Statement or Passbook Savings Account
A variable rate non-term savings account for customers who may require ready access to their funds.  There is no monthly maintenance fee when the minimum daily balance of $500 is maintained.  A monthly statement is generated when the Statement Savings Account is combined with a First Northern Bank checking account.

Minor's Savings Account
A variable rate, non-term savings account for customers under 18 years of age.  The minor must be either a joint tenant on the account or the beneficiary of a trust.  There is no monthly maintenance fee or minimum balance requirement for this account.

Holiday Club Account
A variable interest rate account designed to provide customers with an easy way to set aside money for the holiday season and year-end purchases.  Monthly or bi-monthly automatic transfers are made to the Holiday Club Account from a designated First Northern Bank checking account.

Money Market Investment Account
A savings account that offers variable, tiered money market interest rates.  The Money Market Investment Account offers limited check-writing and pre-authorized withdrawal access to savings funds.  There is no monthly maintenance fee when the minimum daily balance of $2,500 is maintained.  Customers will receive monthly statements detailing activity and earnings for the account.

Certificates of Deposit (CD)
A term savings account with a tiered interest rate structure offering higher rates for longer terms and larger deposits.  Customers are offered a variety of open deposits and established terms.  First Northern Bank offers two types of FDIC insured CD Accounts:

Automatic Renewable Certificates are automatically renewed at the interest rate in effect at the time of maturity.

Fixed Term Certificates are accounts that earn interest through a specified maturity date and are closed there after.

Interest can be paid monthly, quarterly, semi-annually, annually or at maturity; it can be added to the CD, transferred to a checking or savings account , or paid via cashiers check.

Individual Retirement Accounts
Customers who are interested in setting aside money for a financially secure retirement will definitely be attracted to First Northern's no-fee IRA's.  You may select from four First Northern Bank IRA plans.

Health Savings Account (HSA)
An HSA is a federally approved, tax-exempt savings account designed for the purpose of paying medical expenses for individuals and families with a qualified high-deductible health care plan.

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