Rates

Updated: 09/08/2022

Certificates of Deposit

(tiers based on total Certificate of Deposit relationship)

TIER TERM *APY INTEREST RATE
$500.00 - $9,999.99 91 Days 0.60% 0.60%
182 Days 1.10% 1.10%
1 Year 1.31% 1.30%
2 Years 1.51% 1.50%
3 Years 1.61% 1.60%
4 Years 1.76% 1.75%
$10,000.00 - $24,999.99 91 Days 0.70% 0.70%
182 Days 1.20% 1.20%
1 Year 1.41% 1.40%
2 Years 1.61% 1.60%
3 Years 1.71% 1.70%
4 Years 1.86% 1.85%
$25,000.00 and Over 91 Days 0.80% 0.80%
182 Days 1.30% 1.30%
1 Year 1.51% 1.50%
2 Years 1.71% 1.70%
3 Years 1.81% 1.80%
4 Years 2.02% 2.00%

Penalty for Early Withdrawal for a Certificate term of 1 year or less is 3 months interest.  If the Certificate term is greater than 1 year, the penalty is 6 months interest.  Must have a Transactional Deposit Account Relationship with FNB Osakis.  FDIC Insurance up to $250,000 per depositor. For more information, call (320) 859-2101.


Individual Retirement Account

TIER *APY INTEREST RATE
$0.01 - $9,999.99 0.70% 0.70%
$10,000.00 - $24,999.99 0.85% 0.85%
$25,000.00 - $99,999.99 1.00% 1.00%
$100,000.00 and Over 1.10% 1.10%

Investor's Money Market Account

TIER *APY INTEREST RATE
$0.01 - $9,999.99 0.40% 0.40%
$10,000.00 - $24,999.99 0.50% 0.50%
$25,000 and Over 0.60% 0.60%

Savings Accounts

TIER *APY INTEREST RATE
$200.00 - $2,499.99 0.45% 0.45%
$2,500.00 - $9,999.99 0.55% 0.55%
$10,000.00 - $24,999.99 0.65% 0.65%
$25,000.00 and Over 0.75% 0.75%

Youth Savings Account

TIER *APY INTEREST RATE
$0.01 - $2,499.99 0.40% 0.40%
$2,500.00 - $9,999.99 0.50% 0.50%
$10,000.00 and Over 0.60% 0.60%

Interest Checking Accounts

TIER *APY INTEREST RATE
$0.01 - $999.99 0.00% 0.00%
$1,000.00 and Over 0.10% 0.10%

*APY = Annual Percentage Yields are effective as of the date listed at the top of this page.  APY's are variable and subject to change.  Fees may reduce earnings.