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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 .70     

.70
182 Day .95 .95
1 Year 1.31 1.30
2 Year 1.56 1.55
3 Year 1.81 1.80 
$10,000 - $24,999.99 91 Day .80 .80
182 Day 1.05 1.05
1 Year 1.41 1.40
2 Year 1.61 1.60
3 Year 1.91 1.90
$25,000 - $99,999 91 Day .95 .95
182 Day 1.20 1.20
1 Year 1.71 1.70
2 Year 1.96 1.95
3 Year 2.22 2.20
Over $100,000 91 Day .95 .95
182 Day 1.20 1.20
1 Year 1.71 1.70
2 Year 1.96 1.95
3 Year 2.22 2.20
*APY = Annual Percentage Yields are effective 08/04/2010
** $5,000 MInimum, one time step up rate during term.

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 1.56 1.55
$10,000 - $24,999.99 1.61 1.60
$25,000 - $99,999.99 1.96 1.95
*APY = Annual Percentage Yields are effective 08/04/2010, are variable, and are subject to change. Fees may reduce earnings.

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 .20 .20
$10,000 - $24,999.99 .80 .80
$25,000 - AND OVER 1.01 1.00
*APY = Annual Percentage Yields are effective 07/02/2010, are 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 .25 .25
$2,500 - $9,999.99 .50 .50
$10,000 - $24,999.99 .75 .75
Over $25,000 1.01 1.00
*APY = Annual Percentage Yields are effective 07/02/2010, 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 .75 .75
$2,500 - $9,999.99 1.00 1.00
$10,000 - AND OVER 1.26 1.25
*APY = Annual Percentage Yields are effective 07/02/2010, 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 07/02/2010, are variable, and are subject to change. Fees may reduce earnings. Minimum balance to receive interest is $1,000.

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