SAVINGS/CD ACCOUNTS

Our Money Market account is specifically designed for our customers who have a minimal number of transactions per month and want to earn a higher interest rate.

• Minimum opening balance: $2,500.00
• Interest payment: Interest will be paid on your account every statement cycle if account balance remains above $2,500.00.

Transactions from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no more than three by check, draft, or similar order to third parties.

Minimum balance to avoid imposition of fees: A minimum balance service charge of $7.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.

Our Savings account is designed for those who want to save for a rainy day. The account earns a competitive interest rate and customers have the ability to make deposits and withdrawals whenever the need arises. The account can be accessed with our Online Banking and Mobile Banking.

• Minimum opening deposit: $100.00
• Interest is compounded quarterly and credited to your account quarterly for balances that remain at or above $100.00 every day of the month.

A minimum balance service charge of $5.00 will be imposed every month if the balance in the account falls below $100.00 any day of the month.

Our Student Savings account is designed for our youngest of depositors. The account can be opened with a deposit as low as $10.00 and future deposits can be made at any time in any amount. Parents and Grandparents can arrange for automatic transfers to be made to these accounts on a regular basis from any of their FNBT accounts.

• Minimum opening deposit: $10.00
• No service charge or minimum balance requirements on this account until the age of 19.
• Interest will be compounded and credited quarterly.

Our Certificate of Deposits are designed to offer our customers good investment options.

• Terms range from 3 months up to 60 months
• Invest with as little as $1,000
• Automatically renewable
• Interest may be compounded, paid directly to another FNBT deposit account, or you may choose to receive a check
• Competitive interest rates
• CD specials offered periodically

Our Christmas Club is a savings account designed for those customers who want to save throughout the year for their annual Christmas or Holiday expenses. You can make deposits in any amount at any time or set up an automatic transfer from another FNBT account. Accounts can be opened at any time during the year. These accounts are paid out during the middle of September of each year.

Our IRA accounts are accounts designed for our customers wanting to accumulate money for retirement and take advantage of the tax savings offered by the IRS. An IRA offers our customers the ability to make deposits on a periodic basis. You can choose to invest in either an IRA Savings or Certificate of Deposit, whichever best fits your needs.