A new year brings a fresh opportunity to reset, refocus, and make thoughtful decisions about your financial future. Whether 2026 includes big plans—like buying a home, traveling, or making a major purchase—or simply building stronger habits, starting the year with a solid savings strategy can help you feel confident and in control.
At First National Bank, we believe that building deposits early in the year creates flexibility and peace of mind all year long. Here are five smart ways to get your money working for you from day one.
- Strengthen Your Emergency Fund - If the past few years have taught us anything, it’s the importance of being prepared. An emergency fund helps cover unexpected expenses—like car repairs, medical bills, or home maintenance—without disrupting your long-term goals. A good rule of thumb is to save three to six months of essential expenses. Opening or contributing to a First National Bank savings account is a simple way to start building (or rebuilding) that cushion in 2026.
- Make Retirement Savings a Priority - January is the perfect time to revisit retirement goals. Contributing regularly to an IRA—Traditional or Roth—can help you take advantage of long-term growth and potential tax benefits. Even small, consistent contributions can add up over time. If retirement feels overwhelming, our team can help you determine how much to save, and which options fit your unique goals.
- Plan Ahead for Big Purchases - Whether you’re thinking about a new vehicle, home improvements, or a milestone event later in the year, planning ahead can reduce stress and borrowing costs. Dedicated savings accounts or short-term CDs let you set money aside with purpose, earn interest, and keep funds accessible when you need them.
- Put Your Savings on Autopilot - Consistency is key. Setting up automatic transfers from checking to savings makes saving easier and more reliable. You’ll build deposits steadily without having to think about it, and you’re far more likely to stay on track.
- Choose Accounts That Grow with You - From starter checking accounts to competitive savings options and certificates of deposit, First National Bank offers tools designed to support every stage of your financial journey. Combined with online and mobile banking, managing your money has never been more convenient.
We’re Here to Help
No matter where you’re starting from, the most important step is the first one—reaching out. Our local team is here to help you build a plan, explore account options, and make confident decisions for the year ahead.
👉 Explore Savings Accounts »
👉 Schedule a Financial Review »
No matter where you’re starting from, the most important step is the first one—reaching out. Our local team is here to help you build a plan, explore account options, and make confident decisions for the year ahead.
👉 Explore Savings Accounts »
👉 Schedule a Financial Review »