Saving for the future or for a special purchase is an important part of your personal financial planning. We at First National Bank and Trust Company want to make it easy for you to start planning for the future with one of the following savings plans.

• Regular Savings Account
• Youth Savings Account
• First Military Savings Account
• Money Market Accounts
• Certificates of Deposit
• Current Rates
• Apply Now

Regular Savings Account

A First National Bank Regular Savings Account is the right way to save for that special purchase, vacation, or just a rainy day. Account statements are mailed quarterly, or you may receive your statement online if enrolled in online banking.

• Minimum to open account $50.
• Two free monthly withdrawals.
• Interest paid and statements generated quarterly
• No monthly maintenance fee if the average daily collected balance remains above $100.
• A per debit charge of $1.00 will be charged for each withdrawal in excess of 2 per month

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Youth Savings Account

This savings account is designed to teach young people the importance of savings. Youth, 17 years of age or younger, who wish to start a savings account can begin their first savings plan with an opening deposit of only $10.

• No monthly service charge
• A passbook will be provided for your personal record keeping
• Interest paid and statements generated quarterly
• A per debit charge of $1.00 will be charged for each withdrawal in excess of 1 per month

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First Military Savings Account

This military savings account pays a competitive interest rate on every dollar. You can make automatic transfers from checking to savings, making saving easy, and there is no charge. Maintain a low minimum balance and avoid all monthly fees. Account statements are mailed quarterly, or you may receive your statement online if enrolled with our online banking.

• Minimum to open account $50.
• Two free monthly withdrawals.
• Interest paid and statements generated quarterly
• No monthly maintenance fee.
• A per debit charge of $1.00 will be charged for each withdrawal in excess of 2 per month

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Money Market Accounts

Our money market account is the best account for you when you maintain higher balances. Your outstanding balance earns a competitive interest rate and funds remain accessible for when they are needed.

• Opening deposit $2,500
• Interest bearing, paid monthly, based on the average daily ledger balance
• 6 debits allowed per month to another account or to third parties by preauthorized, automatic, telephone, and/or computer transfers. No mores than 3 of these debits can be by checks, drafts, debit cards, or similar order (including POS transactions).
• Monthly service charge of $15 if average ledger balance is less than $2,500
• Monthly service charge of $15 if number of debits exceeds 6 per month
• No interest will be earned during the statement period in which the average daily collected balance falls below $2,500
• Monthly statement with check imaging
• Money Market style checks are provided at no fee
• Click Here for Current Rates

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Certificates of Deposit

If you are looking for safety as well as a solid rate of return when you invest, consider a First National Bank Certificate of Deposit. We offer a wide range of certificates with various terms and interest rates depending on your investment needs. From time to time, Special CD offers are available, so check out our “ Current Rates ” section or call us for special offers.

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