. |
| Withdrawals | You can access your money before maturity: however, an early withdrawal fee will apply. | You may make up to 6 withdrawals or transfers per month. Fees may apply. | You may make up to 6 withdrawals or transfers per month. Fees may apply. | You may make up to 6 withdrawals or transfers per month. Fees may apply. |
| Internet/Phone Banking | Free | Free | Free | Free |
Click here to view the current rates of our deposit accounts.
view current rates
Certificates of Deposit
Commonly referred to as CDs, certificates of deposit are available for First National Bank customers who are looking to take advantage of higher interest rates. Our CDs offer a wide range of terms and different balance requirements, depending on how much you’re looking to save and what interest rate serves your needs best. You can learn about our deposit requirements and terms by checking out our rate sheet.
Individual Retirement Accounts (IRAs)
The Trust Services team at First National Bank offers Traditional and Roth Individual Retirement Accounts (IRAs) to help you save for your retirement. Click here to learn more about our IRA options.
Health Savings Accounts
Health savings accounts (HSAs) are connected to high-deductible health plans, which allow you to save money toward future healthcare and medical expenses, all while offering tax incentives.