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Savings

Statement Savings

To help you reach your goals.

  • Only $50 deposit needed to open
  • This tiered interest-bearing account pays higher rates on larger balances
  • Maintain a $50 balance and avoid a service charge
  • If your balance falls below $50, there will be a $1 per month charge
  • Two free withdrawals/tranfers per calendar month; If you need to make more there will be a $1.00 fee for each withdrawal/transfer over two
  • Transfers to another account or to third parties by preauthorized, ACH, telephone or online banking are limited to six per calendar month. There will be a $1.00 fee for each transfer/withdrawal over two.
  • Unlimited withdrawals may be made in person or at an ATM, There will be a $1.00 fee for each transfer/withdrawal over two per calendar month
  • Earn interest on all collected balances, no minimum balance required

 

Investment Account (Money Market)

Savings with flexibility.

  • Only $50 deposit needed to open
  • This tiered interest-bearing account pays higher rates on larger balances.
  • Keep a balance of $1,500 or more and avoid a service charge; If your balance falls below $1,500, there will be a $7 per month charge
  • Flexibility to make up to six withdrawals/transfers payable to third parties by check, debit card, ACH, or similar order per calendar month. There will be a $7.00 fee for each withdrawal/transfer over six per calendar month
  • Unlimited withdrawals may be made in person or at an ATM. There will be a $7.00 fee for each withdrawal/transfer over six per calendar month  
  • Earn interest on all collected balances, no minimum balance required

 

Minor Savings

Get your children or grandchildren started early with our special Minor Savings account.

  • Only $1 deposit needed to open
  • This tiered interest-bearing account pays higher rates on larger balances
  • For individuals under 18 years of age
  • No minimum balance required
  • Two free withdrawals/transfers per month. If you need to make more, there will be a $1.00 fee for each withdrawal over two
  • Transfers to another account or to third parties by preauthorized, automatic, telephone or online banking are limited to six per calendar month. There will be a $1.00 fee for each withdrawal/transfer over two 
  • Unlimited withdrawals may be made in person or at an ATM. There will be a $1.00 fee for each withdrawal/transfer over two 
  • Earn interest on all collected balances

 

Health Savings Account (HSA)

If you have a high deductible health plan (HDHP) --- why not set money aside in a tax deductible account to pay for qualified medical expenses.

Here are some of the benefits of an HSA:

  • Deposits are tax-free
  • Investment earnings grow tax-free
  • Withdrawals are tax-free when used for qualified medical expenses

The above benefits apply when used within IRS regulations regarding Health Savings Accounts. Consult your tax advisor for details.

Advantages of a First National Bank HSA:

  • Only $100 deposit needed to open
  • No set-up fees or annual administration fees
  • Specially designed HSA debit card provided at no charge
  • Unlimited check writing and no per check fees
  • Earn a tiered rate of interest based on your balance 
  • View your HSA through our online banking

Want to learn more?

Take a look at some of the very user friendly information provided by the U.S Treasury Department at:

http://ustreas.gov/offices/public-affairs/hsa/faq_basics.shtml


 

Certificate of Deposit (CD)

If you are looking for safety as well as a solid rate of return when you invest, consider a First National Bank Certificate of Deposit. We offer a wide range of certificates with various terms and interest rates depending on your investment needs.

  • Open with as little as $1,000
  • Choose maturity from 30 days to 60 months
  • May be setup as single maturity or automatic renewal
  • Higher rates available on balances of $50,000 and over
  • Raise-the-Rate feature on 36 month CD

 

“Raise-the-Rate” CD

Want a CD with flexibility…check out our 36 month CD with the Raise-the-Rate option. If interest rates go up, tell us you want to take advantage of your one-time Raise-the-Rate option, and you’ll automatically be earning the new higher rate of interest for the remainder of the 36 months. There you go…it’s that easy.

For our current Annual Percentage Yields and rates on CDs call us at (936)327-1234 or (800)324-9279.


 

Individual Retirement Account (IRA)

You deserve the retirement of your dreams. Let us help you get there with an Individual Retirement Account.

  • Open with as little as $250 for a 12 month maturity or $1,000 for maturity greater than 12 months
  • Maturities range from 12 months to 60 months
  • ROTH IRAs also available
  • FDIC coverage now $250,000 for certain retirement accounts
  • Best of all there’s no application fee, no monthly fee, no annual fee

For our current Annual Percentage Yields and rates on IRAs call us at (936)327-1234 or (800)324-9279.

Phone: 936-327-1234    Toll Free: 800-324-9279
First National Bank of Livingston
     
Member FDIC      EHL
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