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Helping You Save More for Later

The First offers smart ways to build savings including two Personal Savings Accounts. Each is different, allowing you to choose the savings plan that works best for you and your goals.

Regular Savings Account
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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.
Effective: May 9, 2017
Savings Account APY5 Interest Rate Min Bal to Obtain APY Min to Open Comp Freq
Regular Savings6 0.02% 0.02% none $100 Quarterly

You can apply online for this type of account or visit any of our locations (except Avenue A).

Ultra Money Market
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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
Effective: May 9, 2017
Ultra Money
Market Account
APY5 Interest Rate Min Bal to Obtain APY Min to Open Comp Freq
$250,000 and up6 0.13% 0.13% $250,000 $100 Monthly
$150,000 - $249,9996 0.11% 0.11% $150,000 $100 Monthly
$100,000 - $149,9996 0.07% 0.07% $100,000 $100 Monthly
$50,000 - $99,9996 0.05% 0.05% $50,000 $100 Monthly
$10,000 - $49,9996 0.03% 0.03% $10,000 $100 Monthly
up to $10,0006 0.02% 0.02% none $100 Monthly

To open this type of account, visit any of our locations (except Avenue A).

* Interest-Bearing Accounts

  • Refer to current rate sheet for account’s current interest rate and 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 and credited monthly to Money Market Accounts and quarterly to Regular Savings Accounts. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e., checks).
Certificates of Deposit (CDs)
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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.

Effective: May 9, 2017
Specials
$25,000 and over1 under $25,000 Min Opening Deposit Compounding Frequency
Term APY2 Interest Rate APY2 Interest Rate
13 month 1.25% 1.25% 1.25% 1.25% $5,000 Semi-Annually
36 month 1.51% 1.50% 1.51% 1.50% $5,000 Semi-Annually
CDs
$25,000 and over1 under $25,000 Min Open Deposit Comp Freq
Term APY2 Interest Rate APY2 Interest Rate
3 thru 5 month 0.13% 0.13% 0.08% 0.08% $1,000 Quarterly
6 thru 11 month 0.18% 0.18% 0.08% 0.08% $1,000 Semi-Annually
12 thru 23 months 0.22% 0.22% 0.12% 0.12% $1,000 Semi-Annually
15 month Add-On3 0.22% 0.22% 0.22% 0.22% $500 Semi-Annually
2 year 0.37% 0.37% 0.27% 0.27% $1,000 Semi-Annually
3 year 0.63% 0.63% 0.53% 0.53% $1,000 Semi-Annually
4 year 0.93% 0.93% 0.83% 0.83% $1,000 Semi-Annually
5 year 1.18% 1.18% 1.08% 1.08% $1,000 Semi-Annually
IRA CDs
$25,000 and over1 under $25,000 Min Opening Deposit Compounding Frequency
Term APY2 Interest Rate APY2 Interest Rate
Floating Rate 0.03% 0.03% 0.03% 0.03% $5 Quarterly
1 year 0.22% 0.22% 0.12% 0.12% $1,000 Semi-Annually
15 month Add-On4 0.22% 0.22% 0.22% 0.22% $500 Semi-Annually
2 year 0.37% 0.37% 0.27% 0.27% $1,000 Semi-Annually
3 year 1.51% 1.50% 1.51% 1.50% $1,000 Semi-Annually

To open a CD, visit any of our locations (except Avenue A). 12-Month Term CD’s (only) can be opened online.

Annual Percentage Yields accurate as of May 9, 2017

Funds must remain on deposit until maturity to earn the advertised yield. A penalty will be imposed for early withdrawal.

1 Opening balance of $25,000 for Annual Percentage Yield and Interest Rate for $25,000 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.
4 There is no limit to the number of deposits made to the 15 Month Add-On IRA. Each deposit must be at least $0.01.
5 APY stands for Annual Percentage Yield. APY assumes funds will remain on deposit for a full year at the advertised rate.
6 At our discretion, we may change the interest rate and APY on this account at any time. Fees could reduce earnings for applicable accounts.

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© First National Bank of Hutchinson   |  One N. Main Street, Hutchinson, KS 67501  |  620.663.1521  |  Fax 620.694.2317

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