Savings & Certificates

Youth Savings

• $50 minimum opening balance
• Anyone 18 or younger
• It's never too early to start saving for the future
• Kids Calculator

Savings

• $100 minimum opening balance
• For a special purpose or that unexpected need, a savings account is a good idea
• Savings Calculator

Certificates

Our CD's are available in various terms from 3 months to 60 months. Interest can be directly deposited into your FNB checking or savings account, compounded or paid by check.

IRA's

• Open or contribute before the April 15th IRS deadline for tax savings
• Fixed term Certificates - predictable interest earnings
• Retirement Calculator

Money Market

The more you save, the more you earn and you have the flexibility to write a limited number of checks each month. As your balance rises to certain levels, your interest rate rises as well.

HSA (Health Savings Account)

Reduce insurance premiums and get triple tax savings including:

• Deductions when you contribute to the account
• Accumulate tax-deferred interest
• Tax-free withdrawals for qualified medical expenses
• Pay your qualified bills with a check or use our specially-designed HSA debit card at any merchant location that accepts Debit MasterCard
• Need a qualified health insurance plan, contact First National Insurance 618-357-2139 or e-mail us fnis1@verizon.net
• Need more information about an HSA, call 618-357-9393 or Send Message

Christmas Club Savings

Put the Merry back in Christmas and start setting aside your holiday spending money. You decide when and how much to deposit. Then, in the first week of November, reap the benefits when your Christmas Club check is delivered.