//Updated October 2019
Certificate of Deposit
| Certificates of Deposit (Tiers based on total certificate of deposit relationship) |
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| Tier | Term | *APY | Interest Rate |
|---|---|---|---|
| $500 – $9,999.99 | 91 Day | 0.20% | 0.20% |
| 182 Day | .30% | .30% | |
| 1 Year | .80% | .80% | |
| 2 Year | 1.0% | 1.0% | |
| 3 Year | 1.05% | 1.05% | |
| 4 Year | 1.21% | 1.20% | |
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| $10,000 – $24,999.99 | 91 Day | 0.30% | 0.30% |
| 182 Day | .40% | .40% | |
| 1 Year | .85% | .85% | |
| 2 Year | 1.05% | 1.05% | |
| 3 Year | 1.10% | 1.10% | |
| 4 Year | 1.26% | 1.25% | |
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| $25,000 and Over | 91 Day | 0.35% | 0.35% |
| 182 Day | .45% | .45% | |
| 1 Year | 1.00% | 1.00% | |
| 2 Year | 1.10% | 1.10% | |
| 3 Year | 1.15% | 1.15% | |
| 4 Year | 1.31% | 1.30% | |
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| *APY = Annual Percentage Yields are effective 04/01/2020** $500 Minimum,
Penalty for Early Withdrawal for a Certificate term of 1 year or less is 3 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. |
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Retirement Investment Account
| Retirement Investment Account | ||
| Tier | *APY | Interest Rate |
| $.01 – $9,999.99 | 0.60% | 0.60% |
| $10,000 – $24,999.99 | 0.70% | 0.70% |
| $25,000 – $99,999.99 | 0.80% | 0.80% |
| $100,000 AND OVER | 1.00% | 1.00% |
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| *APY = Annual Percentage Yields are effective 04/01/2020 are variable, and are subject to change. Fees may reduce earnings. $10 Annual Fee |
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The Investor's Account
| The Investor’s Money Market Account | ||
| Tier | *APY | Interest Rate |
| $.01 – $9,999.99 | 0.35% | 0.35% |
| $10,000 – $24,999.99 | 0.45% | 0.45% |
| $25,000 AND OVER | 0.55% | 0.55% |
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| *APY = Annual Percentage Yields are effective 04/01/2020 are variable, and are subject to change. Minimum balance to open account is $5,000. The Minimum withdrawal amount for the Investors Checking is $500. Fees may reduce earnings. | ||
Savings Accounts
| Savings Accounts | ||
| Tier | *APY | Interest Rate |
| $200 – $2,499.99 | 0.20% | 0.20% |
| $2,500 – $9,999.99 | 0.30% | 0.30% |
| $10,000 – $24,999.99 | 0.40% | 0.40% |
| $25,000 AND OVER | 0.55% | 0.55% |
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| *APY = Annual Percentage Yields are effective 04/01/2020, are variable, and are subject to change. Fees may reduce earnings. | ||
Youth Savers
| Youth Savers Account | ||
| Tier | *APY | Interest Rate |
| $01 – $2,499.99 | 0.20% | 0.20% |
| $2,500 – $9,999.99 | 0.30% | 0.30% |
| $10,000 AND OVER | 0.40% | 0.40% |
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| *APY = Annual Percentage Yields are effective 04/01/2020, are variable, and are subject to change. Fees may reduce earnings. | ||
Interest Checking Accounts
| Interest Checking | |
| *APY | Interest Rate |
| 0.10% | 0.10% |
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| *APY = Annual Percentage Yields are effective 04/01/2020, are variable, and are subject to change. Fees may reduce earnings. Minimum balance to receive interest is $1,000. | |
