What are the current interest rates at First National Bank Ames, Iowa?

Current rates for First National Bank Ames, Iowa include: 12-Month CD: 2.12%, 18-Month CD: 3.34%, 24-Month CD: 1.96%, 36-Month CD: 2.32%, 48-Month CD: 2.42%, 60-Month CD: 2.52%, Savings: 2.02%

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First National Bank Ames, Iowa

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First National Bank Ames, Iowa Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank Ames, Iowa provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

First National Bank Ames, Iowa's top rates as of October 7, 2026 are 3.60% APY on its 18-Month CD, 2.02% APY on savings, 0.15% APY on checking, and auto loans from 9.04% APR, according to rates verified by MonitorBankRates. Other First National Bank Ames, Iowa CD rates include 9-Month CD at 3.55%, 3-Month CD at 3.44%, and 18-Month CD at 3.34%. MonitorBankRates evaluates the financial stability of First National Bank Ames, Iowa with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.87%. Rates last updated and verified on 10/07/2026.

First National Bank Ames, Iowa money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First National Bank Ames, Iowa? Share your experience about First National Bank Ames, Iowa by leaving a review below, or read customer reviews before you decide to use First National Bank Ames, Iowa.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.87%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

First National Bank, Ames, Iowa

405 5th St
Ames, IA 50010

https://www.fnb247.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

First National Bank Ames, Iowa CD Rates

Product	Rate	APY	Term
18 Month CD	3.55%	3.60%	18 Month
Min Deposit $25,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
9 Month CD	3.50%	3.55%	9 Month
Min Deposit $25,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
3 Month CD	3.40%	3.44%	3 Month
Min Deposit $25,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.44% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
18 Month CD	3.30%	3.34%	18 Month
Min Deposit $10,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.34% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
9 Month CD	3.25%	3.29%	9 Month
Min Deposit $10,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.29% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
3 Month CD	3.15%	3.19%	3 Month
Min Deposit $10,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.19% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
49 - 60 Month Standard Term CDs	2.70%	2.73%	49-60 Months
Min Balance $25,000 Details Minimum Balance: $25,000 Minimum; Balance: $25,000 and over Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.73% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
37 - 48 Month Standard Term CDs	2.60%	2.63%	37-48 Months
Min Balance $25,000 Details Minimum Balance: $25,000 Minimum; Balance: $25,000 and over Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.63% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
49 - 60 Month Standard Term CDs	2.60%	2.63%	49-60 Months
Min Balance $10,000 Details Minimum Balance: $10,000 Minimum; Balance: $10,000 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.63% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
25 - 36 Month Standard Term CDs	2.50%	2.52%	25-36 Months
Min Balance $25,000 Details Minimum Balance: $25,000 Minimum; Balance: $25,000 and over Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.52% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
37 - 48 Month Standard Term CDs	2.50%	2.52%	37-48 Months
Min Balance $10,000 Details Minimum Balance: $10,000 Minimum; Balance: $10,000 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.52% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
49 - 60 Month Standard Term CDs	2.50%	2.52%	49-60 Months
Min Balance $1,000 Details Minimum Balance: $1,000 Minimum; Balance: $1,000 Minimum - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.52% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
13 - 24 Month Standard Term CDs	2.40%	2.42%	13-24 Months
Min Balance $25,000 Details Minimum Balance: $25,000 Minimum; Balance: $25,000 and over Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.42% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
25 - 36 Month Standard Term CDs	2.40%	2.42%	25-36 Months
Min Balance $10,000 Details Minimum Balance: $10,000 Minimum; Balance: $10,000 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.42% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
37 - 48 Month Standard Term CDs	2.40%	2.42%	37-48 Months
Min Balance $1,000 Details Minimum Balance: $1,000 Minimum; Balance: $1,000 Minimum - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.42% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Add it Up CD - 24 month	2.40%	2.42%	24 Months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 Minimum Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 2.32% → 2.42% ▲ 0.10 pts · high 2.42% / low 2.32% Sep 24, 20262.42%▲ from 2.32% Sep 19, 20262.32%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
13 - 24 Month Standard Term CDs	2.30%	2.32%	13-24 Months
Min Balance $10,000 Details Minimum Balance: $10,000 Minimum; Balance: $10,000 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.32% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
25 - 36 Month Standard Term CDs	2.30%	2.32%	25-36 Months
Min Balance $1,000 Details Minimum Balance: $1,000 Minimum; Balance: $1,000 Minimum - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.32% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
3 - 5 Month Standard Term CDs	2.30%	2.32%	3-5 Months
Min Balance $25,000 Details Minimum Balance: $25,000 Minimum; Balance: $25,000 and over Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.32% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
6 - 12 Month Standard Term CDs	2.30%	2.32%	6-12 Months
Min Balance $25,000 Details Minimum Balance: $25,000 Minimum; Balance: $25,000 and over Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.32% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Add it Up CD - 24 month	2.30%	2.32%	24 Months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 Minimum Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.32% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
13 - 24 Month Standard Term CDs	2.20%	2.22%	13-24 Months
Min Balance $1,000 Details Minimum Balance: $1,000 Minimum; Balance: $1,000 Minimum - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.22% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
3 - 5 Month Standard Term CDs	2.20%	2.22%	3-5 Months
Min Balance $10,000 Details Minimum Balance: $10,000 Minimum; Balance: $10,000 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.22% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
6 - 12 Month Standard Term CDs	2.20%	2.22%	6-12 Months
Min Balance $10,000 Details Minimum Balance: $10,000 Minimum; Balance: $10,000 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.22% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Add it Up CD - 24 month	2.20%	2.22%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 Minimum Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.22% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
3 - 5 Month Standard Term CDs	2.10%	2.12%	3-5 Months
Min Balance $1,000 Details Minimum Balance: $1,000 Minimum; Balance: $1,000 Minimum - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.12% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
6 - 12 Month Standard Term CDs	2.10%	2.12%	6-12 Months
Min Balance $1,000 Details Minimum Balance: $1,000 Minimum; Balance: $1,000 Minimum - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.12% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Add it Up CD - 24 month	1.95%	1.96%	24 Months
Min Deposit $100 Min Balance $100 Details Balance: $100 Minimum Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.96% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%

First National Bank Ames, Iowa Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	2.00%	2.02%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Individual Retirement Account (IRA) Savings	2.00%	2.02%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Individual Retirement Account (IRA) Savings	1.85%	1.86%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000-$99,999 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.86% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Individual Retirement Account (IRA) Savings	1.75%	1.76%
Min Deposit $0 Min Balance $0 Details Balance: $0.01-$24,999 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.76% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Health Savings Account (HSA)	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Health Savings Account (HSA)	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000-$49,999 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Health Savings Account (HSA)	0.10%	0.10%
Min Balance $0 Details Balance: $0.01-$4,999 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%

First National Bank Ames, Iowa Business Savings Rates

Product	Rate	APY
Money Market Savings (Commercial & Consumer Accounts)	0.90%	0.90%
Min Balance $250,000 Details Balance: Minimum $250,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Money Market Savings (Commercial & Consumer Accounts)	0.75%	0.75%
Min Balance $100,000 Details Balance: Minimum $100,000-249,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Money Market Savings (Commercial & Consumer Accounts)	0.65%	0.65%
Min Balance $25,000 Details Balance: Minimum $25,000-$99,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Money Market Savings (Commercial & Consumer Accounts)	0.55%	0.55%
Min Balance $0 Details Balance: Minimum $0.01-$24,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Savings (Standard Savings, Commercial Savings, Kids First Savings, and Celebration Savings)	0.15%	0.15%
Min Balance $0 Details Balance: Minimum $0.01+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%

First National Bank Ames, Iowa Business Money Market Rates

Product	Rate	APY
Money Market Savings (Commercial & Consumer Accounts)	0.90%	0.90%
Min Balance $250,000 Details Balance: Minimum $250,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Money Market Savings (Commercial & Consumer Accounts)	0.75%	0.75%
Min Balance $100,000 Details Balance: Minimum $100,000-249,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Money Market Savings (Commercial & Consumer Accounts)	0.65%	0.65%
Min Balance $25,000 Details Balance: Minimum $25,000-$99,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Money Market Savings (Commercial & Consumer Accounts)	0.55%	0.55%
Min Balance $0 Details Balance: Minimum $0.01-$24,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%

First National Bank Ames, Iowa Checking Rates

Product	Rate	APY
Premier Checking	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Premier Checking	0.10%	0.12%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.12% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Premier Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000-$49,999 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Premier Checking	0.02%	0.02%
Min Balance $0 Details Balance: $0.01-9,999 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%

First National Bank Ames, Iowa Business Checking Rates

Product	Rate	APY	View More
Commercial Checking with Interest	0.05%	0.05%
Min Balance $0 Details Balance: $0.01 + Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%

First National Bank Ames, Iowa Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	9.04%	36 Months
Details As Low As; Special APR: 6.72% Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 8.29% → 9.04% ▲ 0.75 pts · high 9.04% / low 8.29% Oct 2, 20269.04%▲ from 8.54% Sep 24, 20268.54%▲ from 8.29% Sep 15, 20268.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan	-	-	9.07%	24 Months
Details As Low As; Special APR: 6.71% Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 8.32% → 9.07% ▲ 0.75 pts · high 9.07% / low 8.32% Oct 2, 20269.07%▲ from 8.57% Sep 24, 20268.57%▲ from 8.32% Sep 15, 20268.32%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan	-	-	9.22%	48 Months
Details As Low As; Special APR: 6.81% Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 8.47% → 9.22% ▲ 0.75 pts · high 9.22% / low 8.47% Oct 2, 20269.22%▲ from 8.72% Sep 24, 20268.72%▲ from 8.47% Sep 15, 20268.47%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan	-	-	9.34%	12 Months
Details As Low As; Special APR: 6.93% Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 8.59% → 9.34% ▲ 0.75 pts · high 9.34% / low 8.59% Oct 2, 20269.34%▲ from 8.84% Sep 24, 20268.84%▲ from 8.59% Sep 15, 20268.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan	-	-	9.43%	60 Months
Details As Low As; Special APR: 6.92% Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 8.68% → 9.43% ▲ 0.75 pts · high 9.43% / low 8.68% Oct 2, 20269.43%▲ from 8.93% Sep 24, 20268.93%▲ from 8.68% Sep 15, 20268.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan	-	-	9.84%	36 Months
Details As Low As Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 8.29% → 9.84% ▲ 1.55 pts · high 9.84% / low 8.29% Sep 24, 20269.84%▲ from 8.29% Sep 15, 20268.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan	-	-	9.87%	24 Months
Details As Low As Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 8.32% → 9.87% ▲ 1.55 pts · high 9.87% / low 8.32% Sep 24, 20269.87%▲ from 8.32% Sep 15, 20268.32%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan	-	-	10.02%	48 Months
Details As Low As Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 8.47% → 10.02% ▲ 1.55 pts · high 10.02% / low 8.47% Sep 24, 202610.02%▲ from 8.47% Sep 15, 20268.47%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan	-	-	10.15%	12 Months
Details As Low As Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 8.59% → 10.15% ▲ 1.56 pts · high 10.15% / low 8.59% Sep 24, 202610.15%▲ from 8.59% Sep 15, 20268.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan	-	-	10.23%	60 Months
Details As Low As Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 8.68% → 10.23% ▲ 1.55 pts · high 10.23% / low 8.68% Sep 24, 202610.23%▲ from 8.68% Sep 15, 20268.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%

First National Bank Ames, Iowa Other Rates

Product	Rate	Points	APY/APR
Interest Rewards Base Rate	0.02%	-	0.02%
Min Balance $0 Details Did Not Meet Qualifications; Balance: $0.01 + Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Interest Rewards Market Rate	0.05%	-	0.05%
Min Balance $15,000 Details Balance: $15,000 + Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Interest Rewards Special Rate	4.00%	-	4.06%
Min Balance $0 Details Qualifications Required; Balance: $0.01-$15,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.06% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First National Bank Ames, Iowa’s Texas Ratio fell from 15.05% in Q3 2023 to 8.87% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.7 to 5.0 and its Health Grade from B+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	8.87%	5.0	A
March 31, 2026	$1.1B	9.25%	5.0	A
December 31, 2025	$1.1B	9.33%	5.0	A
September 30, 2025	$1.1B	13.41%	5.0	A
June 30, 2025	$1.1B	11.32%	5.0	A
March 31, 2025	$1.1B	13.24%	5.0	A
December 31, 2024	$1.1B	12.49%	5.0	A
September 30, 2024	$1.1B	13.58%	5.0	A
June 30, 2024	$1.1B	11.57%	5.0	A
March 31, 2024	$1.1B	11.94%	5.0	A
December 31, 2023	$1.1B	12.10%	5.0	A
September 30, 2023	$1.1B	15.05%	4.7	B+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First National Bank Ames, Iowa is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First National Bank Ames, Iowa rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First National Bank Ames, Iowa's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank Ames, Iowa

Bank Holding Company AMES NATIONAL CORP

Address 405 5th St, Ames, IA 50010 · Story

Website https://www.fnb247.com

FDIC Certificate # 1545

Established 19030522

FDIC Insurance Date 19340101

Domestic Offices 10

Total Branches 10

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

8.87%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2320%

Return on Equity (ROE) 13.0600%

Non-Performing Loans (NPL) 0.84%

Total Assets $1,111,663,000

Total Deposits $955,576,000

Equity Capital $104,942,000

Net Income $6,802,000

Headquarters Ames

Total Branches and Offices 10

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First National Bank Ames, Iowa earned the Verified Healthy badge

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Frequently Asked Questions About First National Bank Ames, Iowa

How many branches does First National Bank Ames, Iowa operate?

First National Bank Ames, Iowa currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First National Bank Ames, Iowa does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank Ames, Iowa provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank Ames, Iowa offer online and mobile banking?

Most modern institutions like First National Bank Ames, Iowa provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fnb247.com.

Current First National Bank Ames, Iowa Rates

12-Month CD2.12%
18-Month CD3.34%
24-Month CD1.96%
36-Month CD2.32%
48-Month CD2.42%
60-Month CD2.52%
Savings2.02%

Retrieved from our database of financial products. Rates subject to change.

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First National Bank Ames, Iowa Rates & Review October 2026

Brian McKay

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Financial Health & Assets

First National Bank Ames, Iowa earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First National Bank Ames, Iowa

How many branches does First National Bank Ames, Iowa operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First National Bank Ames, Iowa offer online and mobile banking?

Current First National Bank Ames, Iowa Rates

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