Savings / Money Market / CDs

In this economy, it’s important to understand the fundamental importance of a consistent savings plan. Do you need a Personal Savings account? Do you need a Money Market account? Do you need to invest in CDs? At FNBC, we’ll ask you questions to find out exactly what ‘saving’ options are best for you. We’ll even go the extra mile and help teach your kids the principles of saving money with our Little Savers account.

For security for you and your family and peace of mind, all deposits at FNBC are FDIC insured, within FDIC guidelines.

Regular Savings

  • Minimum to open: $100
  • Minimum monthly balance to avoid service charge: $100
  • Service charge: $6.00 (when account falls below minimum)
  • Two transactions per month ($5.00 per transaction thereafter)


Vacation Club Savings
Prepare for your Summer vacations by taking advantage of our Vacation Club Savings account. You'll be able to enjoy your fun in the sun way more when you save for it all year round!

  • Minimum to open: $10
  • Checks printed in May


Christmas Club Savings
It's beginning to look a lot like Christmas - all year round! Saving up for those expensive little electronic devices or that Christmas trip just got easier! Reduce the stress of Christmas finances when you open a Christmas Club Savings account at FNBC.

  • Minimum to open: $10
  • Checks printed in November

Little Savers
Help your kids learn how to start saving at an early age with a Little Savers account from FNBC. And they'll be well on their way to learning about things like interest, deposits, setting money aside and the benefits of saving.

  • Minimum to open: $10
  • Must be 13 years of age or under
  • Minimum monthly balance to avoid service charge: $10
  • Service charge: $2.00 (when account falls below minimum)
  • Two transactions per month ($5.00 per transaction thereafter)

Round-Up Savings
Our Round-Up Savings Program allows customers to round up every FNBC debit card transaction to the nearest dollar, and have the difference put into a savings account of your choice. With every swipe of your debit card you'll be saving money. Now you can start saving towards your child's education, that ATV you've been wanting, or a new addition to your home. That's not the best part. FNBC's Round-Up Savings Program is totally free to all our customers. Enrollment is required.

Money Market Accounts

  • Minimum to open: $2,500
  • Minimum balance to avoid service charge: $2,500
  • Service charge: $8.00 per month (when account falls below minimum)
  • Six withdrawals per month ($5.00 per transaction thereafter)


Certificates of Deposits (CDs)

For customers who do not require immediate access to their funds and want to earn a higher rate of interest, FNBC offers a variety of CD options and term lengths. Competitive interest is compounded daily. CD accounts are fee-free; however, substantial penalties will apply for early withdrawals. CD accounts earn interest at the Rate and Annual Percentage Yield (APY) printed on the face of the certificate for the initial term of the certificate. For each automatic renewal, the interest Rate and Annual Percentage Yield (APY) will renew at the prevailing APY and for the same term length.

  • Minimum to open: $1,000 

 

Sweep Feature
Our checking, savings, and money market accounts can be linked securely to your checking account and can provide funds transfers when your account drops below $0. This feature automatically transfers enough to cover checks/debits to bring your account to a $1.00 balance. Ask about the fees and enrollment for this feature.