Premier Advantage

	Customer must be 50 years of age or older
	No monthly fee
	Unlimited check writing
	Free checks (single)
	Earn interest with balances $1,000 and over
	Free entertainment book annually
	First year safe deposit box free (3x5)
	No annual fee ATM card/check card
	No fee Travelers Cheques/Personal Money Orders
	No minimum balance
	$50 deposit to open account

Preferred Advantage

	Unlimited check writing
	First order of single checks free
	Free Entertainment Book annually
	Earn interest from first day of deposit
	First year safe deposit box free (3x5)
	No annual fee ATM card/check card
	No fee Travelers Cheques/Personal Money Orders
	$10,000 minimum or $15,000 average collected balance in any related First Community Bank personal account
	$10 fee if minimum or average balance is not maintained
	$50 deposit to open account

Advantage Plus

	Unlimited check writing
	Free checks (single)
	Earn interest with balances $1,000 and over
	Free Entertainment Book annually
	First year safe deposit box free (3x5)
	No annual fee ATM card/check card
	No fee Travelers Cheques/Personal Money Orders
	$5 maintenance fee direct charge
	No minimum balance
	$50 deposit to open account

Advantage Direct

	Unlimited check writing
	First order of single checks free
	Free Entertainment Book upon opening of account
	$100 minimum balance to avoid monthly maintenance fee
	$7 maintenance fee if minimum balance not maintained or minimum of one monthly ACH direct deposit
	$50 deposit to open account

Student Advantage

	Must be a student
	Unlimited check writing
	No annual fee ATM card
	First order of single checks free
	No minimum balance or monthly fees
	$50 deposit to open account

	Minimum balance of $50
	$2.00 maintenance fee if minimum balance is not maintained.
	Interest is compounded and credited monthly with monthly balance $50 and over
	$1 Service chargeable debit fee per debit or withdrawal after three during statement period
	Set up automatic loan payments
	ATM features
	Receive monthly statement
	$50 deposit to open

Christmas Club

	Paid a set interest rate for entire term
	Receive payment of principle and interest

CD's

	Select from a variety of terms and dollar amounts
	Interest rate is set for entire period of CD
	Rates are determined by amount and length of CD
	Call (608) 868-7644 for current rates
	Annual percentage yield assumes money left in CD until maturity

Money Markets

	Regular Money Market $1,000 deposit to open account $1,000 minimum balance to avoid service charge  $6 maintenance fee if minimum balance is not maintained Interest compounded and credited monthly Interest credited monthly Receive monthly statement Check writing features
	Advantage Yield Money Market $10,000 deposit to open account $2,500 daily balance or an average monthly balance of $5,000 to avoid fee $9.75 maintenance fee if minimum or average balance is not maintained Tiered rate structure Interest compounded and credited monthly Check writing features Receive monthly statement

Junior Advantage Savings Account

	$25 deposit to open account
	Primary person on account must be younger than 18 years and jointly owned with an adult
	Receive quarterly statement
	Interest compounded and credited quarterly
	No more than 6 withdrawals or transfers per month
	Account will automatically convert to the Advantage Statement savings on 18th birthday
	No minimum balance
	No quarterly fee

In addition to the loans we make for financing your car, home, or business we offer a variety of personal loans to qualified customers for your other borrowing needs.

We have loans available to you to make home improvements, purchase a boat, take your dream vacation or for whatever other reason you may need money. Let us be your financial resource!
Our personal loans offer you the following:

• Competitive interest rates on all types of loans.
• Flexible repayment terms.
• Liberal down payment requirements to qualified customers.
• Flexible collateral requirements.
• Prompt approval, usually in less than 24 hours.
• Professional service from experienced lenders

Construction Loan

If your future includes building a new home, First Community Bank is your choice for financing.  We offer competitive rates and a full line of mortgage products upon completion of your home. 

Mortgage Loan

Your home is an important investment and care should be taken when you decide on financing.  Our mortgage loan specialists are here to help you make the right choice.   With competitive rates, flexible terms and innovative loan packages, we are prepared to make your dream of owning a home come true.  When buying, building, or refinancing let us help you examine your options.

Home Equity Loan

With our Home Advantage, Equity Line of Credit, you can take advantage of your homes equity to obtain a loan for home improvements, a new car, education expenses, or consolidation of debts.  And, the interest you pay may be tax deductible.   Consult your tax advisor.