Personal Savings Accounts in Wisconsin

Unlock the potential of your savings with an FNC Bank savings account, offering competitive interest rates to grow your money faster. Experience peace of mind and financial growth, all while keeping your funds secure and accessible when you need them.

Simple Savings

Make savings easy with a simple savings account.

Earns interest¹
$50 minimum balance
No monthly service charge if monthly minimum balance is maintained each day during the month
$1 monthly service charge if the balance drops below the minimum
Free statements

Savvy Savings

Level up your savings with a high-interest savings account.

Earns higher interest¹
$2,500 minimum balance
No monthly service charge if monthly minimum balance is maintained each day during the month
$5 monthly service charge if the balance drops below the minimum
Free statements

Minor Savings

Introduce youth to their savings potential and watch them grow.

Earn 3.00% APY on first $1,000²
For customers ages 0-17⁴
Little Nesters Club incentives offered to ages 0-12
No minimum balance
No monthly service charge
Free statements

Money Market Savings For Consumers

Maximize savings with a tiered interest money market account.

Earns interest on tiered balances¹. The more you save, the more you earn!
Access to your funds at any time
$1,000 minimum balance
No monthly service charge if monthly minimum balance is maintained each day during the month
$7 monthly service charge if the balance drops below the minimum
Six free withdrawals each month³
Check writing capability
Free statements

Performance Money Market Savings For Consumers

Take your interest to the max with a performance money market account.

Earns higher interest on tiered balances¹. The more you save, the more you earn!
Access to your funds at any time
$25,000 minimum balance
No monthly service charge if monthly minimum balance is maintained each day during the month
$10 monthly service charge if the balance drops below the minimum
Six free withdrawals each month³
Check writing capability
Free statements

Personal Savings Account Features

All personal savings accounts with FNC Bank offer the following advantages:

Safe way to save money without investment market risks
Access to your full balance at any time – no minimum investment period/term
Free online banking and mobile banking
Convenient mobile check deposit
Free statements
Real-time transaction and account balance alerts
Reliability. We have been a strong, locally-owned community bank for over 100 years, with third-generation family ownership
Efficient and personalized service. Our decision-makers are in-house, enabling fast turnaround times and the personal attention to your banking needs that our customers have come to appreciate

Interested in a Health Savings Account? An HSA is a tax-advantaged savings account that allows individuals or employees with a high-deductible health plan to save money for medical expenses. Learn more about our Health Savings Accounts.

Disclaimer

¹Contact a banker for today’s rates or review our current rate sheet. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal balance in the account each day.

²Account balances up to $1,000 earn an APY of 3.00% with an interest rate of 2.96%. Balances over $1,000 earn an APY of 0.05%. Effective as of 06/03/24. APY = Annual Percentage Yield. Interest rates are subject to change after the account is opened. Fees may reduce earnings.

³A fee of $6 per withdrawal if exceeds six withdrawals in a month. Withdrawals include: Check, Preauthorized or Automatic (ACH), online, sweep, or telephone transfers, debit card or similar order including POS (point of sale) or ATM (Automated Teller Machine).

⁴When the accountholder turns age 18 the account will convert to a Simple Savings account.

What our customers are saying

Love the Hometown feel of FNC Bank. My grandkids are now the 5th generation to bank there. I like the personal attention and caring employees. (Banker) goes above and beyond and all the tellers are super friendly.

Jean

Everyone has ALWAYS been extremely helpful and never without a smile - customer service is 10/10! There’s a reason I didn’t move my accounts after I married almost 11 years ago. And a reason I’ve been a customer since I was a teenager! Thank you for all you do for your customers each and every day!

Erin

The staff are friendly and efficient. They go above and beyond with their customer service. It is a great to have a locally owned bank where customers really matter are not just a number.

JoAnn

Really great bank, down to earth and personal. Does not have the corporate feeling vibe, long holds on the phone etc. High quality experience for sure.

Shawn

Most accurate accounting procedures and friendliest bank representatives I've ever had in any banking experiences in the past.

Kathleen

Wonderful bank, good relationship and a real hometown feel, just minutes from the metro but personal, we do business and personal banking! 5 star for sure!

Stacy

Excellent friendly staff and officers that are ready and willing to strive to meet and exceed customers needs. This "hometown bank" has been a longtime institution within the community always helping citizens and businesses alike. It is refreshing to have staff and officers with genuine concern to help people achieve their dreams. Thank you FNC Bank.

Scott

I have been a patron of the Bank since 1974. Never had a bad experience, and was always able to work with the bank to solve my banking needs.

Arthur

I have been working with FNC Bank for 25 years for my personal banking and 15 years for my commercial banking needs. The folks at FNC are knowledgeable, kind, fair and always looking out for my best interest! I am very pleased that I chose to make First National Community Bank, MY bank 25 years ago and trust that I am in good hands for the next 25 years!

Joseph

Great small town bank, I love that they know who you are when you walk in the door or call.

Errin

FNC Bank has been our bank for over a decade. The customer service is first rate and I love the small town branch vs the big banks.

Karin

I have been with FNC bank for over 20 years and even though I have moved, I like the small town bank so I continue my accounts there.

Christyl

This is the bank to hold your accounts. I have tried other banks and returned to this one. The people are top notch. Friendly and knowledgeable. I thank them for their always helpful attitude!

Toni

I have been with FNC Bank for 20+yrs. We went to FNC for a construction loan and a checking account when we 1st moved here. We both wanted something more out of a bank, one that would make us feel like we were people not just an account that we had where we had been. Boy, did they come through from loan officers to the tellers. From that 1st construction loan, the loan officers have always helped us save $$$ like helping us lock in a rate to refinancing and equity lines. Making the process so easy. The tellers are always so helpful. Everyone has always been professional, and yet making you feel like family, just what we were looking for. They are "like a good neighbor" in everyway.

Jana

Fantastic team! Knowledgeable, prompt, and professional across the board - from a simple savings account, to complex mortgage products, they find the best way to make it work for you.

Derek

I moved from New Richmond to Woodbury. I have continued to be a customer due to the service I receive. Step into any "big bank" and you will see the difference. I recently applied for a bank credit card to have on hand for an emergency. The low interest rate was incredible. So happy!

Tamara

Keep doing a great job in helping customers with fraudulent charges. Top notch support. Some of my friends have had these issues with fraud and they received ZERO support from their bank. (that was not FNCB)! Thank you!

Kate

A friendly local bank, that knows who you are when you walk in the door. Always ready and able to find answers. They aim to be part of the solution, not another part of the problem.

Rick

Personal Savings Accounts