• $100.00 minimum to open an account; minors no minimum.
• No service charge for early closings or if balance falls below minimum.
• Unlimited withdrawals if made in person. Up to six transfers (phone or electronic) allowed per month.
• Available for use with Debit and ATM cards.
• Interest paid quarterly.
• Depositor balances are insured up to $100,000 by the FDIC.

• Registers provided for easy record keeping.
• Account earns competitive variable interest rate.
• Depositor insured up to $100,000 by the FDIC.

MARKET PLUS
With our Market Plus account, you earn market rates and maintain access to your money.

• Open your Market Plus account with a minimum of $10,000.00.
• No monthly maintenance fee. No minimum balance required to maintain account.
• Variable interest rate. The interest rates paid are based on account balances within the interest rate tiers.
• Unlimited withdrawals if made in person. Up to six transfers (phone or electronic) allowed per month.
• Available for use with Debit and ATM cards.
• Depositor insured up to $100,000 by the FDIC.

CERTIFICATES OF DEPOSIT
A certificate of deposit or CD is an account which you agree will remain on deposit with First National Bank for a specified period of time. The following terms are offered and listed below with their respective minimum balances.

• Interest rate is fixed for the entire term.
• Depositor insured up to $100,000 by the FDIC.

ADD ON EDUCATIONAL CERTIFICATES OF DEPOSIT
An Add On CD is a special certificate of deposit (CD) that allows you to add additional deposits anytime throughout the term of the CD. Add On CDs are a great way to save for college, vehicles, mortgage down payments, and other large purchases.

Our 12 month Add On CD features a fixed rate for 12 months. Our 60 month Add On features a variable rate for 60 months.

Educational CDs are Add On CDs with a special withdrawal feature to allow you to withdraw funds for educational purposes.

• No withdrawal penalty if money is withdrawn and used for educational purposes.
• Minimum deposit required to open CD is $500.
• Minimum additional deposit is $25.
• Depositor insured up to $100,000 by the FDIC.

REPURCHASE AGREEMENTS
Repurchase Agreements are short-term investments secured by pledged securities. They are not FDIC insured accounts.

• Terms from 30 to 89 days available.
• Minimum balance of $2,500 required.

See one of our Customer Service Representatives to open your regular savings, Christmas Club, Market Plus account, Certificate of Deposit, or Repurchase Agreement.