Personal Savings

Money Market

For investment - minded individuals, an insured money market account is a wise choice. The interest rate varies to reflect current market conditions. So if the rate rises, you can earn higher rate. Interest is compounded and paid monthly on the daily balance. Transactions are listed on your monthly statement. This account offers daily liquidity allowing deposits and withdrawals as your cash needs change.

• $1,000.00 Minimum to open account

• $1,000.00 Minimum daily balance to waive service fee

• $5.00 Monthly service fee if below minimum balance

• Unlimited withdrawals in person

• Maximum of six checks per month to a third party

• Withdrawal restrictions are set by law. if you exceed these limits, we are required to close your account.

Certificate of Deposit

A certificate of deposit (CD) offers a high fixed rate of interest at the term of your choice. CD specials are available from time to time. Open an account at any of our locations today.

Individual Retirement Account

An Individual Retirement Account (IRA) is a special savings plan insured up to $250,000.00 by the FDIC to help you accumulate funds for retirement. Any individual who has earned income may contribute to an IRA or spousal IRA. Incomes from sources such as investments or inheritance do not qualify, annual contribution limits apply. We offer flexible terms and completive rates on both Traditional IRA's and Roth IRA's.

For more information on IRA accounts contact Sally Nelson at The First National Bank of Niagara.

Regular Savings Account

Interest-bearing account that can be accessed at any time through the Teller window and Internet banking.  A statement or passbook is provided to keep track of all transactions. 

• Interest - bearing account

• No set deposit required

• No minimum balance

• Unlimited transactions

• No withdrawal penalties

• No service charge (except for dormant accounts)

Other Savings Accounts Available

• Christmas Club

• Junior Savings Account