Personal Banking

Individual Retirement Accounts

Individual Retirement Accounts (IRAs) were created to encourage individuals to save and supplement their retirement savings. To help choose the account that's right for you, contact a First National representative today.

IRA Brochure

IRA Rates

FDIC INCREASES DEPOSIT COVERAGE FOR IRA ACCOUNTS.
EFFECTIVE APRIL 1, 2006, FDIC INSURANCE HAS INCREASED
FROM $100,000 TO $250,000 PER INDIVIDUAL.

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Traditional IRA Accounts
Save for retirement with tax-deductible donations to your own future.
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Roth IRA Accounts
Roth IRAs can enable you to remain in the same income tax bracket (or higher) at retirement, because you pay your taxes on the front-end by contributing after-tax dollars. Click for details »

Coverdell Education Savings Accounts
Education costs keep rising, but you can take control of any beneficiary’s current or future educational situation with an Education Savings account, created exclusively for saving for the expenses of education.
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SEP Accounts
Provide for the future of your employees with a Simplified Employee Pension (SEP). The employer or employee deposits contributions into an account for the employees of the company and may be tax-deductible by the employer. Click for details »

 

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