Savings Plans

Regular Savings Account

Ideal for those that prefer a traditional savings account.

  • FREE eStatements
  • Make deposits and withdrawals at your convenience
  • Access your money at any of our offices
  • $50.00 minimum balance required
  • $200.00 minimum required to earn interest
  • $1.00 monthly service charge (Applies only if balance drops below minimum required)

Core Savings Account

The Core Savings Account makes it easy to increase your savings account balance while receiving a great rate!

  • Must have a First National Community Bank (FNCB) Checking Account
  • One automatic funds transfer (AFT) must be established from your FNCB Checking account into the Core Savings Plan
  • Only one withdrawal allowed each month.  $5.00 charge for each additional withdrawal.

WUTMA/Youth Savings

A savings account especially for our younger customers.

  • WUTMA Accounts are for customers under age 12
  • Youth Savings are for customers under age 18
  • No minimum balance required
  • No monthly service charge

T-Bill Savings

The T-Bill Savings account was specifically developed as a high-yielding account which allows our customers easy access to their funds.  The rates are tiered so the higher your balance, the higher the interest rate you will recieve.

  • Must maintain minimum balance to earn higher rate
  • Balance below minimum earns regular savings rate
  • Minimum balance $50.00 required to avoid service charge.
  • $1.00 monthly service charge (Applies only if balance drops below minimum balance required.

Health Savings Account (HSA)

An HSA is a tax-exempt account designed exclusively for paying your qualified medical expenses and is FDIC insured, up to $250,000. It allows you to make the best decisions regarding how to spend your health care dollars.

  • FREE eStatements
  • FREE Online Banking
  • Make contributions and earn interest, tax free
  • Take tax free distributions, as long as they are used for qualified medical expenses
  • Write checks
  • Use a Debit Card
  • $3000.00 minimum balance required to avoid $2.50 per statement cycle service charge

IRA's

Good for you!  You have made the commitment to save for your future!  Of course, and IRA may be the perfect savings vehicle for you.

  • Potential tax benefits
  • Save money for your retirement
  • Choose between a Traditional or Roth IRA
  • Education IRAís available

Certificates of Deposit Accounts

We offer a wide variety of terms and minimum deposits based on the type of Certificate that you choose.

  • Flexible maturity terms and competitive interest rates available
  • Interest is compounded and credited quarterly unless otherwise disclosed
  • Interest rate is guaranteed for the term of the certificate

Money Market

Itís savings. Itís checking! Itís a great account for those who want more. Weíve combined all the access of a checking account with the higher interest of a savings account. Plus, the rates are tiered, so the higher your balance, the higher the interest rate you will receive.

  • FREE eStatements
  • FREE Online Banking
  • You may make six transfers from this account each four-week statement period.  There may be preauthorized or automatic transfers or telephone transfers.  These transactions may also be made by check, draft, debit card, made by the depositor and payable to third parties
  • Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited
  • $2,500.00 minimum balance required to avoid service charge.
  • $15.00 monthly service charge (Applies only if balance drops below minimum balance required)