Skip to main content
Locate Branch or ATM cart
Locate Branch or ATM cart

IRA Savings

Start preparing for your future. Save for your retirement with an IRA Savings Account at FNB.

To prepare for the future, you want to see your savings grow, and you want your interest rate to grow with it. Meet FNB's IRA Savings Account. Get the benefits of a tiered rate structure, as well as tax-deferred deposits so you can save more now.

To Schedule an Appointment:

    • Dollar Sign Crossed Out in Circle

      No minimum balance to open

    • Taxes

      Tax-deferred savings1

    • Graph with Arrow pointing upwards

      Competitive tiered interest rate

    • Umbrella

      Retirement account

  • An IRA certificate of deposit from FNB is a safe, conservative way to save for retirement:

    With FDIC insurance and an interest rate that grows with your balance, an FNB IRA Savings Account can be an attractive and safe way to save for retirement.

    Key Account Details:

    • With a tiered interest rate, earn more interest with higher balances.
    • Contributions to your IRA savings account are tax-deferred, meaning you don't pay taxes on these funds until you make a withdrawal.1
    • Interest is compounded monthly.
    • No monthly service charge 
    • No minimum opening balance to open at an FNB branch

    Important Considerations1

    • IRS regulations impose a 10% early withdrawal premature penalty for withdrawals made when under 59 1/2 year of age.
    • If you are under the age of 50, you may contribute up to $5,500 for the current year. If you are over the age of 50, or are turning 50 during the calendar year, you can add a catch-up amount of $1,000 for a total of $6,500. Any previous year contributions can still be made up to the end of the business day on April 15th.
    • You may receive normal distributions as early as age 59 1/2, but must begin distributions by age 72.

    Convenient Online Access:

    • Free paper and online statements (quarterly or monthly based upon activity)
    • Fast and free Online Banking, Mobile Banking and Telephone Banking2
    Interest Rates Please enter a Zip Code to view rates in your area.

  • Your Initial Deposit

    There is no minimum opening balance required to open this account.

    Required Identification

    • A non-expired ID (driver’s license, state-issued ID, Military ID, passport, or Permanent Resident Card and visa)

With any account, you also get the latest in digital technology:

Compare all of our accounts. This comparison chart makes it easy to compare all of our savings options.

Browse all

Compare all of our accounts. This comparison chart makes it easy to compare all of our savings options.

Compare all

Still not sure? Answer a few quick questions to help you find the right account.

Help me decide

Still not sure? Answer a few quick questions to help you find the right account.

Help me decide

Products With You In Mind

FNB offers a full breadth of products and services for your needs.

  1. Article

    Lay a Firm Foundation

    The costs of tuition, room and board at public and private colleges in the U.S. have risen at an average annual rate greater than ...

  2. Article

    Your Retirement Planning Journey, Part 1: First Steps

    You've finished school or completed an apprenticeship, and now you're starting your first “adult job”. Or maybe your p...
Notices & Disclosures
1 - FNB does not provide tax advise. Consult your tax advisor for more information on how these IRS regulations impact you.
2 - Online Banking, Bill Pay, Mobile Banking and Telephone Banking are free to customers with an eligible account; however, there may be a fee for certain optional services. Mobile data and carrier fees may apply.

0 items in your cart

Cart Proceed to Checkout

Product video
Apply Now. Check out with the eStore® Common app.

Click to Learn More