First National Bank of Waterloo rates: up to 3.96% APY
bank · FDIC CERT 3842 · www.fnbwaterloo.bank/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| FNB First Savings | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Health Savings Account | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 3 Months | 2.98% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6 Months | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 Months | 3.91% | APY | 2026-11-01 | since 2026-11-01 | |
| 15-Month CD | 15 Months | 1.26% | APY | 2026-11-01 | since 2026-11-01 | |
| 17-Month CD | 17 Months | 3.29% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 Months | 3.96% | APY | 2026-11-01 | since 2026-11-01 | |
| 33-Month CD | 33 Months | 3.24% | APY | 2026-11-01 | since 2026-11-01 | |
| 34-Month CD | 34 Months | 2.78% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 Months | 3.39% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 Months | 3.34% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 Months | 3.29% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Account | FNB Non-Personal Check Plus | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $0 - $1,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $0 - $49,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $0 - $9,999.99 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $2,000.00 - $9,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $10,000.00 - $24,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $25,000.00 - $49,999.99 | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $25,000.00 - $74,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $50,000.00 - $99,999.99 | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $50,000+ | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $75,000 + | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $100,000 + | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Christmas Club | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Vacation Club | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.fnbwaterloo.bank/personal/current-rates/ | 2026-11-01 23:23 UTC | ok | e5e961ba229f |
| www.fnbwaterloo.bank/personal/current-rates/fwb_logo_2c/ | — | extract-failed | |
| www.fnbwaterloo.bank/ico_current-rates/ | — | extract-failed |