Individual Retirement Accounts/Health Savings Plans
Traditional Individual Retirement Accounts, Roth, and HSAs are available.  We offer rollover IRAs for persons having retirement accounts with a former employer's retirement plan into a personal IRA account without tax consequences.  Also available are Self-Employed Retirement Plans, which provide a tax deduction for individuals owning their own business.  If you are interested, please contact our Trust Department.

TRADITIONAL INDIVIDUAL RETIREMENT ACCOUNTS

An Individual Retirement Account (IRA) is a retirement fund established by you - as an employed individual - for your benefit.  In most instances, you may make tax-deductible annual contributions to the IRA, which we hold as trustee.  With a First National Bank Trust Department IRA, you are able to invest in a wide array of investment options to maximize return.

ROTH INDIVIDUAL RETIREMENT ACCOUNTS

A Roth IRA is a retirement fund established by you - as an employed individual - for your benefit.  You make after tax contributions to the IRA and if certain conditions are met, you can take the earnings and contributions out tax free at retirement age.

HEALTH SAVINGS ACCOUNTS

A Health Savings Account is a tax advantage medical savings account available to taxpayers who are enrolled in a High Deductible health plan.  The contributions made are not subject to federal tax at the time of deposit.