Rates

Updated: 12/01/2022

Certificates of Deposit

(tiers based on total Certificate of Deposit relationship)

TIER TERM *APY INTEREST RATE
$500.00 - $9,999.99 91 Days 0.81% 0.80%
182 Days 1.31% 1.30%
1 Year 1.62% 1.60%
2 Years 1.77% 1.75%
3 Years 1.92% 1.90%
4 Years 2.08% 2.05%
$10,000.00 - $24,999.99 91 Days 0.91% 0.90%
182 Days 1.41% 1.40%
1 Year 1.67% 1.65%
2 Years 1.82% 1.80%
3 Years 1.97% 1.95%
4 Years 2.13% 2.10%
$25,000.00 and Over 91 Days 1.01% 1.00%
182 Days 1.52% 1.50%
1 Year 1.72% 1.70%
2 Years 1.87% 1.85%
3 Years 2.03% 2.00%
4 Years 2.18% 2.15%

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 Accounts

TIER *APY INTEREST RATE
$0.01 - $9,999.99 0.91% 0.90%
$10,000.00 - $24,999.99 1.06% 1.05%
$25,000.00 - $99,999.99 1.16% 1.15%
$100,000.00 and Over 1.31% 1.30%

The Investor's Checking Accounts

TIER *APY INTEREST RATE
$0.01 - $9,999.99 0.75% 0.75%
$10,000.00 - $24,999.99 0.86% 0.85%
$25,000 and Over 1.01% 1.00%

Savings Accounts

TIER *APY INTEREST RATE
$200.00 - $2,499.99 0.81% 0.80%
$2,500.00 - $9,999.99 0.91% 0.90%
$10,000.00 - $24,999.99 1.01% 1.00%
$25,000.00 and Over 1.16% 1.15%

Youth Savers Accounts

TIER *APY INTEREST RATE
$0.01 - $2,499.99 0.76% 0.75%
$2,500.00 - $9,999.99 0.91% 0.90%
$10,000.00 and Over 1.01% 1.00%

Interest Checking Accounts

TIER *APY INTEREST RATE
$0.01 - $999.99 0.00% 0.00%
$1,000.00 and Over 0.25% 0.25%

*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.