A Variety of Savings Options

Saving money is a necessary skill that serves you well throughout your life. Your savings needs may be different from your neighbors, but at First National Bank, we don’t believe in taking a cookie-cutter approach when it comes to helping you save money. That’s why our customer service staff works with each of our customers individually to educate them about the benefits that our savings accounts, CDs and HSAs all offer.

Available Savings Accounts

SAVINGS AND INVESTMENTSStatement SavingsFirst Money MarketCertificate of DepositChristmas Club
Minimum BALANCE TO OPEN$100.00$2500Variable$5.00
Minimum Balance RequirementNone$2500 minimum daily balance$1000$5.00
Monthly Maintenance FeesNone$8 (if account falls below minimum daily balance)N/AN/A
Interest EarningsVariableVariableFixedVariable
Interest CalculatedCompounded dailyCompounded monthlySimpleSimple
Interest PaidMonthlyMonthlyQuarterly or at maturity, based on termAt maturity – Annually first business day of November
EXCESSIVE TRANSACTION FEE$1.00 per withdrawal in excess of six per month$7.50 per withdrawal in excess of six per monthly statement cyclePenalty for early withdrawal$1.00 per withdrawal in excess of six per month
ATM CARD FEE$12.00$12.00N/AN/A
ATM Transaction Fee*NoneNoneN/AN/A
FIRST Line AccessYesYesYesYes
FIRST Line / pHONE TRANSFER Fee$2.00 per transfer$2.00 per transferN/AN/A
FIRST Net Internet Banking AccessYesYesYesYes

Your total deposits are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000 to provide you with maximum security. *When you use an ATM not owned by us or not a member of the Privileged Status Program, you may be charged a fee by the ATM operator or any network used to complete the transfer (and you may be charged a fee for a balance inquiry). As of 09/30/2019 BR.


When you want your earnings to grow quicker with a higher interest rate, First National Bank offers Certificates of Deposits, also known as CDs. Benefits of CDs include:

  • Flexible terms
  • Collect earned interest in multiple ways
    • Check
    • Transfers into another account
    • Reinvested into the CD


Are you going to be able to live comfortably in your retirement? If you’re not sure, then it’s time to start thinking about how you want to live in your retirement by opening an IRA. First National Bank offers Traditional and Roth IRAs.*

Health Savings Accounts

No one likes to think about becoming ill, but it is important to be prepared for medical expenses when they happen.  First National Bank offers health savings accounts (HSAs) that are covered by high-deductible health plans and offer tax incentives to encourage you to save for your future health needs. Other eligibility requirements for HSAs include:

  • Not being covered by any other health plan that isn’t a high-deductible health plan
  • Not being enrolled in Medicare
  • Not being claimed as a dependent on another individual’s tax return

HSAs at First National Bank in Fairfield are interest-bearing checking accounts, and include a free debit card to be used to pay for medical expenses.

Save with First National Bank Today

To find out more about the savings options available to you at First National Bank, please fill out our online inquiry form by clicking the “Inquire Now” button. You can also check out the interest rates associated with each of our accounts by viewing our rate sheet.

Inquire Now


*Please direct tax-related questions about which IRA is best for you to your tax advisor or the IRS.