Get the banking relationship, services, technology and conveniences that fit your life. It's just how we think about banking and customers here at 1st National Bank --customers first. Our promise to help you Bank your bestTM is part of it. Being everything you need and want, is being the best bank we could ever be.


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Savings Accounts

Man Putting Money in Piggy Bank

Regular Savings – Our savings plan earns interest on every dollar at an attractive rate. This is the perfect account for short term savings. Your savings account can also be accessed with your free ATM card, or a Check Card attached to your checking account. Interest is compounded daily and credited to the account quarterly.  - No service charge if a daily minimum balance of $500 is maintained
- Up to 5 free withdrawals per month
- Free ATM card
- Online Banking & Mobile App Banking
- Seniors and minors pay no monthly service fee

Health Savings Account – Designed to give you more control over your healthcare expenses!  A HSA offers eligible individuals who participate in a high-deductible health plan (HDHP) an affordable alternative to the high cost of healthcare.  The HSA offers many benefits, including the ability to keep the money.  Unused funds can be automatically deposited into a money market fund (non-FDIC insured) for retirement savings.

Money Market Investment Account – You earn a higher rate of interest as you increase your balance. A Money Market Account is tiered to provide a competitive money market rate of interest. This account works well if you have idle funds that you wish to keep liquid.     - Earns interest compounded monthly based on the average monthly 30-Day T-Bill rate 
   - No service charge if a $2,500 monthly minimum balance is maintained
   - Limited to 6 free withdrawals per quarter Click Here to learn more about Money Market Accounts

Certificate of Deposit - Maximize your earnings, while investing safely.  Choose a term that best meets your needs.  Your interest can be added to your account or transferred to your checking or savings account.  Investing funds in CDs is a good way to save for college tuition or retirement.  Minimum deposit required is $1000.  Interest is compounded daily.  All accounts are insured by FDIC. Click Here to learn more about CDs

Education Savings Account - Start saving now for those future college expenses.  You can have money automatically transferred each payday or make deposits at your own convenience.

Christmas Club Savings – Save for the holidays. Have money transferred to a savings account each week, bi-weekly, semi-monthly, or monthly. In November, you will receive a check to use for your holiday purchases or you can elect to have the money transferred to a 1st National Bank account. Interest is paid on the accounts. If the payments are automatically transferred from another account and the account is paid up, then the Christmas Club will receive 1 extra payment.

Retirement Account Options- Plan for the future while avoiding taxes today!  Open an IRA or SEP account and earn interest while building a substantial retirement fund. Our wealth management team can help you determine the best retirement options.