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Personal Savings

First Century Bank offers a variety of savings accounts to meet any need you may have.


Mighty Oak Growth

Regular Savings

  • Tiered Interest Rates
  • Online Banking Access
  • No Minimum Balance
  • Minimum opening deposit: $100.00
  • Simple interest, calculated on collected balance, and credited monthly1
  • Make up to 3 withdrawals per quarter at no charge

Reward yourself for higher balances with a strong rate of return and keep the flexibility of making deposits or withdrawals at anytime. The more money you save, the more interest your account generates. This account is tier-based, meaning the greater the balance the higher the interest rate and annual percentage yield (APY).


Transfers from a Mighty Oak Growth Account to another account or third parties by pre-authorized, automatic, or telephone transfer are limited to six per month with no more than three by check, draft, or similar order to third parties.


1The interest rate and annual percentage yield (APY) for each tier may change.
  • Minimum opening deposit: $100.00
  • Make up to 9 withdrawals per quarter at no charge2
  • Interest Bearing. Interest is compounded daily, calculated on collected balance, and credited quarterly1

Build your savings with healthy interest rates without investing a large sum of cash or the temptation to spend your hard earned savings. This account is a great way to start saving for an unexpected expense, a big purchase, the holidays, or just for a rainy day.


1The interest rate and annual percentage yield (APY) may change at any time
2A fee will be charged for each withdrawal in excess of 9 per quarter

Little Acorn Saving Account

Christmas Club Account

  • Minimum opening deposit: $25.00
  • Quarterly Statement
  • Make up to 9 withdrawals per quarter at no charge
  • Interest Bearing. Interest is compounded daily, calculated on collected balance and credited every 90 days.1

Teach your children the importance of saving with strong interest rates while making it fun and easy. It's never to early to start building good financial habits! Designed for children under the age of 18.


First Century Bank will deposit $5.00 into the account on its one year anniversary date, and $10.00 at the end of five years if a $25.00 minimum balance has been maintained throughout.


Transfers from a Little Acorn Account to another account or third parties by pre-authorized, automatic, or telephone transfers are limited to six per month with no more than three by check, draft, or similar order to third parties.


1The interest rate and annual percentage yield (APY) may change at any time.
  • Minimum opening deposit: $10.00
  • No monthly service charge
  • Make deposits at any time
  • Online Banking Access
  • Fee assessed for each withdrawal and when account is closed prior to maturity1
  • Interest Bearing. Interest is compounded daily, calculated on collected balance, and credited quarterly2

Make every holiday a little easier on your wallet with the holiday cash you've saved and receive a check for your holiday shopping.


Transfers from a Christmas Club Account to another account or third parties by pre-authorized, automatic, or telephone transfer are limited to six per month with no more than three by check, draft, or similar order to third parties.


1A $5.00 fee will be charged for each withdrawal made before October 15th. A $25.00 fee in addition to forfeiture of accrued interest will be charged for early closure.
2The interest rate and annual percentage yield (APY) may change at any time.