Personal Savings

Saving money is an important part of a person's financial plan. Whether you're saving for gifts, vacations, college expenses, retirement, or the occasional rainy day experience, FNB has the right savings account for you. Of course, all deposits at FNB Oxford are FDIC insured and that means plenty of security for you and your family.

First Savings


Savings account for any walk of life.

With a minimum opening balance of $50, it's easy for anyone and everyone to save!

Certificate of Deposit


Save according to your terms.

Certificates of deposit (CD) are popular savings vehicles that offers a variety of terms to meet your needs. CD's may also be pledged as collateral for loans. Choose any term that meets your needs from 1 month, 3 month, 6 month, 1 year, 2 years - 3 years, 3 years - 5 years or 5 years.



Individual Retirement Account


Save according to your terms.

Traditional, Roth, and SEP IRA Certificates of Deposit are available for your longer term savings needs.


  • Many customers still qualify for an IRA tax deduction. The IRA accountholder also has tax-deferred earnings and a possible tax credit with our Traditional IRA.
  • A Roth IRA is a non-tax deductible retirement option that offers tax-free earnings after meeting certain IRS requirements.
  • For a more flexible IRA, our variable rate IRA allows additional deposits at any time during an 18 month term.
  • A Simplified Employee Pension (SEP) IRA is also available to small business owners who have retirement savings options for themselves as well as their employees.

Christmas Savings


Start saving for your holiday expenses.

Open a Christmas Club account with as little as $25 and set up automatic transfers to increase your savings. Be ready for the additional holiday expenses!