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Individual Retirement Accounts

Regular investing using a FCNB IRA can help to ensure your retirement years are enjoyable.  It is never too early to start planning for the future. The sooner you begin contributing, the faster your savings will grow due to possible tax savings and our competitive interest rates. Our IRA accounts have a minimum deposit of $500.00 to open the account.

Minimum amounts for future deposits and withdrawals are also $500.00.

Traditional IRA

  • Contributions may be tax deductible
  • Required minimum distribution begins at 70½
  • No federal income tax on earnings until withdrawn
  • Withdrawals before 59½ are usually subject to a 10% penalty

Roth IRA

  • Contributions are not tax deductible
  • No required minimum distribution at 70½
  • Interest is tax exempt

Please contact a New Accounts representative at your branch to discuss your retirement needs.

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Online Banking

Want to keep track of your IRA growth? Why not enable them through Online Banking?


Safe Deposit Boxes

Get peace of mind when storing your valuables in a FCNB Safe Deposit Box. Available boxes at the Fayetteville Main Office as well as Oak Hill and Ansted Locations. Click here for more info.