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Regular Savings Account 

Ideal for those that prefer a traditional savings account. 

  • 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)

Charges apply only if balance drops below $50.00.
Must Maintain minimum balance to earn interest.

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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

One withdrawal per month.
$5.00 charge for add'l withdrawals.

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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

WUTMA is for customers under the age of 12.
Youth Savings is for customers under the age of 18.

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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 receive. 

  • 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

Charges apply only if balance drops below minimum.
Touchtone Banking.

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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. 

  • Online Banking
  • eStatements
  • 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

*$2.50 service charge per Statement Cycle on accounts with balances under $3,000.00. $10.00 Set-up fee.

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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 IRA’s available

Speak to our investment professional for the best IRA option for you.


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

Minimum Balances & Terms determined by each certificate. Substantial Penalty for Early Withdrawal.

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Money Market 

It’s savings. It’s checking! It’s a great account for those who want more. We've 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. 

  • Online Banking
  • eStatements
  • You may make six transfers from this account each four-week statement period. There may be pre-authorized 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)

Charges apply only if balance drops below minimum.
Touchtone Banking. Interest credited monthly.


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