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Whether your savings goals are short-term, for the future, or to live your dream in retirement, we are here to suggest savings and investment options that will set the course for your future and help you attain the goals you have set for you and your family.
Compare Our Savings Accounts
| Accounts | Savings | Savings For Minors | Money Market |
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Minimum To Open
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$100.00
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$25.00
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$100.00
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Service Fee
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• $5.00 service fee for each withdrawal in excess of the allowed nine per statement cycle period
• $3.00 service fee is assessed each quarter if the minimum balance falls below $100.00
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• $5.00 service fee for each withdrawal in excess of nine
• $3.00 service fee is assessed each quarter if the minimum balance falls below $25.00
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• $10.00 service fee for each withdrawal in excess of the allowed six per statement cycle period
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Details
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Savings
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Additional Details
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- Interest is compounded quarterly and is paid quarterly on collected balances. Rates are available upon request
- Interest for the quarter is forfeited if the account is closed prior to the end of the quarter
- No interest is paid for the quarter if the minimum balance falls below $100.00 during an interest-paying period
- Nine withdrawals are allowed each quarter at no cost
- Savings statements are sent quarterly
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Savings For Minors
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Additional Details
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- Interest is compounded quarterly and paid quarterly on collected balances. Interest rates are available upon request
- Interest for the quarter is forfeited if the account is closed prior to the end of the quarter
- No interest is paid for the quarter if the minimum balance falls below $25.00 during an interest-paying period
- Nine withdrawals are allowed each quarter at no cost
- Savings statements are sent quarterly
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Money Market
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Additional Details
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- If the balance on the account falls below $1,000.00 at any time during the statement cycle, a $10.00 service charge will be assessed
- Six withdrawals per statement cycle period made by check or draft
- Interest accrues daily at a variable interest rate that fluctuates with current market rates and is paid monthly at statement cycle time on collected balances. The interest rates, as determined by management, are subject to change daily, and are available upon request
- All accrued interest is forfeited if an account is closed prior to the end of any statement cycle period
- Check order charges will vary based on the type and quantity of checks ordered
- VISA® Debit Card available
- Online Banking & Bill Pay (No Charge)
- Mobile Banking (No Charge)
- Mobile Picture Deposit ($0.50 per deposit)
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CDs
We offer a variety of certificates of deposit ranging from 3-month to 48-month terms. Interest rates are updated periodically and are fixed for the term of the CD once the specific option is chosen.
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Minimum Opening Deposit
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$1,000.00
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Additional Details
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At First National Bank & Trust Co. our Certificates of Deposit offer safety, liquidity, and a source of income. Our certificates can be renewed automatically for the same term. A penalty for early withdrawal will apply. Interest rates are subject to change and are available upon request.
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IRAs
First National Bank & Trust Co. offers both traditional and ROTH IRAs. Penalties for early withdrawal will apply unless you are 59 1/2 years old or older.
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IRA Service Charges Assessed
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Fee Amount
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Account Setup Fee
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No Charge
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Monthly Maintenance Fee
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No Charge
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Close Out Fee
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$25.00
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Transfer Fee
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$25.00
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Safe Deposit Boxes
First National Bank & Trust Co. can help you protect important documents or personal belongings that may need protection from loss by fire, theft, flood, tornado, or other disasters.
If you are interested in renting a Safe Deposit Box, contact one of our account representatives. Size and price vary by location. Safety Deposit Boxes are available at the following branches:
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Canute
Granite
Holdenville
Lawton - Quanah Parker
Mangum
Shawnee - Main
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Contact your branch location for box sizes, pricing, keys, and the drilling of boxes.
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Money Concepts
For our customers seeking investment counsel, we offer the services of Kerry Cox with Money Concepts, an international financial planning network.
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