Savings Accounts

Explore Savings, Money Market, CD, Health & Retirement Accounts at 1st National Bank – Start Earning Interest Today with Our Attractive Rates and Flexible Options

Savings accounts from 1st National Bank offer everything you need to control your finances. We offer competitive interest rates so you can start saving for your dreams today. Check out our wide range of savings account options below!

young couple building wealth with their simple savings account with 1st national bank

Simple Savings

Our savings plan earns interest on every dollar at an attractive rate. Your savings account can also be accessed with your free ATM card, or a Check Card attached to your checking account.

  • No monthly maintenance fee with min. balance of $500
  • Low minimum balance - five dollars open
  • ATM card to access funds
  • Online Banking & Mobile App Banking
  • Seniors and minors pay no monthly service fee
  • Interest compounded daily
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family enjoying vacation from their money market high-yield savings account 1st national bank

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 minimum balance of $2,500
  • No fixed term
  • Will not lose money
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family teaching importance of saving with a certificate of deposit cd from 1st national bank

Certificate of Deposit (CD)

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.

  • Earns interest
  • No monthly fee
  • Low minimum deposit
  • Guaranteed return
  • Free investment consultation
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health savings accounts hsa 1st national bank

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
  • Free debit card
  • Online & App Banking
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ira accounts and sep accounts for retirement 1st national bank

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.*

  • IRA
  • SEP
  • *Wealth Management
  • *Life Insurance
  • *May not be federally insured
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christmas bank accounts

Christmas Club Savings

Save for the holidays with automatic money transfers to a Christmas Club Account. 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. If the payments are automatically transferred from another account and the account is paid up, then the Christmas Club will receive 1 extra payment.

  • Earns interest
  • Bonus payment if requirements met
  • Money automatically transferred
  • Online & App banking
Contact a Banking Center

Certificates of DepositIcon For: Rates

Term Rate APY*
15 Months 5.12% 5.25%
5 Years 4.41% 4.50%
4-5 Years 4.65% 4.75
2-3 Years 4.88% 5.00%
1-2 Years 2.96% 3.00%
6-12 Months 2.96% 3.00%

*Relationships must have an average balance of $1,000 or a lending product. CDs only excluded. APY (annual percentage yield) and rates on savings & checking accounts may change daily. Penalty for early withdrawal from CDs. Interest is compounded daily on all deposits. Fees could reduce earnings on your account.
See Rules and Regulations for more details.