Rates
See below our current rates for savings and checking accounts, CDs and individual retirement accounts (IRAs).
Deposit Rates Valid 3/27/2024 – 4/4/2024
See below our current rates for savings and checking accounts, CDs and individual retirement accounts (IRAs).
Deposit Rates Valid 3/27/2024 – 4/4/2024
Account | Minimum Balance | Rate | APY |
---|---|---|---|
First Plus Checking | $800 | 0.80% | 0.80% |
Statement Savings | $200 | 0.90% | 0.90% |
Young Investors Savings | -0- | 0.90% | 0.90% |
Thrift Savings | $50 | 0.80% | 0.80% |
First Insured Money Market | Less than $1,000 | 1.45% | 1.46% |
$1,000-$9,999.99 | 1.50% | 1.51% | |
$10,000-$24,999.99 | 1.52% | 1.53% | |
$25,000-$249,999.99 | 1.70% | 1.71% | |
$250,000 and over | 1.75% | 1.76% | |
Health Savings Accounts | $0-$4,999.99 | 1.65% | 1.66% |
$5,000-$14,999.99 | 1.70% | 1.71% | |
$15,000-$24,999.99 | 1.75% | 1.76% | |
$25,000-$49,999.99 | 1.80% | 1.81% | |
$50,000.00 and over | 1.85% | 1.87% |
Term | Balance | Minimum Deposit | Rate | APY |
---|---|---|---|---|
91 Days | $1000-$24,999.99 | $1,000 | 4.76% | 4.85% |
$25,000 and over | $25,000 | 4.96% | 5.05% | |
182 Days | $1000-$24,999.99 | $1,000 | 4.74% | 4.80% |
$25,000 and over | $25,000 | 4.94% | 5.00% | |
1 Year | $500-$24,999.99 | $500 | 4.47% | 4.55% |
$25,000 and over | $25,000 | 4.66% | 4.74% | |
18 Months | $500-$24,999.99 | $500 | 4.47% | 4.55% |
$25,000 and over | $25,000 | 4.66% | 4.74% | |
One-Up (2 Yr) | $500-$24,999.99 | $500 | 4.22% | 4.29% |
$25,000 and over | $25,000 | 4.42% | 4.50% | |
2 Year | $500-$24,999.99 | $500 | 4.22% | 4.29% |
$25,000 and over | $25,000 | 4.42% | 4.50% | |
30 Month | $500-$24,999.99 | $500 | 4.02% | 4.08% |
$25,000 and over | $25,000 | 4.22% | 4.29% | |
3 Year | $500-$24,999.99 | $500 | 3.98% | 4.04% |
$25,000 and over | $25,000 | 4.17% | 4.24% | |
One-Up (4 Yr) | $1000-$24,999.99 | $1,000 | 3.95% | 4.01% |
$25,000 and over | $25,000 | 4.14% | 4.20% | |
4 Year | $1000-$24,999.99 | $1,000 | 3.92% | 3.98% |
$25,000 and over | $25,000 | 4.11% | 4.17% | |
5 Year | $1000-$24,999.99 | $1,000 | 3.90% | 3.96% |
$25,000 and over | $25,000 | 4.09% | 4.15% |
IRA Accounts | Minimum | Term | Rate | APY |
---|---|---|---|---|
Variable Rate | $100 | 18 Months | 3.55% | 3.61% |
IRA Fixed | $1,000 | 18 Months | 4.67% | 4.77% |
IRA Fixed | $10,000 | 18 Months | 4.67% | 4.77% |
First National Bank Bemidji IRA account holders age 59 ½ or older may request an IRA rate change once every twelve months without penalty. You may also withdraw from your IRA at anytime without an early withdrawal penalty. See a Deposit Services and Investments Representative for more details or request the “Important Information About Your Account” brochure.
APY — Annual Percentage Yield
Rate — Interest Rate
Min — Minimum deposit to open an account and obtain disclosed annual percentage yield
$50 minimum deposit required to open Thrift Savings. $100 minimum deposit required to open statement savings, money market savings, checking accounts and health savings accounts.
Indicated on First Plus Checking, Statement Savings is the minimum required to avoid a service charge. No minimum required to earn interest. The minimum balance to avoid a service charge on a First Insured Money Market Account is $1,000.
Rate may change after the account is opened on the following:
First Plus Checking/Statement Savings/Young Investors Savings/Thrift Savings/Money Market Savings/Variable Rate IRA Account/Health Savings Account
Maturity:
Quarterly:
Monthly:
Semi-Annually:
Early withdrawal penalties may apply to fixed term investments.
Early withdrawal penalties or fees may reduce earnings.
Member FDIC
Find a checking or savings account that fits your lifestyle then get started.