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FNB Sprout Account - Earns Like a CD, Flexible Like a Savings Account


As a parent or grandparent, you hope the future will be bright for the young child or children in your life.  With a Sprout account by First National Bank in Pinckneyville, you can help nurture that future by putting away some money and watching it grow.

A Sprout account earns the interest of a Certificate of Deposit, but allows you to continue to add to it like a savings account.  The money can then be used for college or anything else when the child turns 18.

There are two options for a Sprout CD; a 25 month shorter term (recommended for children 11 or older) and a 62 month longer term (recommended for those 10 and younger).  All it takes is $25 to open a Sprout.  Add to it with deposits of at least $25.

Help your child's future flourish.  Open a Sprout account today!  Call or stop in to see a FNB customer service representative for more information.



Account Requirements
Opening Requirement:  Child must be under the age of 18.
Minimum Opening Deposit:  $25.00
Terms: 
25 months/APR .35%  APY .35%
62 months/APR 1.05%  APY 1.05%
Additional Deposits:  Deposits of at least $25.00 or more can be made before the child reaches the age of 22.
Early Withdrawal Penalty:  No early withdrawal penalty for withdrawals made ONE TIME PER CALENDAR YEAR when the child reaches the age of 18 and prior to the age of 22.  There will be an early withdrawal penalty of 180 day's interest for withdrawals made before maturity if the child is under the age of 18 and once the child reaches the age of 22. 
Disposition of Interest:  Interest can ONLY be compounded.
Automatic Transfers can be set up to deposit to the Sprout CD.



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