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First National Bank Ames, Iowa

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First National Bank Ames, Iowa Rates & Review November 2026

Q: 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: 3.65%, 24-Month CD: 1.96%, 36-Month CD: 2.32%, 48-Month CD: 2.42%, 60-Month CD: 2.52%, Savings: 2.02%

Q: What CD terms does First National Bank Ames, Iowa offer?

First National Bank Ames, Iowa CD rates are 2.12% APY for a 12 month CD, 3.65% APY for an 18 month CD, 2.42% APY for a 2 year CD, 2.52% APY for a 3 year CD, 2.63% APY for a 4 year CD and 2.73% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First National Bank Ames, Iowa for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

First National Bank Ames, Iowa's 49-60-Months 49 - 60-Month Standard Term CDs rates are at 2.73%, 37-48-Months 37 - 48-Month Standard Term CDs rates are at 2.63%, 25-36-Months 25 - 36-Month Standard Term CDs rates are at 2.52%, 13-24-Months 13 - 24-Month Standard Term CDs rates are at 2.42%, 24-Month Add it Up CD rates are at 2.42%. First National Bank Ames, Iowa's savings rates are at 2.02%. First National Bank Ames, Iowa's checking rates are as high as 0.15%. First National Bank Ames, Iowa's Auto Loan Rates are as low as 6.20%. First National Bank Ames, Iowa's top CD rate of 3.91% APY on an 18 month CD is 33% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A health rating. 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 11/05/2026.

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 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	Min. Deposit
Special Term CDs - 18-Month CD	3.85%	3.91%	18 Months	$25,000
Min Deposit $25,000 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.60% → 3.91% ▲ 0.31 pts · high 3.91% / low 3.60% Oct 20, 20263.91%▲ from 3.60% Oct 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Special Term CDs - 18-Month CD	3.60%	3.65%	18 Months	$10,000
Min Deposit $10,000 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.34% → 3.65% ▲ 0.31 pts · high 3.65% / low 3.34% Oct 20, 20263.65%▲ from 3.34% Oct 14, 20263.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Special Term CDs - 9-Month CD	3.60%	3.65%	9 Months	$25,000
Min Deposit $25,000 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55% Oct 20, 20263.65%▲ from 3.55% Oct 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Special Term CDs - 3-Month CD	3.40%	3.44%	3 Months	$25,000
Min Deposit $25,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.44% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Special Term CDs - 9-Month CD	3.35%	3.39%	9 Months	$10,000
Min Deposit $10,000 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.29% → 3.39% ▲ 0.10 pts · high 3.39% / low 3.29% Oct 20, 20263.39%▲ from 3.29% Oct 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Special Term CDs - 3-Month CD	3.15%	3.19%	3 Months	$10,000
Min Deposit $10,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.73% APY · checked 14 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.63% APY · checked 14 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.63% APY · checked 14 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.52% APY · checked 14 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.52% APY · checked 14 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.52% APY · checked 14 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.42% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
24-Month Add it Up CD	2.40%	2.42%	24 Months	-
Min Balance $10,000 Details Balance: $10,000 Minimum; second $10,000 Minimum column as printed on page Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 2.32% → 2.42% ▲ 0.10 pts · high 2.42% / low 2.32% Oct 20, 20262.42%▲ from 2.32% Sep 19, 20262.32%first recorded 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.42% APY · checked 14 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.42% APY · checked 14 times 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.32% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
24-Month Add it Up CD	2.30%	2.32%	24 Months	-
Min Balance $10,000 Details Balance: $10,000 Minimum Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.32% APY · checked 11 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.32% APY · checked 14 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.32% APY · checked 14 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.32% APY · checked 14 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.22% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
24-Month Add it Up CD	2.20%	2.22%	24 Months	-
Min Balance $1,000 Details Balance: $1,000 Minimum Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.22% APY · checked 11 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.22% APY · checked 14 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.22% APY · checked 14 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.12% APY · checked 14 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 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.12% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
24-Month Add it Up CD	1.95%	1.96%	24 Months	-
Min Balance $100 Details Balance: $100 Minimum Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.96% APY · checked 11 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 11/05/2026 Rate History No change since Sep 24, 2026 · 2.02% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Individual Retirement Account (IRA) Savings	2.00%	2.02%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.02% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Individual Retirement Account (IRA) Savings	1.85%	1.86%
Min Balance $25,000 Details Balance: $25,000-$99,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.86% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Individual Retirement Account (IRA) Savings	1.75%	1.76%
Min Balance $0 Details Balance: $0.01-$24,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.76% APY · checked 14 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 11/05/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 13 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 11/05/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 13 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 11/05/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 13 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: $250,000 + Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.90% APY · checked 10 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: $100,000-249,999 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 10 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: $25,000-$99,999 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.65% APY · checked 10 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: $0.01-$24,999 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.55% APY · checked 10 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: $0.01+ Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 10 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: $250,000 + Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.90% APY · checked 10 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: $100,000-249,999 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 10 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: $25,000-$99,999 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.65% APY · checked 10 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: $0.01-$24,999 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.55% APY · checked 10 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Premier Checking	0.12%	0.12%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.12% APY · checked 13 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 11/05/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 13 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 11/05/2026 Rate History No change since Sep 24, 2026 · 0.02% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 14 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 - Special	-	-	6.20%	Term 24 Months
Details As Low As; Special APR; Model Years: 2023 and Newer; Includes discount for automatic payment from a First National Bank deposit account with direct deposit; discount lost if qualifications not maintained; Minimum down payment 10% Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.20% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - Special	-	-	6.22%	Term 36 Months
Details As Low As; Special APR; Model Years: 2023 and Newer; Includes discount for automatic payment from a First National Bank deposit account with direct deposit; discount lost if qualifications not maintained; Minimum down payment 10% Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.22% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - Special	-	-	6.31%	Term 48 Months
Details As Low As; Special APR; Model Years: 2023 and Newer; Includes discount for automatic payment from a First National Bank deposit account with direct deposit; discount lost if qualifications not maintained; Minimum down payment 10% Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.31% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - Special	-	-	6.42%	Term 60 Months
Details As Low As; Special APR; Model Years: 2023 and Newer; Includes discount for automatic payment from a First National Bank deposit account with direct deposit; discount lost if qualifications not maintained; Minimum down payment 10% Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.42% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - Special	-	-	6.43%	Term 12 Months
Details As Low As; Special APR; Model Years: 2023 and Newer; Includes discount for automatic payment from a First National Bank deposit account with direct deposit; discount lost if qualifications not maintained; Minimum down payment 10% Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.43% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2016-2022 Model Years - Special APR	-	-	6.71%	24 Months
Details As Low As; Special APR includes discount for automatic payment from a First National Bank deposit account with direct deposit and other minimum requirements; Minimum down payment 20% for 2016-2022 model years; Rates effective 9/21/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.71% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2016-2022 Model Years - Special APR	-	-	6.72%	36 Months
Details As Low As; Special APR includes discount for automatic payment from a First National Bank deposit account with direct deposit and other minimum requirements; Minimum down payment 20% for 2016-2022 model years; Rates effective 9/21/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.72% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2016-2022 Model Years - Special APR	-	-	6.81%	48 Months
Details As Low As; Special APR includes discount for automatic payment from a First National Bank deposit account with direct deposit and other minimum requirements; Minimum down payment 20% for 2016-2022 model years; Rates effective 9/21/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.81% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2016-2022 Model Years - Special APR	-	-	6.92%	60 Months
Details As Low As; Special APR includes discount for automatic payment from a First National Bank deposit account with direct deposit and other minimum requirements; Minimum down payment 20% for 2016-2022 model years; Rates effective 9/21/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.92% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2016-2022 Model Years - Special APR	-	-	6.93%	12 Months
Details As Low As; Special APR includes discount for automatic payment from a First National Bank deposit account with direct deposit and other minimum requirements; Minimum down payment 20% for 2016-2022 model years; Rates effective 9/21/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.93% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan	-	-	8.54%	Term 36 Months
Details As Low As; Model Years: 2023 and Newer; Minimum down payment 10% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 8.54% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan	-	-	8.57%	Term 24 Months
Details As Low As; Model Years: 2023 and Newer; Minimum down payment 10% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 8.57% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan	-	-	8.72%	Term 48 Months
Details As Low As; Model Years: 2023 and Newer; Minimum down payment 10% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 8.72% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan	-	-	8.84%	Term 12 Months
Details As Low As; Model Years: 2023 and Newer; Minimum down payment 10% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 8.84% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan	-	-	8.93%	Term 60 Months
Details As Low As; Model Years: 2023 and Newer; Minimum down payment 10% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 8.93% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2016-2022 Model Years	-	-	9.04%	36 Months
Details As Low As; Minimum down payment 20% for 2016-2022 model years; Rates effective 9/21/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 9.04% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2016-2022 Model Years	-	-	9.07%	24 Months
Details As Low As; Minimum down payment 20% for 2016-2022 model years; Rates effective 9/21/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 9.07% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2016-2022 Model Years	-	-	9.22%	48 Months
Details As Low As; Minimum down payment 20% for 2016-2022 model years; Rates effective 9/21/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 9.22% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2016-2022 Model Years	-	-	9.34%	12 Months
Details As Low As; Minimum down payment 20% for 2016-2022 model years; Rates effective 9/21/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 9.34% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2016-2022 Model Years	-	-	9.43%	60 Months
Details As Low As; Minimum down payment 20% for 2016-2022 model years; Rates effective 9/21/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 9.43% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2015 and Older Model Years	-	-	9.84%	36 Months
Details As Low As; Model Years: 2015 and Older; Minimum down payment 30% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 9.84% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2015 and Older Model Years	-	-	9.87%	24 Months
Details As Low As; Model Years: 2015 and Older; Minimum down payment 30% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 9.87% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2015 and Older Model Years	-	-	10.02%	48 Months
Details As Low As; Model Years: 2015 and Older; Minimum down payment 30% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 10.02% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2015 and Older Model Years	-	-	10.15%	12 Months
Details As Low As; Model Years: 2015 and Older; Minimum down payment 30% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 10.15% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%
Auto Loan - 2015 and Older Model Years	-	-	10.23%	60 Months
Details As Low As; Model Years: 2015 and Older; Minimum down payment 30% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 10.23% APR · checked 7 times 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	Term	View More
Interest Rewards Special Rate	4.00%	-	4.06%
Min Balance $0 Details Qualifications Required; Met Qualifications; Balance: $0.01-$15,000 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 4.06% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.87%

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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

Bank Name First National Bank Ames, Iowa

Website https://www.fnb247.com

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

Bank Holding Company AMES NATIONAL CORP

FDIC Certificate # 1545

Regulator OCC

Established May 22, 1903

FDIC Insurance Date January 1, 1934

Domestic Offices 10

Total Branches 10

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.87%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.2320%

Return on Equity (ROE)

13.0600%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

First National Bank Ames, Iowa earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About First National Bank Ames, Iowa

Does First National Bank Ames, Iowa offer CDs?

Yes. First National Bank Ames, Iowa current CD rates include its 49-60-Months 49 - 60-Month Standard Term CDs at 2.73% APY, its 37-48-Months 37 - 48-Month Standard Term CDs at 2.63% APY and its 25-36-Months 25 - 36-Month Standard Term CDs at 2.52% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from First National Bank Ames, Iowa FDIC insured?

Yes. First National Bank Ames, Iowa is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First National Bank Ames, Iowa?

The highest First National Bank Ames, Iowa CD rate is its Special Term CDs - 18-Month CD at 3.91% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does First National Bank Ames, Iowa offer?

First National Bank Ames, Iowa CD rates are 2.12% APY for a 12 month CD, 3.65% APY for an 18 month CD, 2.42% APY for a 2 year CD, 2.52% APY for a 3 year CD, 2.63% APY for a 4 year CD and 2.73% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First National Bank Ames, Iowa for its full lineup.

What is the highest savings rate at First National Bank Ames, Iowa?

The highest First National Bank Ames, Iowa savings rate is its Health Savings Account (HSA) at 2.02% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at First National Bank Ames, Iowa?

The highest First National Bank Ames, Iowa money market rate is its Money Market Savings (Commercial & Consumer Accounts) at 0.90% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at First National Bank Ames, Iowa?

The highest First National Bank Ames, Iowa checking rate is its Premier Checking at 0.15% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest auto loan rate at First National Bank Ames, Iowa?

The lowest First National Bank Ames, Iowa auto loan rate is its Auto Loan - Special at 6.20% APR, verified by MonitorBankRates as of November 5, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First National Bank Ames, Iowa rates compare?

First National Bank Ames, Iowa's top CD rate of 3.91% APY on an 18 month CD is 33% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A health rating. First National Bank Ames, Iowa's top rates are its 18-Months Special Term CDs - 18-Month CD at 3.91% APY, its Health Savings Account (HSA) at 2.02% APY, its Premier Checking at 0.15% APY and its Auto Loan - Special at 6.20% APR, verified by MonitorBankRates on November 5, 2026.

Current First National Bank Ames, Iowa Rates

12-Month CD2.12%
18-Month CD3.65%
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 November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First National Bank Ames, Iowa Texas Ratio

First National Bank Ames, Iowa Health Trend

First National Bank Ames, Iowa CD Rates

First National Bank Ames, Iowa Savings Rates

First National Bank Ames, Iowa Business Savings Rates

First National Bank Ames, Iowa Business Money Market Rates

First National Bank Ames, Iowa Checking Rates

First National Bank Ames, Iowa Business Checking Rates

First National Bank Ames, Iowa Auto Loan Rates

First National Bank Ames, Iowa Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

First National Bank Ames, Iowa earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First National Bank Ames, Iowa

Does First National Bank Ames, Iowa offer CDs?

Are CDs from First National Bank Ames, Iowa FDIC insured?

What is the highest CD rate at First National Bank Ames, Iowa?

What CD terms does First National Bank Ames, Iowa offer?

What is the highest savings rate at First National Bank Ames, Iowa?

What is the highest money market rate at First National Bank Ames, Iowa?

What is the highest checking rate at First National Bank Ames, Iowa?

What is the lowest auto loan rate at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First National Bank Ames, Iowa rates compare?

Current First National Bank Ames, Iowa Rates

Compare to Other Banks