Savings & CDs

A savings account is a deposit account used to earn interest on money that is being put away for future use.

First National Bank & Trust offers different types of savings options to help you prepare for the future, our Individual savings account, our First Premiere savings account, our Health savings account, Christmas clubs and CDs.

Individual Savings Account

First National Bank & Trust Individual Savings account allows you to make an unlimited number of in-person deposits and withdrawals with a teller or at one of our seven ATM locations.

  • No minimum balance required
  • No monthly service fee
  • Funds accessible via ATM Card


First Premiere Savings Account

The First Premiere Savings account offers higher interest rates for customers who maintain more than the $2,500.00 minimum daily balance on deposit. The more you have on deposit, the more you earn.

  • No minimum balance required, however, if the daily minimum balance becomes less than $2,500.00, the Individual Savings account rate will apply.
  • No monthly service fee
  • Minimum withdrawal is $500.00


Health Savings Account (HSA)

An interest earning, tax-exempt account that allows you to pay for qualified medical expenses.

Christmas Club

An interest earning account that allows you to set aside spending money for the holidays. Paperless and coupon book options available.

Certificates of Deposit (CD)

  • Terms ranging from seven (7) days to five (5) years
  • Minimum balance to open varies from $1,000.00 to $2,500.00
  • CDs are automatically renewable
  • Terms of 36, 48 and 60 months offer the option to "bump-up" your rate if the market improves during your fixed term
  • We reserve the right to bid on deposits of $100,000.00 or more
  • Withdrawals prior to maturity are subject to an early withdrawal penalty
  • CDARS is a convenient way to access FDIC insurance on multi-million dollar CD deposits.

Step by Step Add-On Certificates of Deposit



  • $100.00 minimum balance to open
  • Add-on any amount, at any time
  • CDs are automatically renewable at 15 month term
  • We reserve the right to bid on deposits of $100,000.00 or more
  • Withdrawals prior to maturity are subject to an early withdrawal penalty
















For more information on any of our banking products and services, please fill out our info form and a member of our banking team will contact you.