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Certificates of Deposit2 |
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Receive the Over $20,000 rate if your First National Bank of Muscatine CDs total over $20,000. |
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| Total $500 - $19,999 |
Total $20,000 or More |
Maximum APY with Relationship Bonus3 |
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Term |
APY | RATE |
APY |
RATE |
APY |
RATE |
| 90 Days | 1.80% | 1.79% | 2.01% | 1.99% | 2.26% | 2.24% | |||
| 6 Months |
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1.90% | 1.89% | 2.10% | 2.09% | 2.35% | 2.34% | ||
| 12 Months | 2.10% | 2.08% | 2.30% | 2.28% | 2.55% | 2.53% | |||
| 18 Months | 2.20% | 2.18% | 2.40% | 2.38% | 2.65% | 2.62% | |||
| 24 Months | 2.35% | 2.33% | 2.55% | 2.53% | 2.80% | 2.77% | |||
| 30 Months | 2.45% | 2.43% | 2.65% | 2.62% | 2.90% | 2.87% | |||
| 48 Months | 2.90% | 2.87% | 3.10% | 3.06% | 3.35% | 3.31% | |||
| 60 Months | 3.10% | 3.06% | 3.30% | 3.26% | 3.55% | 3.50% |
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Money Market and Checking Accounts |
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Premier Money Market4 |
APY | RATE |
Money Market4 |
APY | RATE |
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$250,000 and over |
2.00% |
1.98% |
$100,000 and over |
1.65% | 1.64% | |||||
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$100,000 - $249,999 |
1.80% |
1.79% |
$50,000 - $99,999 |
1.50% | 1.49% | |||||
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$50,000 - $99,999 |
1.65% |
1.64% |
$25,000 - $49,999 |
1.25% | 1.24% | |||||
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$25,000 - $49,999 |
1.50% | 1.49% |
Less than $25,000 |
.50% | .50% | |||||
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$10,000 - $24,999 |
1.25% | 1.24% | ||||||||
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Less than $10,000 |
.50% | .50% |
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APY | RATE |
| Free Checking with Interest5 | 0.65% | 0.64% | ||
| APY | Rate | |||
| NOW Checking6 | ||||
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$25,000 and Over |
0.75% | 0.75% | ||
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Less than $25,000 |
0.50% | 0.50% | ||
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Savings Accounts and IRAs |
| APY | RATE | APY | RATE |
| Savings Account7 | 0.50% | 0.50% | Youth Savings Account7 | 0.50% | 0.50% | ||
| Christmas Club8 | 1.00% | 1.00% | |||||
| Education AccountA | 2.60% | 2.57% | Health Savings AccountB | 1.50% | 1.49% | ||
| Roth IRA Investment AccountB | 1.50% | 1.49% | Traditional IRA AccountB | 1.50% | 1.49% |
1-E-NOW Checking Account minimum to open $200. To obtain the stated APY, you must have 15 signature-based VISA Check Card transactions per statement cycle, or the APY will be .50% the next statement cycle. A valid email address and electronic statements are required to obtain this account.
2-An early withdrawal penalty may be imposed. Earned interest may be credited to the certificate, transferred to another account, or paid by check. Yields are based on quarterly compounding with the exception of the 6 month CD. 6 month yield based on semi-annual compounding. Minimum $500 deposit unless stated otherwise.
3-Relationship Bonus is calculated by adding 0.10% to the APY for a First National Bank checking account; 0.10% for a First National Bank of Muscatine savings or money market account; .05% to the APY for a home loan or personal loan. APY listed calculated from $20,000 and over APY + maximum relationship bonus. Relationship Bonus does not apply to Specials/Featured Products.
4-Money Market minimum to open $50. Premier Money Market minimum to open $10,000. Fees could reduce earnings.
5-Free Checking with Interest minimum to open $200. Minimum average daily balance of $2,000 to earn interest.
6-NOW Checking minimum to open $50. Fees could reduce earnings.
7-Savings Account minimum to open $100. Minimum average daily balance to earn interest $100. Youth Savings Account minimum to open $10. Fees could reduce earnings.
8-Christmas Savings Club minimum to open $10. Interest paid at maturity. Loss of accrued interest if closed prior to maturity. Maturity is October 24th each year. Term varies based on opening date.
A-Education Account minimum to open $100. The rate may change after the account is opened. Maturity is child's 18th birthday. Term varies based on opening date. Yields based on quarterly compounding.
B-Health Savings Account and IRA Accounts minimum to open $100. Interest compounded monthly. Contribution limits are according to your income.
For all accounts other than a Certificates of Deposit: Yields based on monthly compounding unless otherwise noted. The rate may change after the account is opened.
APY= Annual Percentage Yield
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| © 2005-2006 First National Bank of Muscatine. All rights reserved. |