There’s nothing more rewarding than making your money work for you. Rest assured that at FNB your money will work hard, earning a competitive rate of return.

Money Market
If you want to earn an attractive rate of return, with limited access to your money, this interest-bearing account will appeal to you.

• Minimum opening balance - $2,500
• $10 monthly service charge
• No monthly service charge when maintaining a $2,500 minimum daily balance
• Access to funds – Six withdrawals per month
• Tiered interest earned on daily collected balance

Interest Tiers:
$0 - $2,499
$2,500 - $9,999
$10,000 - $49,999
$50,000 - $74,999
$75,000 - $99,999
$100,000 or more

Basic Savings
Whether you are just starting to save, or simply want to earn interest on easy-access funds, the Basic Savings account is perfect for you.

• Minimum opening balance - $25
• No monthly service charge
• 6 free withdrawals per quarter
• Quarterly statements
• Tiered interest earned on daily ledger balance

Interest Tiers:
$0 - $2,499
$2,500 or more

Christmas Club
Want to put some holiday funds aside throughout the year? Then the Christmas Club account is what you need.

• No minimum opening balance
• No monthly service charge
• Interest earnings – Calculated on daily ledger balance and paid annually
• Coupon book provided

CDs
If you want a guaranteed interest rate, check into our CD products. You can choose CDs ranging from 91 days to 60 months, earning varied rates. Ask us for detailed information on current offers and special rates.

• Rates – Interest rates are fixed
• Receive your interest monthly, quarterly, semi-annually, annually or interest can be
  compounded
• Withdrawals – A penalty may be imposed for early withdrawals

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Individual Retirement Accounts (IRAs)
Peace of mind comes with planning for the future. FNB offers both an IRA and a Roth IRA. In addition to potentially lowering your current tax bill, you may be able to capture greater earnings than with a non-retirement account (consult a qualified financial adviser for specific tax details). You can choose among IRA investments ranging from 12 to 60 months.

• Minimum opening balance – $1,000
• Interest earnings – Interest is calculated by daily balance method and compounded quarterly
• Withdrawals – Early withdrawals may be subject to a penalty
• Account statements – Mailed annually

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