Regular Checking
Regular Checking
A basic checking account with unlimited check writing privileges.
REQUIREMENTS
- Consumer minimum balance to open $100
- Business minimum balance to open $500
BENEFITS
- Unlimited check writing privileges
- Truncated monthly statements
- MasterCard® check card
- Personalized checks (at an additional charge)
COST
- If your balance falls below $500, on any day of the month, your account will be subject to a minimum balance fee of $8 for that month.
Super Now Account
Super Now Account
An interest-bearing checking account with unlimited check writing privileges.
REQUIREMENTS
- Minimum balance to open $2,000
BENEFITS
- Interest is calculated by the average daily balance method
- Interest is compounded daily
- Interest is paid monthly to account
- The interest rate and annual percentage yield may change at any time
- No minimum balance fee if your average daily balance is $10,000 or more for the month
- Truncated monthly statements
- MasterCard Check card
- Personalized checks (at an additional charge)
- Available for personal accounts, sole-proprietorships, non-profit organizations and government entities
COST
- Minimum Average Daily Balance Tiers:
- Below $2,000 – $20.00
- $2,000 to less than $5,000 – $10.00
- $5,000 to less than $10,000 – $5.00
- If your close your account before interest is paid, you will not receive the accrued interest.
Money Market Account
Money Market Account
An interest bearing account with limited check writing privileges.
REQUIREMENTS
- Minimum balance to open $2,000
BENEFITS
- Interest is calculated by the average daily balance method
- Interest is compounded daily
- Interest is paid monthly to account
- The interest rate and annual percentage yield may change at any time
- No minimum balance fee if your average daily balance is $2,000 or more for the month
- Personalized checks (at an additional charge)
- Available for personal accounts and business accounts
COST
- If your average daily balance falls below $2,000 your account will be subject to a minimum balance fee of $20 for that month.
- If you close your account before interest is paid you will not receive the accrued interest.
MasterCard® is a registered trademark of MasterCard. All rights reserved.
Regular Savings
Regular Savings
An interest bearing savings account with no monthly fees.
REQUIREMENTS
- Consumer minimum balance to open $100
- Business minimum balance to open $500
BENEFITS
- Interest is calculated by the daily balance method
- Interest is compounded daily
- Interest is paid quarterly to account
- The interest rate and annual percentage yield may change monthly
- No monthly fees
COST
- If you close your account before interest is paid you will not receive the accrued interest.
Certificates of Deposit CDS
Lock in a great rate on a certificate of deposit with a term of 30 days to 60 months. Interest rates vary by term of certificate and are available by calling one of our new account representatives. This account may be subject to an early withdrawal penalty.
Individual Retirement Accounts IRAS
If you are planning for your retirement you can invest in an Individual Retirement Account. IRA’s offer you the potential for tax savings and tax deferred earnings. Terms are available for 18 months and interest is compounded daily. Interest rates are available by calling one of our new account representatives. This account may be subject to an early withdrawal penalty.
List of Account Fees | no |
---|---|
Consumer and Business Accounts, Fee per Month
If your account falls below $500.00 anytime during your statement cycle | $ 8.00 |
Cashier's Check - Up To $1,000.00 | $ 4.00 |
Cashier's Check- More Than $1,000 | $ 6.00 |
NSF Paid Check Charge/Overdraft Fee | $ 30.00 |
NSF Return Check Charge/Returned Item Fee | $ 30.00 |
Account Research, per Hour | $ 30.00 |
Stop Payment - All Items | $ 30.00 |
Statement Reprint - per Statement | $ 5.00 |
Online Bill Pay, per Month, per User | $ 3.60 |
Wire Transfers - Incoming | $ 0.00 |
Wire Transfers - Incoming International | $ 15.00 |
Wire Transfers - Outgoing | $ 25.00 |
Wire Transfer - Outgoing International | $ 50.00 |
For our Business Cash Customers who make Cash Withdrawals,
- $ 25,000 – $ 50,000 = $ 50 Fee
- $ 50,001 – $ 100,000 = $ 100 Fee
- $ 100,001 – $ 150,000 = $ 150 Fee
Please call First National Bank of Anderson and ask to speak to a loan officer.
- Consumer Loans
- Commercial Loans
- Agriculture Loans
- And Real Estate Loans
Home Financing
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Refinancing Calculator
Refinancing at a lower rate has the potential to save you thousands of dollars in the long run. However, for refinancing to be worth it, the savings in interest must be greater than the fees (i.e. points, closing costs) involved with the refinancing process. The refinancing calculator will take these fees into consideration and tell you how much you could save (or lose) should you decide to refinance at a lower rate.
Fixed Rate Mortgage Calculator
Given the information on your fixed rate mortgage, the fixed rate mortgage calculator will determine how much your mortgage payments will be.
Adjustable Rate Mortgage Payments Calculator
Calculates the payments and interest on your adjustable rate mortgage.
Balloon Mortgage Payment Calculator
A balloon mortgage consists of paying smaller amounts at first, and then paying the a large portion of the mortgage at one time. This will show you the amount needed for a mortgage with a balloon payment.
Mortgage Comparison Calculator
The mortgage comparison calculator gives you financial statistics on different types of loans.
Payment Plans
You can save a lot of money if you increase your monthly mortgage payment in order to pay it off faster. Find out how much you could save over the life of your loan.
Home Affordability
Computes the most expensive house you can buy.
Loan Consolidation
Factors in the costs and benefits of consolidating your debts to determine whats the financially best way to pay them off.
Calculator Information
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
Calculator Disclaimer
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Personal Financing
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Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
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Car Affordability
Calculates the most expensive car you can afford.
Saving for College
Calculates a monthly savings amount in order to reach your college savings goal.
Big Purchase
Computes how much money you will need to save each month in order to purchase something big.
Borrowing
Based on your financial details, the borrowing calculator determines how much money you can feasibly borrow and pay back.
Loan Rates
Given loan information, determines the interest rate on that loan.
Loan Payments
Determines the payment on a loan with a fixed rate.
Car Purchasing
Helps decide if an Auto Loan or Home Equity Loan is best for purchasing a car.
Debt Elimination
This calculator helps you evaluate various strategies for paying off your debt. When one debt is paid off, the payment amount normally applied to that debt is made available for use against another debt. This is referred to as the rollover strategy. Add an additional monthly payment for debt reduction to accelerate the payoff.
Calculator Information
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
Calculator Disclaimer
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Investment Financing
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Portfolio Yield
Enter each transaction from your investment portfolio and determine your percentage yields before and after fees and taxes.
Saving to be a Millionaire
Estimates a monthly deposit amount in order to save to a million dollars.
Investment Yield
Determines the return rate on an investment.
Future Investment
Computes what an amount invested today will be worth at some point in the future.
Time Savings
Compute the total amount you would be able to save with monthly deposits.
Needed Rate
Compute the rate of return you would need to reach your savings goal.
Initial Savings
Compute how much money you would need to start with to reach a savings goal.
Monthly Savings
Computes the monthly deposit amount needed to reach a savings goal.
Calculator Information
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
Calculator Disclaimer
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Retirement Financing
Select your financial calculator below to begin.
One or more of the fields is not filled out.
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The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Traditional vs. Roth
Which is better, a Traditional IRA or a Roth IRA? Traditional IRAs offer tax-deferred earnings and tax-deductible contributions. Roth IRAs offer tax-free earnings, but contributions are not deductible.
Traditional IRA
Use this calculator to compute the amount you can save in a tax-deferred Traditional IRA. Contributions to your Traditional IRA are usually tax deductible now, but you pay taxes when you withdraw the funds in retirement.
Roth IRA
Use this calculator to compute the amount you can save in a Roth IRA where you pay taxes on your income now, but withdraw the funds tax-free in retirement. Because this is a Roth IRA, your contribution limit is after taxes and your effective contribution limit is higher than a Traditional IRA. This calculator allows you to enter your annual deposit amount in "Before Tax" dollars so that the after tax deposit amount is automatically computed for you.
Retirement Savings
Use this calculator to find out how long you can make recurring withdrawals of a specified amount from your savings account.
Retirement Rate
Use this calculator to find out what rate of return you would need to make recurring withdrawals of a specified amount from an account.
Retirement Funding
Use this calculator to find out how much money you must have in your savings account to make recurring withdrawals of a specified amount.
Monthly Spending
Use this calculator to compute how much you will be able to regularly withdraw from your savings account before you run out.
Calculator Information
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
Calculator Disclaimer
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Lease Financing
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Affordable Lease
This calculator computes the amount you can afford to lease.
Lease Residual
This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.
Lease Payments
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.
Lease Rate
This calculator computes the lease rate based on a known payment amount, lease amount, residual amount, and lease term.
Equipment Affordablity
This calculator computes the amount you can afford to lease.
Equipment Residual
This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.
Equipment Payments
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments
Equipment Lease Rate
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.
Calculator Information
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
Calculator Disclaimer
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
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