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 1.01% 1.00%
182 Days 1.51% 1.50%
1 Year 1.81% 1.80%
2 Years 1.86% 1.85%
3 Years 1.92% 1.90%
4 Years 2.07% 2.05%
$10,000.00 - $24,999.99 91 Days 1.11% 1.10%
182 Days 1.61% 1.60%
1 Year 1.86% 1.85%
2 Years 1.91% 1.90%
3 Years 1.97% 1.95%
4 Years 2.12% 2.10%
$25,000.00 and Over 91 Days 1.21% 1.20%
182 Days 1.71% 1.70%
1 Year 1.91% 1.90%
2 Years 1.96% 1.95%
3 Years 2.02% 2.00%
4 Years 2.17% 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 1.05% 1.05%
$10,000.00 - $24,999.99 1.21% 1.20%
$25,000.00 - $99,999.99 1.31% 1.30%
$100,000.00 and Over 1.46% 1.45%

The Investor's Checking Accounts

TIER *APY INTEREST RATE
$0.01 - $9,999.99 0.95% 0.95%
$10,000.00 - $24,999.99 1.06% 1.05%
$25,000 and Over 1.21% 1.20%

Savings Accounts

TIER *APY INTEREST RATE
$200.00 - $2,499.99 1.00% 1.00%
$2,500.00 - $9,999.99 1.11% 1.10%
$10,000.00 - $24,999.99 1.21% 1.20%
$25,000.00 and Over 1.36% 1.35%

Youth Savers Accounts

TIER *APY INTEREST RATE
$0.01 - $2,499.99 0.95% 0.95%
$2,500.00 - $9,999.99 1.10% 1.10%
$10,000.00 and Over 1.31% 1.30%

Interest Checking Accounts

TIER *APY INTEREST RATE
$0.01 - $999.99 0.00% 0.00%
$1,000.00 and Over 0.40% 0.40%

*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.