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.