CDs & IRAs

Certificates of Deposit (CDs)

Safe and secure, CDs offer an ideal investment for those who want a higher yield with lower risk. At First National Bank, you have options.

Renewable CDs – For a guaranteed interest rate and flexible term options, choose a renewable CD.

Non-Renewable CDs – Meet your short-term investment goals and get competitive interest rates with a non-renewable CD.

Individual Retirement Accounts (IRAs)

Get tax incentives and grow your retirement income with IRAs to help you meet your financial goals.

Traditional IRAs – Contribute to your retirement fund with pre-tax earnings, penalty-free withdrawals (with some restrictions) and required distribution starting at age 70.

Roth IRAs – Contribute to your retirement fund with after-tax earnings and enjoy the benefit of no required withdrawals at any age.

SIMPLE IRAs – Designed for small businesses, this plan allows employers and employees to contribute to traditional IRAs and save for retirement.

SEP IRAs – Designed for businesses of any size including the self-employed, a SEP does not have the start-up and operating costs of a conventional retirement plan and allows for a contribution of up to 25% of each employee’s pay.

Rollover IRAs – Designed for individuals who have switched jobs, a Rollover IRA allows you to continue to control your assets from your retirement plan.