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Personal Savings

Let us help you prepare for a strong future!

Mighty Oak Saving

Reward yourself for higher balances with a strong rate of return and keep the flexibility of making deposits or withdrawals at anytime. The more money you save, the more interest your account generates. This account is tier-based, meaning the greater the balance the higher the interest rate and annual percentage yield (APY).

Tiered Interest Rates
To obtain the Annual Percentage Yield disclosed, you must maintain a minimum balance of $100.00 in the account each day. Simple interest, calculated on collected balance, and credited monthly1
Make up to 9 withdrawals per quarter at no charge. Withdrawals in excess of 9 per quarter will be charged $7.50 per item.
Minimum to Open: $100.00
1The interest rate and annual percentage yield (APY) for each tier may change.

Christmas Club

Make every Christmas a little easier on your wallet with the cash you’ve saved and receive a check for your shopping.

To obtain the Annual Percentage Yield disclosed, you must maintain a minimum balance of $100.00 in the account each day.
Make deposits at any time
Online Banking Access
Fee assessed for each withdrawal and when account is closed prior to maturity1
Interest Bearing. Interest is compounded daily, calculated on collected balance, and credited quarterly2
Minimum to Open: $10.00
1A $5.00 fee will be charged for each withdrawal made before October 15th. Forfeiture of accrued interest will be charged for early closure.
2The interest rate and annual percentage yield (APY) may change at any time.

Little Acorn Saving

Teach your children the importance of saving while making it fun and easy. It’s never too early to start building good financial habits! Designed for children under the age of 18.

First Century Bank will deposit $5.00 into the account on its one-year anniversary date, and $10.00 at the end of five years if a $25.00 minimum balance has been maintained throughout.

To obtain the Annual Percentage Yield disclosed, you must maintain a minimum balance of $25.00 in the account each day.
Interest Bearing. Interest is compounded daily, calculated on collected balance and credited every 90 days.1
Make up to 9 withdrawals per quarter at no charge.2
Minimum to Open: $25.00
1The interest rate and annual percentage yield (APY) may change at any time. Forfeiture of accrued interest will be charged for early closure.
2A fee of $7.50 will be charged for each withdrawal in excess of 9 per quarter