Money Market Investment Account

• $2,500 minimum opening deposit
• Interest is paid and compounded monthly.  The interest rate and annual percentage yield will depend upon the daily balance in the account using the following tiers:

• Up to $2,499.99 
• $  2,500.00 -   4,999.99
• $  5,000.00 - 14,999.99
• $15,000.00 - 49,999.99
• $50,000.00 and up

Please refer to the weekly Rate Schedule for current rates on this account.

• No monthly maintenance fee if balance remains above $2,500
• Unlimited in-person cash and ATM withdrawals
• Limit of six transfers per statement cycle, with no more than three in payment to third parties as regulated by law
• $9.75 fee for each withdrawal exceeding limits

If the daily account balance drops below $2,500.00, a $10.00 service charge will assessed.

First Rate Savings

• Six withdrawals permitted each quarter
• The interest rate and annual percentage yield will depend upon the daily balance in the account using the following tiers:

• Up to $2,499.99 
• $  2,500.00 -   9,999.99
• $10,000.00 and up

• $9 quarterly maintenance fee if balance drops below $300
• $1 for each withdrawal over limit
• $5 fee for accounts closed within 90 days of opening
• $100 minimum opening deposit required

Christmas Club

• Checking Account required with auto transfers
• No monthly maintenance fee
• $5 minimum opening deposit required
• $5 fee if account is closed before end of 1 year program (October).

Certificates of Deposit

FNB offers a complete array of CD maturities to meet your specific savings needs, whether short- or long-term.  Please talk with a FNB Customer Service Representative to obtain current interest rate information on various maturities and to receive appropriate disclosure information on terms, fees, and interest rates.

Individual Retirement Accounts

FNB offers both traditional and Roth Individual Retirement Accounts along with the new Educational IRA.  Tax treatment of your contributions vary widely between these options, as well as the tax consequence when you begin withdrawals.  Please discuss your new or rollover IRA needs with a Customer Service Representative who can assist you in determining your eligibility for each account, and to help you select the IRA which best meets your retirement savings plan needs.  In addition, you will be provided a disclosure statement reflecting terms, fees, and interest rates on your account.