Saving solutions to help you reach your financial goals.

Do you have multiple savings goals? Saving for a home? Saving for retirement? Saving for college? Maybe you’re saving for a weekend away. Having more than one savings plan can keep you organized and allow you to take advantage of unique account benefits.

We’re here to help. Let us know if you need any assistants in deciding which account is right for you.

Statement Savings

Savings is about building for the future & being prepared for something unexpected but you don’t need a fortune to get started!


  • √ $1 Minimum Opening Deposit
  • √ No Balance Requirements
  • √ Earn Interest at variable rate
Info At a Glance
eClub Account

eClub Accounts make it simple to meet short-term savings goals.


  • √ $10 Minimum Opening Deposit
  • √ No Balance Requirements
  • √ Earn Interest at variable rate
  • √ Maturity Month that works best for you
Info At a Glance
Christmas Club

Want to take some of the stress out of the holidays? Let’s start savings for it now!


  • √ $10 Minimum Opening Deposit
  • √ No Balance Requirements
  • √ Earn Interest at variable rate
  • √ Account term runs through mid-October each year
Info At a Glance
Certificate of Deposit

Earn a higher rate of return on a safe, secure investment.


  • √ $500 - $1,000 Minimum Opening Deposit
  • √ Earn Interest
  • √ Variety of terms available from 3 Months to 60 Months
Info At a Glance
Individual Retirement Account

Whether you’re just starting a career or have been working for a while, the decisions you make today will help shape your future.


  • √ $500 - $1,000 Minimum Opening Deposit
  • √ Earn Interest
  • √ Variety of terms available from 3 Months to 60 Months
Info At a Glance
Health Savings Account

If you’re covered by a high deductible health care plan, an HSA allows you to save for healthcare expenses with a nice tax advantage.


  • √ $100 Minimum Opening Deposit
  • √ No Service Charge if balance requirements maintained
  • √ No setup or annual fee
Info At a Glance

Statement Savings
at-a-Glance

Savings is about building for the future but you don’t need a fortune to get started! For interest rates on our Savings Accounts go to our Rates page.


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Statement Savings Account Details
  • $1 minimum opening deposit
  • Interest earning with variable rate
  • Instant Issue Debit card available upon request
  • Transaction Limits Apply
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Statement Savings Accounts come with the following FREE* Perks
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Put Your Savings on Autopilot
  • Setup recurring automatic transfers with Mobile or Online Banking
  • You ask. We’ll do it! Automatic transfers can be set-up in the amount and on a schedule that works for you
  • Nothing like that feeling of security when you’ve saved for something unforeseen or just making plans for the future.
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Financial Tools

e-Club Account
at-a-Glance

e-Club Accounts make it simple to reach short-term savings goals. Open multiple accounts for multiple goals! For Interest Rates on e-Club accounts go to our Rates page.


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eClub Account Details
  • $10 minimum opening deposit
  • Interest earning with variable rate
  • Maturity month that works best for you – January thru December
  • Maturity date is on the 3rd Wednesday of the maturity month you select
  • At maturity, account balance plus interest will be transferred to your FNB checking or savings account
  • No additional withdrawals are allowed
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e-Club Accounts come with the following FREE* Perks
airplane, plane, aeroplane, travel, vacation, transportation, holiday
Put Your Savings on Autopilot
  • Setup recurring automatic transfers with Mobile or Online Banking
  • You ask. We’ll do it! Automatic transfers can be set-up in the amount and on a schedule that works for you
  • Nothing like that feeling of meeting those short-term savings goals!

Christmas Club
at-a-Glance

Want to take some of the stress out of the holidays? Let’s start savings for it now! For interest rates on Christmas Club accounts go to our Rates.


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Christmas Club Account Details
  • $10 minimum opening deposit
  • Interest earning with variable rate
  • Account term runs through mid-October each year
  • At maturity, account balance plus interest will be paid by check or transferred to your FNB checking or savings account
  • No additional withdrawals are allowed
sunglasses
Statement Savings Accounts come with the following FREE* Perks
airplane, plane, aeroplane, travel, vacation, transportation, holiday
Put Your Savings on Autopilot
  • Setup recurring automatic transfers with Mobile or Online Banking
  • You ask. We’ll do it! Automatic transfers can be set-up in the amount and on a schedule that works for you
  • The holidays are more fun, less stressful, when you've saved for them

Certificate of Deposit
at-a-Glance

Our Certificate of Deposit (CDs) accounts offer an opportunity to earn a higher rate of return on a safe, secure investment. We offer a variety of terms to fit with your savings strategy. Click for Interest Rates and terms on CDs.


Guaranteed, fixed rates for the length of our term
  • Terms ranging from months to years
  • Minimum opening deposit varies based on term
  • No risk investments, commissions or management fees
  • Early withdrawal penalties may apply
Your deposits with us are insured by FDIC insurance to applicable limits.
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Let Your CD Work Harder for You
  • Allow interest to compound. Earn interest on your interest.
  • Consider a longer-term CD. Higher interest rates are generally offered for longer terms.
  • Determine how much liquidity you need. Shorter-term CDs can provide earlier access to funds but they generally don’t earn as much as the longer-term CDs.
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Financial Tools
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Ready to Put Your Money to Work? Want to know more?

Individual Retirement Account
at-a-Glance

It’s never too early to plan for your future by investing today. An Individual Retirement Accounts (IRAs) is a tax-advantaged investment account designed to help you save toward retirement. It allows your money to grow on a tax-deferred or tax-free basis, depending on the type of account. One of the most effective ways to save and invest for the future.


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Tax-advantaged retirement savings
  • Choose from a Traditional IRA or a Roth, both which have tax advantages
  • Traditional IRA provides potential tax relief today
  • Roth IRA has the potential for more tax benefit at the time of retirement
  • Determining which IRA is best for your unique situation depends on your age, income, and financial goals
  • Consult with your tax or investment advisor to discuss your specific tax situation and to decide which IRA is right for you
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Account Option – IRA Savings Account
  • It only takes $10 to get started with our IRA Savings Account
  • No monthly or annual maintenance fees
  • Account earns at a variable interest rate
  • Save at your pace - Additions may be made as often as you wish up to the annual contribution limit
  • We can help simplify your savings by setting up an automatic transfer from your checking account on a regular schedule for the amount you set
  • Click for Interest Rates on IRA Savings Accounts.                             
Account Option – Certificate of Deposit
  • Guaranteed, fixed rates for the length of our term
  • Terms ranging from months to years
  • Minimum opening deposit varies based on term
  • No risk investments, commissions or management fees
  • Early withdrawal penalties may apply
  • Click for Interest Rates and terms on IRA CDs.
Your deposits with us are insured by FDIC insurance to applicable limits.
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Ready to get a head started on your retirement goals? Contact Us.

Health Savings Account
at-a-Glance

HSAs were established to provide persons covered by a high deductible health plan (HDHP) with a tax-free way to save for current and future healthcare expenses. You may pay for a wide range of IRS-qualified medical expenses with your HSA, including many that aren’t typically covered by health insurance plans. This includes deductibles, co-insurance, prescriptions, dental and vision care, and more. For a complete list of IRS-qualified medical expenses and additional information on HSA accounts visit www.irs.gov


Account Details
  • No setup and no annual fee
  • Minimum balance required: $100
  • Monthly service fees based on balance:
    • $6.00 if balance < $100.01
    • $4.00 if balance > $100 but < $200.01
    • $2.00 if balance > $200 but < $300.01
  • Individual and employer direct deposit contributions accepted
  • Automatic contributions from your FNB checking or savings account available
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Eligibility Requirements
  • You must be covered by a high deductible health plan
  • You cannot have any other health / medical coverage this is not a HDHP
  • You cannot be enrolled in Medicare
  • You cannot be claimed as a dependent on someone else’s tax return
Self Only Coverage Limits 2022 2023
Maximum Annual HSA Contribution $3,650 $3,850
Minimum Annual Deductible for HDHP $1,400 $1,500
Maximum Annual Out of Pocket Expense Limit for HDHP $7,050 $7,500
Family Coverage Limits 2022 2023
Maximum Annual HSA Contribution $7,300 $7,750
Minimum Annual Deductible for HDHP $2,800 $3,000
Maximum Annual Out of Pocket Expense Limit for HDHP $14,100 $15,000

The HSA catch-up contribution limit for participants who are 55 or older is $1,000. Limits are subject to annual inflation-based adjustments. First National Bank of Steeleville is not responsible for the determination of your allowable HSA contributions or whether you have “qualified medical expenses”. Determining your eligibility to establish an HSA and your allowable contributions and distributions may require the guidance of a tax or legal professional.

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Access free, convenient banking services
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Ready to get a head started? Contact Us.