Personal Savings Accounts

Unlock the potential of your savings with an FNC Bank savings account, offering competitive interest rates to grow your money faster. Experience peace of mind and financial growth, all while keeping your funds secure and accessible when you need them.

Simple Savings

Make savings easy with a simple savings account.

Earns interest¹
$50 minimum balance
No monthly service charge if monthly minimum balance is maintained each day during the month
$1 monthly service charge if the balance drops below the minimum
Free statements

Savvy Savings

Level up your savings with a high-interest savings account.

Earns higher interest¹
$2,500 minimum balance
No monthly service charge if monthly minimum balance is maintained each day during the month
$5 monthly service charge if the balance drops below the minimum
Free statements

Minor Savings

Introduce youth to their savings potential and watch them grow.

Earn 3.00% APY on first $1,000²
For customers ages 0-17⁴
Little Nesters Club incentives offered to ages 0-12
No minimum balance
No monthly service charge
Free statements

Money Market Savings For Consumers

Maximize savings with a tiered interest money market account.

Earns interest on tiered balances¹. The more you save, the more you earn!
Access to your funds at any time
$1,000 minimum balance
No monthly service charge if monthly minimum balance is maintained each day during the month
$7 monthly service charge if the balance drops below the minimum
Six free withdrawals each month³
Check writing capability
Free statements

Performance Money Market Savings For Consumers

Take your interest to the max with a performance money market account.

Earns higher interest on tiered balances¹. The more you save, the more you earn!
Access to your funds at any time
$25,000 minimum balance
No monthly service charge if monthly minimum balance is maintained each day during the month
$10 monthly service charge if the balance drops below the minimum
Six free withdrawals each month³
Check writing capability
Free statements

Personal Savings Account Features

All personal savings accounts with FNC Bank offer the following advantages:

Safe way to save money without investment market risks
Access to your full balance at any time – no minimum investment period/term
Free online banking and mobile banking
Convenient mobile check deposit
Free statements
Real-time transaction and account balance alerts
Reliability. We have been a strong, locally-owned community bank for over 100 years, with third-generation family ownership
Efficient and personalized service. Our decision-makers are in-house, enabling fast turnaround times and the personal attention to your banking needs that our customers have come to appreciate

Interested in a Health Savings Account? An HSA is a tax-advantaged savings account that allows individuals or employees with a high-deductible health plan to save money for medical expenses. Learn more about our Health Savings Accounts.

Disclaimer

¹Contact a banker for today’s rates or review our current rate sheet. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal balance in the account each day.

²Account balances up to $1,000 earn an APY of 3.00% with an interest rate of 2.96%. Balances over $1,000 earn an APY of 0.05%. Effective as of 06/03/24. APY = Annual Percentage Yield. Interest rates are subject to change after the account is opened. Fees may reduce earnings.

³A fee of $6 per withdrawal if exceeds six withdrawals in a month. Withdrawals include: Check, Preauthorized or Automatic (ACH), online, sweep, or telephone transfers, debit card or similar order including POS (point of sale) or ATM (Automated Teller Machine).

⁴When the accountholder turns age 18 the account will convert to a Simple Savings account.

What our customers are saying

I like the hometown feel and great customer service. I love the employees and they have went to great lengths to help me with things. Once I left my phone there and customer service called all my kids. Who does that? I love that they care that much.

Jean

So far this year we have opened up savings accounts for our children and navigated a stolen debit card number/fraud. Customer service reps in both situations were wonderful.

Jamie

The best bank I have ever used. Everyone is has been so kind and helpful!

Lisa

We have been customers of FNCB for over 40 years and have been satisfied customers the whole way!

Doreen

Small town service with a smile, big city offerings!

Patty

I appreciate that FNCB keeps up with all the current technology.

Kathryn

Did a great job with refinancing our mortgage, very helpful. Meet all of our regular banking needs with accuracy and a personal touch.

Christine

Always treated as family with every interaction!

Byron

(Mortgage lender) was fantastic at FNC Bank! He helped my family get a loan for our new home. We got a construction loan for a shouse/barndominium. I’ve always heard it can be a difficult process with a bank to get a loan for this type of home and he made it easy. He’s always helpful with any question I have and will give you a great experience.

Tiffany

This is the best bank ever! I love you guys for all you've done for me over the years!

Jennifer

Really great bank, down to earth and personal. Does not have the corporate feeling vibe, long holds on the phone etc. High quality experience for sure. If buying a home, (FNC Bank) is truly fantastic.

Shawn

Have been extremely happy for the past 32 years as a customer.

James

FNC Bank has been our bank for over 40 years! Never had any issues. Great service!

Richard

Keep doing a great job in helping customers with fraudulent charges. Top notch support. Some of my friends have had these issues with fraud and they received ZERO support from their bank. (that was not FNCB)! Thank you!

Kate

I absolutely love this bank!! They are very personable and I have NEVER had an issue with anything!! I love the ability to work with a small bank that is NOT forced to follow the "Rules" of a corporate company!!

Cory

Friendly and capable employees who go beyond the ordinary. I was very impressed with the loan officer who helped with the car loan I received even though the dealer was being ridiculous. It took people in the Hudson and New Richmond offices to get it done, but it was completed in one day.

Deborah

(Commercial Lender) was amazing to work with. My husband and I had a business idea and were not sure if the financing would work out. I'm so glad we called him. He was easy to work with, very responsive, and clearly knowledgeable in his field. Highly recommend.

Mindy

I have been with FNC bank for over 20 years and even though I have moved, I like the small town bank so I continue my accounts there.

Christyl

Banked here for 15+ years. The staff are always helpful and knowledgeable, I recommend this bank to everyone I can!

Auir

We have banked at FNC bank for over 20 years. We can not say enough about how helpful the personnel has been whenever we have needed help doing or understanding something.

Arthur