Rates

Updated: 04/01/2022

Certificates of Deposit

(tiers based on total Certificate of Deposit relationship)

TIER TERM *APY INTEREST RATE
$500.00 - $9,999.99 91 Days 0.25% 0.25%
182 Days 0.35% 0.35%
1 Year 0.60% 0.60%
2 Years 0.90% 0.90%
3 Years 1.10% 1.10%
4 Years 1.21% 1.20%
$10,000.00 - $24,999.99 91 Days 0.30% 0.30%
182 Days 0.45% 0.45%
1 Year 0.65% 0.65%
2 Years 0.95% 0.95%
3 Years 1.15% 1.15%
4 Years 1.26% 1.25%
$25,000.00 and Over 91 Days 0.35% 0.35%
182 Days 0.50% 0.50%
1 Year 0.70% 0.70%
2 Years 1.00% 1.00%
3 Years 1.21% 1.20%
4 Years 1.36% 1.35%

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 0.40% 0.40%
$10,000.00 - $24,999.99 0.50% 0.50%
$25,000.00 - $99,999.99 0.60% 0.60%
$100,000.00 and Over 0.65% 0.65%

Investor's Money Market Account

TIER *APY INTEREST RATE
$0.01 - $9,999.99 0.15% 0.15%
$10,000.00 - $24,999.99 0.20% 0.20%
$25,000 and Over 0.25% 0.25%

Savings Accounts

TIER *APY INTEREST RATE
$200.00 - $2,499.99 0.15% 0.15%
$2,500.00 - $9,999.99 0.20% 0.20%
$10,000.00 - $24,999.99 0.25% 0.25%
$25,000.00 and Over 0.30% 0.30%

Youth Savings Account

TIER *APY INTEREST RATE
$0.01 - $2,499.99 0.15% 0.15%
$2,500.00 - $9,999.99 0.20% 0.20%
$10,000.00 and Over 0.25% 0.25%

Interest Checking Accounts

TIER *APY INTEREST RATE
$0.01 - $999.99 0.00% 0.00%
$1,000.00 and Over 0.05% 0.05%

*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.