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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Our branches will be closed on Tuesday, November 11, in observance of Veterans Day.

Note: This interactive calculator is intended as an educational tool but not as investment advice. The information presented isn’t designed to advise you of strategies which are applicable to your specific situation but rather to highlight issues for your consideration. Therefore, you should always consult your financial or tax advisor. Your own goals will help you to develop a specific financial strategy.

Emergency Fund FAQs

• Standard recommendation: 3-6 months of essential expenses

• Higher-risk situations: 6-9 months (irregular income, volatile industry)

• Focus on: Housing, utilities, groceries, insurance, minimum debt payments • Exclude: Dining out, entertainment, luxury purchases

• Best options: High-yield savings account or money market account

• Priority: Easy access without penalties over high returns

• Avoid: Stocks or volatile investments that could lose value

• Goal: Liquidity and capital preservation, not growth

• Start small: Initial goal of $1,000

• Build gradually: One month of expenses, then work toward full target

 • Contribution rate: 10-20% of income until goal is reached

• Strategy: Automate transfers to make saving consistent

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FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer.

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Only deposit products are FDIC insured.

 Investment Products are: NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY LOSE VALUE