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First National Bank of Osakis

PO Box 580
211-213 Central Avenue
Osakis, MN 56360
Ph: 320-859-2101
Fax: 320-859-3680

Lobby Hours:

M-Th 8:30am-3:00pm
Fri 8:30am-5:30pm
Sat 8:30am-Noon

Drive Up Hours:

M-F 8:00am-5:30pm
Sat 8:00am-Noon

 
 

 

Certificates of Deposit
(Tiers based on total certificate of deposit relationship)
Tier Term *APY Interest Rate
$500 - $9,999.99 91 Day .10

.10

  182 Day .25 .25
  1 Year .60 .60
  2 Year .85 .85
  3 Year 1.10 1.10
$10,000 - $24,999.99 91 Day .10 .10
  182 Day .35 .35
  1 Year .70 .70
  2 Year .95 .95
  3 Year 1.21 1.20
$25,000 - $99,999 91 Day .25 .25
  182 Day .50 .50
  1 Year 1.00 1.00
  2 Year 1.26 1.25
  3 Year 1.51 1.50
Over $100,000 91 Day .25 .25
  182 Day .50 .50
  1 Year 1.00 1.00
  2 Year 1.26 1.25
  3 Year 1.51 1.50
*APY = Annual Percentage Yields are effective 12/01/2011** $5,000 MInimum,

Penalty for Early Withdrawal for a Certificate term of 1 year or less is 3 months interest.
If Certificate term is greater than 1 year, the penalty is 6 months interest.

**$500 Minimum Plus Deposit Account Relationship.

FDIC Insurance up to $250,000 per depositor. For more information, call 320-859-2101.


 

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Retirement Investment Account
Tier *APY Interest Rate
$500 - $9,999.99 .85 .85
$10,000 - $24,999.99 .95 .95
$25,000 - $99,999.99 1.26 1.25
*APY = Annual Percentage Yields are effective 12/01/2011 are variable, and are subject to change. Fees may reduce earnings.
$10 Annual Fee
IRA accounts are also available in all fixed rate terms. A $25.00 transfer fee will be assessed when closing a Certificate of Deposit of Savings Retirement Account and transferring the funds outside the Bank.


 

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The Investor's Account
Tier *APY Interest Rate
$1 - $9,999.99 .10 .10
$10,000 - $24,999.99 .30 .30
$25,000 - AND OVER .50 .50
*APY = Annual Percentage Yields are effective 12/01/2011are variable, and are subject to change. Minimum balance to open account is $5,000. Fees may reduce earnings.
 


 

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Savings Accounts
Tier *APY Interest Rate
$200 - $2,499.99 .05 .05
$2,500 - $9,999.99 .10 .10
$10,000 - $24,999.99 .20 .20
Over $25,000 .45 .45
*APY = Annual Percentage Yields are effective 12/01/2011, are variable, and are subject to change. Fees may reduce earnings.
 


 

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Youth Savers Account/Money Beez
Tier *APY Interest Rate
$01 - $2,499.99 .10 .10
$2,500 - $9,999.99 .20 .20
$10,000 - AND OVER .45 .45
*APY = Annual Percentage Yields are effective 12/01/2011, are variable, and are subject to change. Fees may reduce earnings.
 


 

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NOW Accounts
*APY Interest Rate
.15 .15
*APY = Annual Percentage Yields are effective 12/01/2011, are variable, and are subject to change. Fees may reduce earnings. Minimum balance to receive interest is $1,000.


 

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