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Checking and Savings Accounts
Personal Loans
Home Loans

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Ready to switch to The First? We are here to help!

Switching your accounts to The First is easy even if you have direct deposits or automatic payments. The First is prepared to help you make it happen in four easy steps. Step 1 is to open an account at The First. You may open your account online or visit one of our locations! Access our Switch Kit here!

Checking Accounts

Switching your accounts to The First is easy even if you have direct deposits or automatic payments. The First is prepared to help you make it happen in four easy steps. All you’ll need can be found here.

Veterans Checking
First Free Checking
First Classic Checking

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Veterans Checking

As a special thank you for your service, with the Veterans Checking account you will receive a $100.00 cash bonus!**

Exclusive Advantages

Interest Bearing Account*
Electronic Banking
Safe Deposit Box***
Wealth Management Advice
Checks
Personalized Debit Card with American Flag Design
Debit Card Alerts
EverydayRewards
Personal Loan Discount*****
Overdraft Privilege******

First Free Checking

No minimum monthly balance requirement
No monthly service fee
Unlimited checks/debits (fee for check orders)
Minimum opening deposit $25 (no minimum thereafter)
Free Visa® Debit Card
- Unlimited free Debit Card usage
Free ATM card
Free funds transfer between accounts
Free Direct Deposit
Free Online Banking
- Free account-to-account transfers
- Free Mobile Banking
- Free online check imaging
- Free eStatements
Free Bill Pay (Including Mobile Version)
- Free account-to-account transfers
- Free person-to-person transfers
Overdraft Funds Transfer available

First Classic Checking

Earns interest, compounded monthly, paid monthly – see our rate sheet for current interest rates*
No monthly service charge, as long as minimum monthly balance of $100, otherwise fee of $5 per month
Unlimited checks/debits
Free Checks
Minimum opening deposit of $100 (no minimum thereafter)
Check images in monthly statement
Free Visa® Debit Card
- Unlimited free Debit Card usage
Free ATM card
- No ATM fees
Free funds transfer between accounts
Free Direct Deposit
Free Online Banking
- Free account-to-account transfers
- Free Mobile Banking
- Free online check imaging
- Free eStatements
Free Bill Pay (Including Mobile Version)
- Free account-to-account transfers
- Free person-to-person transfers
Overdraft protection available

*Interest-Bearing Accounts

Refer to current rate sheet for account’s current interest rate and annual percentage yield. No average collected daily balance is required to obtain the disclosed annual percentage yield. At our discretion, we may change the interest rate and annual percentage yield on this account at any time.

Interest is calculated with the daily balance method, and applies a daily periodic rate to the principal (collected balance) in the account each day.

Interest is compounded monthly and credited monthly to the account. If customer personally closes account before interest is credited, accrued interest will be paid. Interest begins accruing no later than the business day we receive credit for the deposit of non-cash items, such as checks.

**Veterans Account

$100.00 bonus offered to new accounts and conversion of existing checking accounts to a Veterans Checking account. To be eligible customer must present military ID or other equivalent documentation. Limit one bonus per veteran. Bonus will be applied as an Interest Credit to the account.

*** One-year free Safe Deposit Box, size 3”x5”, subject to availability. If a larger box is chosen, a credit of the
standard annual fee for a 3”x5” box will apply. Following the first year, the standard annual fee for the box size will apply. Boxes are available at our Andale, Goddard, Haven and in Hutchinson: 25th and Main, 17th Ave, and Sherman and Main locations.

**** No ATM fees at First National Bank of Hutchinson ATMs. Fees may apply at other ATMs.

***** You are eligible for a .25% Annual Percentage Rate discount on a personal loan when you enroll in auto-debit payments. Discount is subject to credit approval and excludes overdraft banking privilege, mortgage loans, equity lines of credit and all advertised loan specials.

****** Overdraft Privilege is an additional option and is not automatic with every Veterans Checking account. Certain criteria apply to be eligible for Overdraft Privilege. Please contact The First if you are interested in adding this option to your account.

standard annual fee for a 3”x5” box will apply. Following the first year, the standard annual fee for the box size will apply. Boxes are available at our Andale, Goddard, Haven and in Hutchinson: 25th and Main, 17th Ave, and Sherman and Main locations.

**** No ATM fees at First National Bank of Hutchinson ATMs. Fees may apply at other ATMs.

Regular Savings

A Regular Savings Account is a great place to put money away and experience growth over time. These accounts are often used as an educational tool for children and youth to assist in teaching how to save and budget money.

Variable Interest Rate*
Minimum monthly balance of $100 or customers under the age of 18 will waive monthly service fee of $3
Minimum opening deposit of $100
$1 fee per withdrawal or debit after the first three per month
Unlimited transactions in person, or by mail, messenger or ATM
Six pre-authorized or telephone transfers per month. Check writing not permitted.

Savings Accounts and CDs

Regular Savings
Ultra Money Market
Certificates of Deposit (CDs)

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Ultra Money Market

Like money market mutual funds, the Ultra Money Market Account earns a higher rate of return. But unlike a mutual fund, there are no up-front fees to pay, and your money isn’t locked away out of reach.

Tiered Interest Rate*
Minimum monthly balance of $500 will waive monthly service fee of $5
Minimum opening deposit of $100
No monthly per-transaction fees
Unlimited transactions in person, or by mail, messenger or ATM
Six pre-authorized withdrawals, checks to third parties, or telephone transfers per month

Certificates of Deposit (CDs)

The First offers a variety of options for Certificates of Deposit (CDs). Interest rates vary depending on the length of maturity. The rate is guaranteed until the maturity of the investment or until renewal. Refer to rate sheet for current information.

Safe Deposit Boxes

To offer protection for your valuables, The First provides safe deposit boxes for rent at six locations*. A variety of box sizes in a range of 2x5x20 to 10x25x20 are available. Rental fees vary depending on the size of the box. Contact us at 620.663.1521 for information and box size availability.

Safe Depsit Box Locations:
Andale
Goddard
Haven
Hutchinson

1 North Main
1525 E. 17th Ave.
2501 N. Main St.

*Not all box sizes are available at all locations. A deposit account at The First is required in order to rent a box. Fees are automatically deducted from your account.

The contents of safe deposit boxes are not deposits and are not insured by The First or by the FDIC. Safe deposit customers may obtain insurance coverage on box contents at their own expense.

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EverydayRewards

EverydayRewards™ is a program that rewards you with points every time you use your First National Bank Debit Card to make a purchase.

It’s automatic.
There’s no cost to participate.
You earn 1 point for every $2 spent.
We keep track of your points.
Points are good for five years from the end of the month they are earned.
Points cannot be transferred or combined with points in other programs.
Rewards for gift cards, merchandise, travel and more are available for redemption inside the EverydayRewards™ website.
A complete listing of EverydayRewards™ Program Rules is available inside the EverydayRewards™ website.
Log into your EverydayRewards™ account to access your points.
Talk to an employee of The First during our regular hours at 620.663.1521.
Talk to a live EverydayRewards™ Service Specialist, 24/7 at 888.670.7850.

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Electronic Banking Services

To get started with Electronic Banking, click here to sign up.

To access how-to videos and electronic banking digital guides, click here to visit our Electronic Learning Banking Center.

Apple and Android Apps for Smartphones and Tablets including an Apple Watch App.
Transaction history
Make customer-to-customer electronic payments (to individuals with an email address)
Make account-to-account transfers (both to and from your accounts at The First and to other financial institutions)
Check images
Text alerts for transactions and balances
Receive and send secure messages to bank personnel
SnapshotDeposit
Billpay
FirstPay
Go Paperless with your statements
- Log into Electronic Banking, click on “Settings” to get started
- To access your eStatements and eNotices, log into Electronic Banking, click on “Services” and View eDocuments
Download transactions via the Quicken® and QuickBooks® Web Connect file options .qfx and .qbo inside Electronic Banking in the account transaction section.
Quicken® and QuickBooks® Express Web Connect allows users to input their credentials into the software and have transactions imported automatically.
- Look for: First National Bk of Hutchinson in the Financial Institution dropdown tool.
- Whether or not to use an aggregation service is a personal decision. Carefully review the risks of the service provider. Since your confidential user ID, password and account information will be stored with the service provider, it is essential that you have confidence in the service provider's level of security, privacy policy and user agreement.

Electronic BillPay & eBills

Pay your bills from more than one account at The First
Choose either electronic or check payments of your bills
Rush fees available (fee applies for rushed payments)
Send customized gift checks with a personalized note (fee applies)
Send a customized donation check with a personalized note (fee applies)
Mobile BillPay available

SnapShot Deposit

Eligibility Requirements Include:

Account open for at least 60 days.
No more than three overdrafts in a month or five overdrafts in the past 12 months.
Ready to get started? Visit any branch or contact us at 800.310.1521!

SnapShot Deposit can be used with:

All personal checking accounts, Regular Savings and Ultra Money Market accounts. Health Savings Accounts and loans are not eligible for Snapshot Deposit.

There are three check types not acceptable for deposit via Snapshot Deposit: Money Orders, Two party checks, Image Replacement Documents
Limits on the number of checks:
Only one check can be submitted per transaction. Up to five checks can be submitted per day
Limits on the dollar amounts:
Up to a total of $500.00 can be submitted daily. Up to a total of $2,500.00 can be submitted monthly
With prior arrangement, limits may be raised permanently or for a one-time situation. Please contact customer service for more information, 800.310.1521
Without proper endorsement, a check may not be accepted. The following is required on the check back:
Payee Signature (should be the same as the payee line and be an account holder). Write the words: For Deposit Only. Account Number
Deposits made prior to 4:30 p.m. (CT) on regular business days, should be posted and credited to your account the same day.
Deposits made after 4:30 p.m. (CT) on a regular business day, should be posted and credited the next business day.
Deposits made on a holiday, weekend, or non-regular business day, should be posted and credited the next business day.
The First highly recommends that each check deposited via SnapShot Deposit be held for at least 7 business days.
Then The First recommends you shred or otherwise destroy the check.

Ready to get started? Visit any branch or contact us at 800.310.1521!

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Apple and Android Apps

Download Free Apps for iPhones/iPads and Android Phones and Tablets!
If you're an Apple or Android user, you can download your free App from the Apple Store or Google Market store.

Apple Watch Functionality

Apple Watch users can pair their watch within the Apple mobile banking app. After pairing, users have access to:

View account balances
- View recent transactions
- Force press the watch face to update balances and transactions
  
  Get started by logging into Electronic Banking with the First National Bank of Hutchinson Apple App. Navigate to “Settings” and choose “Apple Watch”. Slide the toggle to “on” to enroll your Apple Watch.

SnapShot Deposit

Snapshot deposit conveniently and securely deposit checks within our app
Eligibility Requirements Include:

Account open for at least 60 days.
No more than three overdrafts in a month or five overdrafts in the past 12 months.

Ready to get started? Visit any location or contact us at 620.663.1521!

SnapShot Deposit can be used with:

All personal checking accounts, Regular Savings and Ultra Money Market accounts. Health Savings Accounts and loans are not eligible for Snapshot Deposit.
There are three check types not acceptable for deposit via Snapshot Deposit: Money Orders, Two party checks, Image Replacement Documents
Limits on the number of checks:
Only one check can be submitted per transaction. Up to five checks can be submitted per day
Limits on the dollar amounts:
- Up to a total of $500.00 can be submitted daily. Up to a total of $2,500.00 can be submitted monthly.
- With prior arrangement, limits may be raised permanently or for a one-time situation. Please contact customer service for more information, 620.663.1521.
Proper endorsement is required on the back of the check as follows:
- Payee signature (should be the same as the payee line and be an account holder). Write the words: For mobile deposit only and the account number.
Without proper endorsement, a check may not be accepted.
Deposits made prior to 4:30 p.m. (CT) on regular business days, should be posted and credited to your account the same day.
Deposits made after 4:30 p.m. (CT) on a regular business day, should be posted and credited the next business day.
Deposits made on a holiday, weekend, or non-regular business day, should be posted and credited the next business day.
The First highly recommends that each check deposited via SnapShot Deposit be held for at least 7 business days.
Then The First recommends you shred or otherwise destroy the check.

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Change It Up
This New Year Change It Up

Change It Up is a feature that rounds up your debit card purchase amounts to the next whole dollar amount and deposits the change into a separate account of your choice at The First!

It is easy to enroll inside Electronic Banking by going to the Services menu and completing the "Change It Up Enrollment" form. You may also call us at 620.663.1521 or stop by any location and ask to enroll in our Change It Up program!

Need an additional account at The First to start saving? Log into Electronic Banking, go to the Services menu and click on “Open an Account”. Or you can open an account at any of our full service locations. Click here to visit our locations page.

More information about Change It Up:

Once you have enrolled, it may take 1 to 2 business days for the service to be enabled.
Debit card transactions conducted from 2pm to 2pm the next business day will have debit/credit amount combined.
Look for “Change It Up Debit” and “Change It Up Credit” in your transactions.
Debit Cards for Money Market and Health Savings Accounts are not eligible to participate in the program.
The deposit account you choose to have Change It Up deposited to must be an account at The First you are a signer on.

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FirstPay
FirstPay Quick Simple Secure Person to Person Payments

FirstPay is a Person-to-person payment feature which makes sending and receiving money as simple as texting and emailing. Whether it’s paying rent, paying daycare, paying allowance, splitting the check, or sending a birthday gift, FirstPay will allow you to quickly transfer money from your existing debit card securely and privately within The First’s Electronic Banking.

FirstPay is located inside Electronic Banking in the Transactions menu!

Do I need to download a separate app to use FirstPay?

If you are a user of Electronic Banking at The First, you already have access to FirstPay within the app or on a desktop computer.

Does FirstPay cost money?

No, it’s free!

Is FirstPay secure?

FirstPay is only accessible after you have successfully logged into your Electronic Banking, either on desktop or the mobile app. The feature is housed securely inside your Electronic Banking.

How does FirstPay Work?

Once you are logged into Electronic Banking, choose FirstPay in the transaction menu.
The first time you will be asked to accept Terms and Conditions and set up your active debit card from The First.
After the initial setup, your information will be stored securely within Electronic Banking.
Enter/select the recipient’s mobile number or email and the amount of the payment. Enter a memo in the space provided, i.e. “Happy Birthday.”
Confirm the transaction details. Enter your debit card PIN using the secure scrambled keypad.

Who can I send money to with FirstPay?

Send money to anyone with an open and active debit card or account at any United States Financial Institution.

Use FirstPay to

Split the bill, pay rent, daycare, babysitter, family, friends, etc. If you are paying a business, you may alternatively use Bill Pay.

What information is needed to send money to someone?

All you need is the recipient’s email address or mobile phone number, depending on if you choose to send via a text message or email. You have the option of using your contact list to populate the fields if you are using the mobile app. The recipient will choose if they would like the funds deposited directly into their bank account by debit card or enter their account number and routing number at their financial institution.

Does the recipient have to be a customer of First National Bank of Hutchinson?

No, you may send money to anyone in the United States that has an open and active debit card with a United States financial institution.

How does the recipient accept my payment?

Recipient receives a text or email from FirstPay.
No special app for the recipient to download!
The transaction is all conducted within the link in the text or email.

Best Practices

Best practices are for you to inform the recipient to expect a text message or email from FirstPay which will have your name and an instruction link to receive the money.

Upon clicking the link, the recipient will be asked to enter his/her name and debit card information for immediate transfer of funds and accept terms and conditions.
As an alternative, the recipient may enter bank account information to receive the funds in 1 – 2 business days.

What if the recipient never receives the text message notification of my payment?

Verify the information used to set up the contact is correct.
If it is, one of the following may be possible: The recipient may be using a mobile carrier that automatically blocks unfamiliar text messages OR the recipient may have blocked unfamiliar text messages.

If this does not resolve the issue, you should ask the recipient to contact their carrier to remedy the issue.

What if the recipient never accepts the payment?

The payment will be returned automatically to the sender after 10 days.

Can I cancel a payment?

You are able to cancel a FirstPay transaction as long as your recipient has not yet accepted the money. This is will require contacting us at 620.663.1521 during banking hours.

How long will it take for the funds to be deposited into the recipient’s account?

This will depend on the delivery method of the payment and at what time it happened: 1-3 days after the recipient claims the payment.

Can I send money internationally?

No, you cannot.

About FirstPay

Available to Electronic Banking customers with an open and active debit card from The First.

There is no cost to use FirstPay
Per transaction limit: $1000
Monthly FirstPay limit: $5,000
You may send multiple FirstPay payments each day
May be used to send money to other First National Bank of Hutchinson customers
FirstPay works only for recipients who bank with United States based financial institutions
Recipients must have a debit card that is programmed to accept instant person to person payments at their receiving financial institution to accept the payment via a debit card
Recipients may alternatively enter their banking information to accept the money within 1 - 3 business days

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First Contact Voice Banking

Access Your Accounts by Phone, 24/7

620.694.2336 or 800.757.2432 or 620.465.2355 (Haven)

With our Voice Banking Service, First Contact, you can access information about and make transfers on your account(s) at The First 24/7 including:

English and Spanish Versions Available
Account Balances
Recent Transactions
Interest Earned
Specific Check Status
Transfer funds to and from checking, savings and loan account(s)

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Personalized Debit Card Options

How To Get Your Card

Visit any location or call 620.663.1521 to get your personalized debit card!

Hutch Card

Show your Hutchinson community spirit with a Hutch Flag Card design! Cost of the card is $5.00 with $1.00 going back to the Fund for Hutchinson held at Hutchinson Community Foundation.

American Flag Debit Card Design

Cost of the card is $5.00 with $1.00 going back to a local Veteran organization.
Fee is waived when opening a Veterans Account.

High School Debit Card Designs

Show your community spirit everywhere you shop!

Andale Indians
Buhler Crusaders
Central Christian Cougars
Garden Plain Owls
Goddard Eisenhower Tigers
Goddard Lions
Haven Wildcats
Hutchinson Salthawks
Nickerson Panthers
Trinity Celtics

Cost of the cards are $5.00 with $1.00 going back to the designated district. Click here to view all the designs.

The First offers improved security with the option of adding Debit Card Alerts & Notifications. Enroll for free alerts in Electronic Banking in the Services Menu or contact us at 620.663.1521.

It is important The First records your travel dates to reduce the chances of your Debit Card being blocked. Contact us at 620.663.1521 or complete the Debit Card Travel Alert form inside Electronic Banking, located in the Services Menu.

Every Debit Card issued by The First is monitored for fraud protection. To learn more about how The First contacts customers if fraud is suspected, click here.

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Wallet Pay
Now Offering Wallet Pay

Add your First National Bank of Hutchinson debit card to your mobile digital wallet for contactless payment transactions in stores, online and within apps.

Device specific numbers and unique transactions codes assure your card and purchases are secure.

To learn more about each solution, click on the wallet pay option of your choice and get started today!

Apple Pay™ | Samsung Pay | Google Pay™

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Credit Cards

Now your everyday purchase earn more!
Your life. Your choice.
Earn more rewards for all your everyday purchases.¹

Apply Online Today for a Simply Rewards™ Visa® Credit Card.

3x the points

Grocery Stores
Discount Stores
Gas Stations
Restaurants and Fast Food

1x the points

All other purchase

We make it easy to redeem -
Access your account to see how many points you’ve earned through online banking or your monthly statement at www.cardcenterdirect.com.

Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.¹

Additional Visa Benefits -
Fraud Protection
Visa’s Zero Liability Policy means you won’t be held responsible for any unauthorized charges made with your card or account information.²

Others
Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.³

Online Credit Card Control -
View transactions, pay bills and track expenses. Includes eStatements with 18 months of history.

Learn more about our competitive rates and fees.

Cardholder Self-Service Contacts

Online Account Access – www.cardcenterdirect.com
Rewards Points Redemption – www.cardcenterdirect.com
Customer Service – 1.800.821.5184

Cards issued by UMB Bank, n.a.

¹Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.

²Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

³See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.

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Personal Lending

At The First we make your loan application process quick and easy. We have experienced loan officers available at all of our locations (except Avenue A in Hutchinson) and you can also apply online for many types of loans.

We offer a variety of personal loan options and will help you choose the best loan product for your situation. Our local loan approval process means you deal with your local banker — not someone in another state.

For information on our rates, visit our Rates page.

Home Equity Line of Credit
A home equity line of credit is perfect for expenses with multiple payouts from remodels to college tuition. Borrow as you need, pay back as you go and you’ll avoid paying interest on the money you need until you actually use it. First National Bank of Hutchinson is currently offering a home equity line of credit starting at 5.00 % APR1.

Home Equity Loans
When it’s time to reinvest in your greatest investment, turn to First National Bank of Hutchinson. We’re now offering home equity loans at 4.302% APR2 with approved credit. Whether you want to tackle a home improvement project, finance a car or pay off a credit card, First National Bank of Hutchinson home equity loans are an efficient way to get things done.

Applications for a Home Equity Line of Credit or Home Equity Loan can be made at any of our locations (except Avenue A). To expedite the process, link here, to complete the application before visiting. At this time, we do not have a fully automated, online application process for our Home Equity Loans.

1 Subject to credit approval and mortgage position, up to 80% Loan to Value (LTV). Rates are subject to change. The Prime Rate is quoted in The Wall Street Journal as of the 15th day of each month. The APR may change monthly ranging from Prime to Prime plus 0.50%, depending on credit, but will not be lower than 3.75% APR or exceed 18% APR. There is a $100 documentation fee and appraisal fee due at origination. All other closing costs are waived. The annual maintenance fee is $50. Insurance must be carried on property securing the loan. Consult your tax advisor regarding tax deductibility.

2 Subject to credit approval and mortgage position, up to 80% LTV. The Annual Percentage Rate is subject to change and will vary depending on loan term and fees. Disclosed APR assumes a $20,000 loan with a $100 documentation fee. For example, a $20,000 loan with a contract interest rate of 4.30% would require 60 monthly payments of $371.06, resulting in an APR of 4.302%. Insurance must be carried on property securing the loan. Consult your tax advisor regarding tax deductibility.

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Click Here to Contact Us

Watch This Video to Learn More!

Cover image for accounts and loans informational video

Home Loans - Stay At Home

Purchasing, refinancing or building your primary residence? Our loans are tailored to fit your individual preferences and needs.

Fixed Rate
Construction
Bridge
Other Options

Want to do your homework before applying? Use our Calculators to estimate payments.

The First's Real Estate Team:

Pictured Above:
Jessica Nelson (NMLS ID 658456)
Michael Holland (NMLS ID 658451)
Cindy Sherraden (NMLS ID 658448)
Debbie Barnes (NMLS ID 589672).
The First's NMLS ID is 629547.

With 8 locations to serve you and our experienced, knowledgeable loan team, we will come to your location of choosing to help you throughout the process — and beyond. Our real estate professionals can be reached at 620.694.2310 in Reno County or 316.444.2550 in Sedgwick County.

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Click Here to Contact Us

Watch The Video to Learn More!

Cover image for home mortgage informational video

Investing

Individual Retirement Accounts & Certificates of Deposit

If you are interested in additional ways to save money other than a basic savings account, CDs and IRAs may be good options. If you are looking for options to convert an existing 401(k), click view more for details.

IRAs

An IRA is a flexible retirement planning investment instrument with various maturities. Individual Retirement Accounts allow you to save for long-term goals, such as money for retirement or for a child’s education. Contributions to IRAs are typically not taxed until the funds are removed. Some IRAs are tax-deductible. The First offers several different types of IRAs. We encourage you to call us. We can help you choose an option that best fits your financial goals.

The First offers the following types of IRAs:

Traditional IRA
Roth IRA
Coverdell Education Savings Account
Simplified Employee Pension IRAs

Interest rates vary depending on the length of maturity. The rate is guaranteed until the maturity of the investment or until renewal. (placeholder rate IRA rate table)

Certificates of Deposit (CDs)

A Certificate of Deposit is a flexible investment instrument with various maturities. Interest rates vary depending on the length of maturity. The rate is guaranteed until the maturity of the investment or until renewal. (placeholder CD rate holder)

1 Opening balance of $5,000 for Annual Percentage Yield and Interest Rate for $5,000 and over
2 APY stands for Annual Percentage Yield. APY assumes funds will remain on deposit for a full year at the advertised rate.
3 There is no limit to the number of deposits made to the 15 Month Add-On CD. Each deposit must be at least $50.00.

Funds must remain on deposit until maturity to earn the advertised yield. Substantial interest penalty is required for early withdrawal as follows: for maturities of 7 days to less than 30 days, the interest penalty is 7 days' interest; for maturities of 30 days to less than 90 days, the interest penalty is 30 days' interest; for maturities of 90 days to less than 1 year, the interest penalty is 90 days' interest; and for maturities from 1 year through 5 years, the interest penalty is 180 days' interest.

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