Certificates & IRAs & Health
Savings Accounts
Certificates of Deposit
Certificates of deposit
provide a higher rate of return to interested
investors. Customers choose the term and
interest payment method to best meet their
individual needs. Available terms are 6, 12,
24,36, 48 and 60 month with applicable interest
rates posted weekly. Certificates of deposit are
subject to early withdrawal penalty.
Click
here to see
current interest rates.
Click
here for financial
calculators.
 | Invest as little as $1,000 |
| Earn high interest on small
amounts of money |
| Various terms available |
| Automatically renewable |
| Notification by mail |
| Early withdrawal penalty |
| FDIC Insured |
Individual Retirement
Accounts
Financial security for
retirement should be prepared for today. First
National Bank can help you plan for your
retirement with an IRA. Choose from our IRA
Certificate of Deposit for 12, 24, 36, 48, or 60
months with applicable interest rates posted
weekly or we can help you establish your
Self-Directed IRA. Let us help you plan today
for a comfortable retirement in the years ahead.
Click
here to see
current interest rates.
Click
here for financial
calculators.
| Tax laws determine
contribution amounts allowable. Consult with
your tax advisor and then see us for your
investment options. |
| Variety of investments are
available |
| Contributions can be made
until April 15 following year |
| Begin distributions at age
59-1/2 without penalty |
| Annual statements |
| FDIC Insured |
| $20.00 Rollover/Transfer
Fee |
Health Savings Accounts (HSA)
Health savings accounts are
offered to eligible individuals who are covered
under a high deductible health plan (HDHP), is
generally not covered by any health plan that is
not an HDHP, is not enrolled in Medicare Part A
and/or Part B, and may not be claimed as a
dependent on another person's tax return.
The monies in this account are intended to be
used for qualified medical expenses.
These accounts have a
tax-free-times-three structure.
Contributions to the HSA are not taxed, nor are
the earnings, nor are withdrawals if they are
spent to pay qualified medical expenses.
Please contact a Personal Banker for additional
information.
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