First National Bank of Crystal Falls
First National Bank of Crystal Falls

Account Rates

Rates are accurate as of January 31, 2014 and subject to change before account opening. You may confirm the current rate by calling any of our Bank Locations.

Certificates of Deposit
Term Minimum Deposit Interest Rate Annual Percentage Yield
90-181 Day $1,000.00 .20% .20%
182-364 Day $1,000.00 .30% .30%
12-17 Month (1 yr) $1,000.00 .40% .40%
18-23 Month (1 1/2 yr) $1,000.00 .45% .45%
24-29 Month (2 yr) $1,000.00 .70% .70%
30-35 Month (2 1/2 yr) $1,000.00 .75% .75%
36-47 Month (3 yr) $1,000.00 .90% .90%
4-Year Non-Renewable $1,000.00 1.10% 1.10%
5-Year Non-Renewable $1,000.00 1.30% 1.31%

A penalty may be imposed for early withdrawal on all C.D.’s.

I.R.A. Certificates of Deposit – Monthly Compounding
Term Minimum
Deposit
Interest
Rate
Annual Percentage Yield
1-Year Variable Rate $100.00 .40% .40%
1-Year Fixed Rate $500.00 .50% .50%
182 Day Fixed Rate $500.00 .30% .30%
18 Month Fixed Rate $500.00 .45% .45%
24 Month Fixed Rate $500.00 .70% .70%
30 Month Fixed Rate $500.00 .75% .75%
60 Month Fixed Rate $500.00 1.30% 1.31%

The rate on the 1-Year Variable Rate may change at the banks discretion at any time.
A penalty may be imposed for early withdrawals on all I.R.A.’s.

Checking and Savings Accounts
Type of Account Interest Rate Annual Percentage Yield
Banclub Checking Account 0.05% 0.05%
NOW Checking Account 0.05% 0.05%
Statement Savings Account 0.15% 0.15%
Christmas Club 0.20% 0.20%
Municipalities Only – Super Now Account
Balance Interest Rate Annual Percentage Yield
$4,999.99-$24,999.00 .10% .10%
$25,000.00-$49,999.99 .15% .15%
$50,000.00 and OVER .25% .25%
Money Market Account
Balance Interest Rate Annual Percentage Yield
$1,000.00-$24,999.99 0.20% 0.20%
$25,000.00-$49,999.99 0.25% 0.25%
$50,000.00 and OVER 0.30% 0.30%

Checking, Savings and Money Market Accounts are variable-rate accounts.
At our discretion we may change the rate on these accounts.

For information about FDIC insurance coverage of transaction accounts: www.fdic.gov.


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