Questions about our Savings Accounts? Let’s talk.
Make More of the Money You Save
Your savings should do more than sit on the sidelines. Whether you’re setting money aside for what’s next, building a financial cushion, or looking for more earning potential on a larger balance, we have options to help put your savings to work.
From everyday savings and higher-balance Money Market accounts to fixed-rate CDs and Ohio Homebuyer Plus, you can choose the account that fits what you’re saving for—and how you want to access your money.
Ohio Hombuyers Savings Account
Ohio Homebuyer Plus makes specialized, tax-advantaged savings accounts available to Ohioans to assist them on their homebuying journey. Individuals who open an account through this program will have access up to 12.00% APY* that will help them to save and grow their money faster.
See rate tiers and disclosures below.
Simple Savings
Our savings plan earns interest on every dollar at an attractive rate. Your savings account can also be accessed with your 1st National Bank ATM card, or attached to your existing card.
- $5 monthly maintenance fee waived with a $500 minimum balance
- ATM card available for account access
- Online Banking & Mobile App Banking
- No monthly maintenance fee for seniors or minors
- Interest compounded daily
Money Market (High-Yield) Savings Account
Money Market Accounts are a great way to save for your future. Earn a higher rate as you increase your balance with our interest tiers.
- Earns interest
- Competitive tiered rates
- No maintenance fee with a $2,500 minimum balance
- No fixed term
- FDIC insured up to applicable limits
Certificate of Deposit (CD)
Choose from a variety of CD terms to help grow your savings at a fixed rate. Your interest can be added to your account or transferred to your checking or savings account.
- Earns interest
- No monthly maintenance fee
- $1,000 minimum opening deposit
- Fixed rate for the selected term
- Talk with a banker about available terms
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. The HSA offers many benefits, including making contributions through employer payroll deduction or directly.
- Earns interest
- No monthly maintenance fee
- No minimum balance
- Debit card for qualifying purchases
- Online & App Banking
IRAs
Open a tax-advantaged IRA to grow your retirement savings. Choose between Traditional and Roth IRAs with flexible contributions and long-term benefits.
- Roth IRA
- Traditional IRA
- Flexible contributions
- Tax benefits
Minimum opening deposits and balance requirements vary by account. Fees could reduce earnings on the account. Other account-related fees may apply. See Deposit Account Disclosures and Current Rates for complete terms and conditions.
Please note: Individuals are required to review the Ohio Homebuyer Plus participation statement prior to opening an account through the program. You can review the participation statement here.
*Rates and APYs are accurate as of October 14, 2026. This is a variable rate account; interest rates and Annual Percentage Yields (APYs) are subject to change at our discretion at any time after the account is opened. Must be a legal resident of Ohio and at least 18 years old. A minimum balance of $500.00 is required to open the account and obtain the advertised APYs. The maximum contribution limit is $100,000.00. Subject to approval by the State of Ohio. Fees could reduce earnings on the account.
Tier Details: This account utilizes a split-rate tiered structure. The advertised interest rates and APYs are paid only on the portion of the daily balance residing within each specified tier. Balances from $0.01 to $2,500.00 earn an interest rate of 11.34% (12.00% APY); balances from $2,500.01 to $5,000.00 earn an interest rate of 3.93% (4.00% APY); balances from $5,000.01 to $100,000.00 earn an interest rate of 3.25% (3.30% APY); and balances of $100,000.01 and above earn an interest rate of 3.45% (3.51% APY). Interest is compounded daily and paid monthly.