Personal Savings Accounts
Saving money is a key financial goal for many people. And most people look to their bank for personal savings accounts that can help them meet their savings goals. Here at FNCB, we offer a wide range of different kinds of personal savings accounts to meet every type of savings need.
Click here to see a comparison chart of the Savings Accounts that we offer.
Optimum Statement Savings — Variety in savings
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Optimum Statement Savings
With the Optimum Statement Savings Account, you benefit from a tiered variable interest schedule. The higher your savings balance, the more interest you can potentially earn.
- No minimum balance to open the account.
- Tiered Variable Interest Rate.
- Account earns interest with a balance of $0.01 and over.
- Easy access through an ATM.
- Combined statements are available.
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Performance Statement Savings — A relationship account
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Performance Statement Savings
With the Performance Statement Savings Accounts, you can potentially earn a higher rate of interest if you maintain a higher savings balance. It works together with your FNCB Performance Checking account to offer maximum financial flexibility.
- No minimum balance to open the account.
- Interest rate based on account balance.
- Account earns interest with a balance of $10,000.00 or more.
- Unlimited deposits including transfers into the account.
- Easy access through an ATM.
- Combined statements are available.
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Youth Savings — Develop saving habits early
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Youth Savings Account
Teach your children the value of saving at an early age by helping them open a Youth Passbook Savings Account or a Youth Statement Savings Account. These interest-bearing accounts can be opened by anyone who is 21 years old or younger.
- $10 minimum to open the account
- Account earns interest with a balance of $0.01
- Available to individuals 21 years of age and younger
- Available in passbook or statement format
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Passbook Savings — Interest-bearing and simple
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Passbook Savings
A traditional Passbook Savings Account provides a simple and convenient way for you to maximize your savings. It pays a competitive interest rate, and all transactions are posted to your passbook, which makes it easy for you to keep your savings records up to date.
- All transactions are posted to your passbook so you always have a record of your account.
- No minimum balance to open the account.
- Account earns interest with a balance of $200.00 or more.
- Unlimited deposits including transfers into the account.
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Holiday/Vacation Clubs — Save in advance
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Holiday/Vacation Clubs
Save for your vacation in advance with a Holiday Club or Vacation Club Savings Account. The clubs run for a 50-week term and deposits can be made as often as weekly if you choose.
- The minimum deposit to open the account is $5.00.
- Weekly payments may be made in any amount you choose.
- Weekly payments may be auto-drafted from an existing or new deposit account.
- Clubs run for a 50 week term: Holiday Clubs run from October to October and Vacation Clubs run from April to April.
- The interest rate is fixed for the term of the club and is only payable at the club maturity.
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