Personal Savings Accounts

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Personal Savings 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 DepositMoney Market AccountPersonal SavingsYouth Savings
OverviewChoices!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.
InterestYou 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 AccessNoYes. 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
Paper Statement FeeNoNone, when you maintain $1,500 minimum daily balance.None, when you maintain $100 minimum daily balance.No
DepositsNot applicable.Fee applies for each deposited item over 20 per statement cycle.Fee applies for each deposited item over 20 per statement cycle.Unlimited.
WithdrawalsYou 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 BankingFreeFreeFreeFree


Click here to view the current rates of our deposit accounts.
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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.

Save More with First National Bank

Our personal banking team is ready to help you find the right savings option. Contact us to get in touch with a member of our team and find out which option works best for you.

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