PERSONAL SAVINGS

Whether you need a convenient way to manage your long-and short-term cash, or invest in a CD, IRA or Health Savings Account, we’ll sit down and help you get there.

Regular Savings

Simple savings at any age.
  • Online Banking
  • eStatements
  • Telephone Banking
  • Withdrawals: 6 per calendar month or statement cycle ($2.00 per withdrawal for transactions that exceed 6). Withdrawals made at an ATM are unlimited.
  • Monthly Service Charge: $2 if balance falls below $100. (Waived for customers under 18 yrs.)
  • Learn More

Money Market Accounts

Higher interest rates from this savings account.

  • Online Banking
  • eStatements
  • Telephone Banking
  • Tiered interest rates based on balance
  • Withdrawals: 6 per statement cycle ($2.00 per withdrawal for transactions that exceed 6). Withdrawals made at an ATM are unlimited.
  • Monthly Service Charge: $10 if balance falls below $1000 minimum
  • Learn More

Health Savings (HSA)

A Health Savings Accounts (HSA) helps individuals save and pay for current and future medical expenses on a tax-free basis. HSA’s are used in conjunction with a “High Deductible Health Plan” (HDHP). Not all customers are eligible for an HSA. Contact one of our customer service representatives to determine whether or not an HSA is right for you.

  • Account earns tiered Money Market Savings rates*
  • No monthly maintenance fee with $400 minimum balance
  • Service fee of $4.00 plus .15 per check will be assessed if account falls below minimum balance
  • Free HSA Visa® Check Card
  • Free Online Banking and Electronic Statements
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*Contact an account representative at one of our branch locations for interest rate information.

Note: *Contact an account representative for current rates. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items, (for example, checks). Interest will be compounded daily and will be credited to the account monthly. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Certificate of Deposit (CD)

A low risk savings account with a guaranteed rate of return and a variety of terms.

  • Competitive rates*
  • Variety of terms - 91 days to five years
  • Low minimum deposits - as low as $500
  • Early withdrawal penalties may apply. FDIC Insurance based on account ownership status and account type.
  • Learn More

*Contact an account representative at one of our branch locations for interest rate information.

CDARS CD Program

Offers FDIC insurance on deposits of up to $50 million.

Competitive rates*

As a member of the Certificate of Deposit Account Registry Service® (CDARS), First Community Bank can give you FDIC insurance on your deposits over $250,000, allowing you to work directly through us, receiving one rate and one statement for the entire amount. It is the easiest, most convenient way to enjoy full FDIC insurance on deposit amounts over the federal limit. For more information on how this program works, call an account representative at your local First Community Bank.

CDARS TUTORIAL

Individual Retirement Account (IRA)

IRAs offer either tax-deferred or tax-free growth of any earnings. Some IRAs even provide tax-deductible contributions.

First Community Bank offers:

  • Traditional IRA
  • Roth IRA
  • Self-Directed IRA
  • Educational IRA
  • Learn More

*Contact an account representative at one of our branch locations for interest rate information.