Personal Savings

Earn, Save, Grow!

Pay yourself as regularly as you are paid. Begin saving every payday in a Regular Savings Account at First National Bank. You earn interest and enjoy convenient access to your funds. You can even ask us to transfer funds weekly or monthly from your First National Bank checking account to your savings account.

• Click for our current Interest Rate / APY *Annual Percentage Yield
  
• Minimum balance required is only $10
  
• $3 quarterly maintenance fee if balance falls below $10
  
• Unlimited Withdrawals
• Interest paid quarterly on your quarterly account statement
  
• Minimum opening deposit of $10 required
  

Working Money Account

The Working Money Account is a competitive variable rate account with 4 tiered balance levels. A higher account balance will earn a higher rate of interest. Click the link below to see our Working Money Account tiers and their corresponding Interest Rate / Annual Percentage Yield. 

• Click to see the Interest Rate / APY of the 4 balance tiers
  
• Minimum deposit of $100 required to open this account
  
• Minimum deposit of $5000 is required to earn the interest rate and Annual Percentage Yield (APY).
  
• No monthly maintenance fee
  
• Interest will be credited each month on the last day of the monthly statement cycle.
  
• You may make up to 6 transfers from this account per month.
  
• No per item fee for checks/debits
  

Certificates of Deposits

If you expect safety and certain returns from an investment then a CD is for you. A Certificate of Deposit (CD) pays a stated Annual Percentage Yield (APY). You may choose from various terms, from a few months up to a few years. You can deposit as little as $1000 in a CD. You’ll pay NO fees! Your money is insured by FDIC (up to $250,000 per depositor). There is a penalty for early withdrawal. Partial withdrawals may be taken and you will pay the penalty on just the amount withdrawn. 

For complete details or to invest in a CD come in and see a Customer Service Representative at one of our local branches or call 870-215-4000. 

View Current Rates and Terms for CDs

Individual Retirement Accounts

Plan for your retirement with an IRA from First National Bank. Begin with as little as $100 and make regular deposits in order to reach your retirement goals. We offer Traditional, Roth and Educational (Coverdale) IRAs. At First National Bank your IRA will be invested in a Certificate(s) of Deposit with your choice of various maturities. An IRA CD from First National is a solid investment. 

You will not lose principal due to market fluctuations. Upon reaching retirement age, you may direct us to make disbursements to you from your IRA. With First National Bank you pay NO FEES and your IRA CD is insured by FDIC (up to $250,000 per depositor). IRS rules apply so consult with your income tax advisor to confirm your specific situation. Then contact a Customer Service Representative to establish your IRA at First National Bank. 

View CD Rates and Terms - ^ denotes IRA CDs 

Health Savings Account (HSA)

A Health Savings Account (HSA) from First National Bank is a great way to save for your health care expenses while taking advantage of tax savings. If you qualify, then an HSA offers these benefits:

• Tax-deductible contributions and distributions
  
• Owned by the individual
  
• No Monthly maintenance fees
  
• Carry unused balances forward from year to year and earn interest tax-free
  
• And much more...

Whether you qualify for an HSA, depends on your health insurance coverage. You must be covered under an HSA-eligible high deductible health plan (HDHP) to contribute to an HSA. An HDHP generally requires that you pay out of pocket for medical expenses incurred (excluding certain preventive care expenses) until your deductible is met. Plan coverage kicks in after that. You should check with your insurance provider or employer who can clarify the rules that define an HSA-eligible HDHP and to see if your health plan is HSA eligible. In addition to having HSA eligible HDHP coverage, you:

• Cannot be covered by another health plan
  
• Cannot be enrolled in Medicare, and
  
• Cannot be eligible to be claimed as a dependent on another person’s tax return.
  

At First National Bank, a Health Savings Account may be opened with a minimum deposit of only $100. We offer both Self-only and Family coverage plans. A Free Instant Issue Debit MasterCard or personalized checks may be obtained so that you may make qualified payments from your HSA account directly to your health care providers.

For more information about an HSA account , please contact one of our Customer Service Representatives. You should also consult with your health care insurance provider to see if you qualify and with your tax professional for tax compliance advice. First National Bank does not sell health insurance directly to the public or provide advice on health coverage. First National Bank does not provide tax preparation service or advice on tax matters.

Our Patriot Act Notice has Important Information About Procedures for Opening a New Account.

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Disclosure For All Interest Bearing Deposit Accounts

The following applies to all interest bearing accounts listed on this schedule of fees and services. The interest rate and *Annual Percentage Yield (*APY) are subject to change weekly.

• Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies the daily periodic rate to the principal in the account on each day. Interest is paid (credited) and compounded monthly, except for Regular Savings which is paid (credited) and compounded quarterly.
  
• Accrual: Interest begins to accrue no later than the day we receive full credit for the deposit of non-cash items (for example checks)
  
• All interest bearing accounts are variable rate accounts. We may change the rate at our discretion.
  
• If you close your account before interest is credited, you will receive interest only if you notify us at the time of closing. If you do not tell us you are closing your account you will not receive your accrued interest.
  
• Effect of Fees: fees may reduce earnings.