FNBFirst National Bank
Locations

 

Savings Accounts

For only a minimal amount, you can start a First National Bank savings account and earn a competitive interest rate. Open a savings account for any number of good reasons; a nest egg for yourself, a special vacation fund, money for home real estate taxes, or for the education of your children or grandchildren.

Account Minimum Balance to earn APY Interest Rate APY*
Savings $100 .09% .09%

We have nine convenient locations in Illinois: Staunton, Troy, Maryville, Bethalto, Hamel, Livingston, Benld, Holiday Shores, and Mt. Olive. Please visit any of these locations to open a savings account, or you can contact us to further discuss First National Bank's savings accounts.

 

Certificates of Deposit

First National Bank offers a wide array of CDs tailored to meet your individual needs. These deposits are insured to the full legal limit by the FDIC. Competitive interest rates paid to you will vary and are based on the term of your investment. Penalties are applied for early withdrawn.

Certificate of Deposit Minimum Balance to earn APY Interest Rate APY*
60 month $5,000 1.70% 1.71%
48 month $5,000 .85% .85%
36 month $5,000 .70% .70%
30 month $5,000 .55% .55 %
24 month $5,000 .50% .50%
18 month $5,000 .39% .39%
12 month $5,000 .25% .25%
9 month $5,000 .12% .12%
6 month $5,000 .10% .10%
3 month $5,000 .05% .05%

 

Special CD Rates!

  • 27 Month CD or IRA - 1.10% APY*
  • 18 Month IRA - .60% APY*
  • 12 Month IRA - .40% APY*
  • 3 Month IRA - .25% APY*

Please contact us or visit one of our branches to discuss your CD options.

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IRA

Save for your retirement years using these tax favored, high earning, and FDIC insured investment accounts. Traditional and ROTH IRAs are available. Penalties may apply for early withdrawal.

Traditional IRA - Allows you to defer taxes on earnings until they are withdrawn. Some contributions are tax deductible for the tax year for which they are made. If you have earned income and are younger than 70½ through the entire year, this IRA would fit you. You may contribute any amount up to 100% of your compensation or $5,500 (or $6,500 if you are 50 years old or older)--whichever is less. You can withdraw funds without penalty after you reach age 59½.

Roth IRA - Big benefit here is the tax-free distribution -- for purchasing a first home (up to $10,000); anytime after 59½; disability; and death. Available to married couples with modified adjusted gross income of $191,000 or less and singles with a modified adjusted gross income of $129,000 or less. Contributions are not tax deductible. You may contribute $5,500 maximum per year (or $6,500 if you are 50 years or older) between both Roth and the Traditional IRA's.*

If you are interested in opening an IRA, please visit one of our nine convenient branches located in Staunton, Maryville, Bethalto, Troy, Hamel, Benld, Holiday Shores, Mt. Olive and Livingston. You can also call us to discuss your IRA options.

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Health Savings Account

Health Savings Account, or HSAs, were created by Congress to combat rising medical costs.

An HSA, is an IRA-like account that is designed exclusively for covering medical expenses incurred by the HSA account beneficiary (the person who establishes the account) and his or her dependents.

HSAs are available to individuals covered by a high deductible health plan (HDHP) regardless of whether the person is self-employed or employed by a small employer and regardless of whether their employer maintains the HDHP.

An HDHP is an insurance policy that meets certain dollar limits as shown in the table below.

2013 HDHP Limits** Self Only Family
Annual Deductible $1,250 or more $2,500 or more
Annual Deductible plus out-of-pocket expenses cannot exceed... $6,050 $12,500


Minimum Balance Interest Rate Annual Percentage Yield*
$50.00 .25% .25%

 

**HDHP and contribution limitations are revised each year to reflect cost-of-living increases.

HSAs can provide significant tax benefits to eligible individuals.

HSA contributions - by employer or employee - are excluded from income.

HSA earnings are tax-deferred.

If used for qualified medical expenses, HSA assets are never taxed.

To learn more about how to take advantage of the many HSA benefits, contact us for more details.

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First National Bank Christmas Club Account

Make your holiday season more enjoyable and worry free. Let a First National Bank Christmas Club help you avoid that post holiday cash crunch blues. By saving in manageable weekly payments of your choice from $5 to $40, you can have the money available when you need it most. And, if you make 49 timely deposits, the bank will pay the 50th installment for you…absolutely FREE.

Learn more about the First National Bank Christmas Club Account by visiting one of our nine locations: Staunton, Livingston, Benld, Mt. Olive, Troy, Maryville, Holiday Shores, Bethalto and Hamel. You can also contact us for more information.

 

First National Bank Summer Savings Club Account

You’ll be on your way to the vacation spot of your dreams when you open a First National Bank Summer Savings Club account. By saving in manageable weekly payments of your choice from $5 to $40, you can have the money available when you need it most. And, if you make 49 timely deposits, the bank will pay the 50th installment for you…absolutely FREE.

Talk to an FNB representative today about the Summer Savings Club Account.

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Other Services

*Annual percentage yield is accurate as of 5-1-2014. Rates subject to change without notice. Call for current rates. Penalty for early withdrawal. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Fees could reduce earnings. The rate may change after account is opened.

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