Personal Savings and Investment

Whether you need to start building a stable savings plan while maintaining convenient access to your accounts or are considering investing extra funds for a designated period of time in other savings options, First National Bank & Trust can help you find the right savings solution.

Savings Accounts


Interest is compounded and paid quarterly at the savings rate posted in the lobby. Nine withdrawals per quarter are provided with no cost, and there is no service charge if the balance remains at $100 or above every day of the statement cycle. For minors, there is no service charge if the balance remains at $100 or above every day of the statement cycle.

Certificates of Deposit (CD)


CDs offer safety, liquidity and income. Beginning at $1,000 and including Jumbo CDs ($100,000 or more), our certificates can be renewed automatically. CD rates vary, and a substantial penalty for early withdrawal may apply.

Individual Retirement Accounts (IRA)


No monthly maintenance fee. Close out and transfer fees of $25 apply.

Investment Opportunities


Click here for more information about Financial Planning & Investment Services.


Contact One of Our Personal Bankers


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Shawnee - MacArthur and FireLake

Retail Branch Supervisor


Emma From

Shawnee - Home Office

New Accounts Representative
Emma From; 405-275-8830


April Anderson

Shawnee - FireLake

New Accounts Representative
April Anderson; 405-878-4877


Gayla Foster


New Accounts Representative
Gayla Foster; 405-379-3902


Sarah McLain

Lawton – Quanah Parker

New Accounts Representative/Loan Assistant
Sarah McLain; 580-536-8800


I'esha Mergerson

Lawton – Sheridan

New Accounts Representative/Loan Assistant
I'esha Mergerson; 580-536-8801


Cindy Colwell


New Accounts Representative
Cynthia Colwell; 580-782-3365


Kathy Gelnar


Branch Leader
Kathy Gelnar; 580-535-4848

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