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Plan for What Comes Next

Long-term goals can take many forms, from building retirement savings to preparing for healthcare or education expenses. First Bank Midwest offers deposit products and financial services that can help you plan for the future based on your needs and goals.

Certificates of Deposit (CDs)

A predictable way to earn on money you can set aside.

Certificates of Deposit offer a fixed rate for a set period of time. With a variety of terms available, a CD may be a good option when you want predictable earnings and don't need immediate access to the money you deposit.

    This may be a good fit if you:

    • Have money you can set aside for a specific period
    • Prefer a fixed rate and predictable earnings
    • Want to choose a term that fits your plans

    Account Details

    • Variety of terms available
    • Fixed rate for the applicable term
    • FDIC insured within applicable limits
    • Early withdrawal penalties may apply

    Health Savings Account (HSA)

    Save for qualified healthcare expenses today and in the future.

    For eligible customers, a Health Savings Account provides a tax-advantaged way to set aside money for qualified healthcare expenses. Use the funds for eligible expenses now or keep saving for future healthcare needs.

    This may be a good fit if you:

    • Are enrolled in a qualifying high-deductible health plan
    • Want to set aside money for qualified healthcare expenses
    • Want the potential tax advantages available with an HSA

    Account Details

    • $100 minimum to open
    • $5 monthly maintenance fee
    • $2.50 maintenance fee reduction with e-Statements
    • Additional $2.50 maintenance fee reduction with direct deposit
    • Tiered interest rates
    • Eligibility requirements apply

    Individual Retirement Accounts (IRAs)

    Put retirement savings in a place built for the future.

    First Bank Midwest offers IRA options for customers who want to save specifically for retirement. Traditional IRA, Roth IRA, and IRA Savings options provide different ways to prepare, depending on your needs and eligibility.

    This may be a good fit if you:

    • Want to set money aside specifically for retirement
    • Are looking for a Traditional or Roth IRA option
    • Want to learn which IRA option may fit your plans

    Account Details

    • Traditional IRA
    • Roth IRA
    • IRA Savings
    • Eligibility, contribution limits, and tax treatment vary by account type

    Education Savings

    Start preparing for future education expenses.

    Education savings options can help families set money aside over time for future education costs. A First Bank Midwest team member can help you learn more about the available options.

    This may be a good fit if you:

    • Are saving for a child, grandchild, or other family member
    • Want to start planning ahead for education expenses

    Investment Services

    Guidance for your investment goals.

    Investment Services provides access to professional financial guidance for customers planning for retirement, investing for the future, preparing for education expenses, or working toward other long-term goals.

    This may be a good fit if you:

    • Want to set money aside specifically for retirement
    • Are looking for a Traditional or Roth IRA option
    • Want to learn which IRA option may fit your plans

    Retirement Services

    Plan for the retirement you have in mind.

    Retirement planning can involve savings, investments, retirement accounts, and future income needs. Our professionals can help you understand your options and plan for the years ahead.

    This may be a good fit if you:

    • Are beginning to plan for retirement
    • Are approaching retirement and want to review your options
    • Want professional guidance with your retirement plans

    Wealth Management

    Experience and guidance for more complex financial needs.

    First Bank Midwest Wealth Management works with individuals, families, businesses, and landowners who may need help managing investments, trusts, estates, retirement plans, or agricultural assets.

    This may be a good fit if you:

    • Have more complex financial or estate planning needs
    • Need trust or estate services
    • Want professional investment or wealth management guidance
    • Need farm management services