Rates | First National Bank of Osakis

Certificate of Deposit

Tier	Term	*APY	Interest Rate
Certificates of Deposit (Tiers based on total certificate of deposit relationship)
$500 – $9,999.99	91 Day	.20	.20
	182 Day	.30	.30
	1 Year	.40	.40
	2 Year	.65	.65
	3 Year	. 90	.90
	4 Year	1.15	1.15

$10,000 – $24,999.99	91 Day	.20	.20
	182 Day	.30	.30
	1 Year	.50	.50
	2 Year	.75	.75
	3 Year	1.0	1.0
	4 Year	1.25	1.25

$25,000 and Over	91 Day	.35	.35
	182 Day	.45	.45
	1 Year	.50	.50
	2 Year	.75	.75
	3 Year	1.0	1.0
	4 Year	1.25	1.25

APY = Annual Percentage Yields are effective 02/04/2016* $5,000 MInimum, Penalty for Early Withdrawal for a Certificate term of 1 year or less is 3 months interest. If 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.

Retirement Investment Account
Tier	*APY	Interest Rate
$01 – $9,999.99	.65	.65
$10,000 – $24,999.99	.75	.75
$25,000 – $99,999.99	.75	.75

*APY = Annual Percentage Yields are effective 02/04/2016 are variable, and are subject to change. Fees may reduce earnings. $10 Annual Fee IRA accounts are also available in all fixed rate terms. A $25.00 transfer fee will be assessed when closing a Certificate of Deposit of Savings Retirement Account and transferring the funds outside the Bank.

The Investor’s Account
Tier	*APY	Interest Rate
$1 – $9,999.99	.10	.10
$10,000 – $24,999.99	.20	.20
$25,000 – AND OVER	.30	.30

*APY = Annual Percentage Yields are effective 02/04/2016 are variable, and are subject to change. Minimum balance to open account is $5,000. The Minimum withdrawl amount for the Investors Checking is $500. Fees may reduce earnings.

Savings Accounts
Tier	*APY	Interest Rate
$200 – $2,499.99	.10	.10
$2,500 – $9,999.99	.10	.10
$10,000 – $24,999.99	.20	.20
Over $25,000	.35	.35

*APY = Annual Percentage Yields are effective 02/04/2016, are variable, and are subject to change. Fees may reduce earnings.

Youth Savers Account/Money Beez
Tier	*APY	Interest Rate
$01 – $2,499.99	.05	.05
$2,500 – $9,999.99	.15	.15
$10,000 – AND OVER	.30	.30

*APY = Annual Percentage Yields are effective 02/04/2016, are variable, and are subject to change. Fees may reduce earnings.

NOW Accounts
*APY	Interest Rate
.10	.10

*APY = Annual Percentage Yields are effective 02/04/2016, are variable, and are subject to change. Fees may reduce earnings. Minimum balance to receive interest is $1,000.