Certificate of Deposit   Our CDs offer competitive interest rates along with great flexibility. Your interest can be compounded on a quarterly basis, paid by check monthly, quarterly or semi-annually, or can be transferred to another deposit account. Our CDs are FDIC insured up to $100,000, so you know your investment is safe. Minimum deposits range from $100 up to $1000 Wide variety of terms including 91 days, 182 days, 1 year, 2 year, 3 year, 4 year, 5 year Automatic renewal (unless you notify us up to 10 days after maturity date) Easy online access A penalty may be applied for early withdrawal

Checking Accounts

We offer a variety of checking accounts to meet your needs. Contact our Customer Service Representative for the right checking account for you.

Credit Cards

For your convenience we offer our customers the Visa and MasterCard credit cards. Contact jane@fnbnelsonville for your credit card needs.

IRA

The First National Bank Individual retirement account is one of the best ways to invest for your retirement. With an IRA account funds are invested in a certificate of deposit with fixed or variable terms that are FDIC insured.

• Traditional IRA: traditional IRAs are available to persons under the age of 70 ½ with earned income within the modified adjusted gross income. Up to $3000 of your income can be contributed each year and your contribution may be tax deductible. If you are over the age of 50, you may contribute up to $3500 each year.
• Roth IRA: These IRAs are available to individuals with income within the modified adjusted gross income, regardless of age. Up to $3000 of your after tax income can be contributed each year and your contribution will go tax free if kept on deposit for 5 years. If you are over age 50 you can contribute $3500 each year.
• Educational IRA: These accounts can be set up by anyone for any child under the age of 18. Up to $2000 can be contributed each year. Withdraws may be taken tax-free if used for educational purposes, but your contributions are not tax deductible.
• Contact your tax advisor for potential tax savings.

For more information contact Mary Jane Lax at the bank or online at maryjane@fnbnelsonville.com

Lending

We offer a full spectrum of loans at competitive rates including:

Come in and see one of our loan officers or contact them via email at:

maryjane@fnbnelsonville.com (Mary Jane Lax for loans and IRAs)

eric@fnbnelsonville.com (Eric Courtney for Real Estate loans)

gary@fnbnelsonville.com (Gary Hazlett for loans and collections)

jane@fnbnelsonville.com (Jane Harmony for Credit Cards)

We offer a variety of ways to pay your loan payments also. You can have them deducted from your First National Bank deposit account, pay online, by our Dial-A-Bank service or by cash or check.