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First
National Bank Bemidji Interest Rate Sheet
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$100 Minimum Deposit required to open
Statement Savings, Money Market accounts and Checking
accounts
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$50 Minimum Deposit required to open Thrift
Savings Account
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Rate may change after account is opened on
all deposit accounts listed above.
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Minimum Balances listed above are to avoid
service charges. The minimum balance to avoid a service charge on a
First Insured Money Market Account is $1000. There is no minimum balance to earn interest.
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Fees may reduce earnings.
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APY - Annual
Percentage Yield based on the following compounding frequencies;
Quarterly - Young Investor Savings Accounts; Monthly - First
Plus Checking, Statement & Money Market Savings; Thrift
Savings - Interest compounds and is credited Semi-Annually.
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Early withdrawal penalties may apply.
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Early withdrawal penalties or fees may
reduce earnings.
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All 18 month IRA accounts are based
on monthly compounding.
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Rate may change after account is opened on the Variable
Rate IRA.
IRA Accountholders who are 59
1/2 or older
may request an IRA RATE CHANGE once every 12
months without penalty and withdraw from IRA accounts without an early
withdrawal penalty. Ask your First National Bank Bemidji Banker for more
information or call 218-333-4340.
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Health Savings
Accounts |
MINIMUM BALANCE
|
Interest Rate
|
APY Annual
Percentage Yield
|
|
Less than $2,500 |
.25% |
.25% |
|
$2,500 - $4,999.99 |
1.00% |
1.00% |
|
$5,000 - $24,999 |
1.75% |
1.76% |
| $25,000
and more |
2.00% |
2.01% |
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$100 Minimum Deposit required to open
a Health Savings Account
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Unlimited
Check writing
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No
per check charge
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Checks
are safekept - (not returned in your statement)
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Statements
issued monthly
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Certificates of Deposit |
Term
|
MIN
|
$0 - 9,999
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$10,000-24,999
|
$25,000-100,000
|
Interest Rate
|
APY- Annual Percentage Yield
|
Interest Rate
|
APY- Annual Percentage Yield
|
Interest Rate
|
APY- Annual Percentage Yield
|
| 91 Day |
$1,000 |
1.75% |
1.76% |
2.00% |
2.02% |
2.25% |
2.27% |
| 182 Day |
$1,000 |
2.00% |
2.01% |
2.25% |
2.26% |
2.50% |
2.52% |
| 1 year |
$500 |
2.15% |
2.17% |
2.40% |
2.42% |
2.65% |
2.67% |
| 18 month |
$500 |
2.40% |
2.42% |
2.65% |
2.67% |
2.90% |
2.93% |
| 2 year |
$500 |
2.50% |
2.52% |
2.75% |
2.78% |
3.00% |
3.03% |
| 30 month |
$500 |
2.55% |
2.57% |
2.80% |
2.83% |
3.05% |
3.08% |
| 3 year |
$500 |
2.70% |
2.73% |
2.95% |
2.98% |
3.20% |
3.24% |
| One-Up (4
year) |
$1,000 |
2.65% |
2.68% |
2.90% |
2.93% |
3.20% |
3.24% |
| 4
year |
$1,000 |
2.75% |
2.78% |
3.00% |
3.03% |
3.25% |
3.29% |
| 5
year |
$1,000 |
2.80% |
2.83% |
3.05% |
3.08% |
3.30% |
3.34% |
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MIN - Minimum deposit to open
account and to obtain disclosed annual percentage yield.
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APY - Annual Percentage Yield
based on the following Compounding Frequencies:
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Early withdrawal penalties may apply.
Deposit Rates valid 07/23/08 thru 07/29/08
Please refer to your deposit
account disclosure for terms and conditions
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