FNB of Waterloo CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 1.76%, 6-month CD rates at 0.50% and 3-month CD rates at 2.50%. Current savings rates are at 0.03% and money market rates are at 3.00%. Mortgage rates today on 30-year fixed loans are around 6.70%. Credit Card rates are at 13.74%. Personal Loan rates are at 9.00%. All these rates, and more, can be found in our database of rates. FNB of Waterloo's 12-Month CD rates are at 3.91%, 24-Month CD rates are at 3.75%, 36-Month CD rates are at 3.55%, 48-Month CD rates are at 3.44%, 60-Month CD rates are at 3.34%. FNB of Waterloo's savings rates are at 0.10%. FNB of Waterloo's money market rates are at 0.30%.

FNB of Waterloo

To see how these rates compare to FNB of Waterloo CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from FNB of Waterloo, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with FNB of Waterloo CD rates. You can also compare FNB of Waterloo savings rates, MMA rates and mortgage rates using our other rate lists.

FNB of Waterloo 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 FNB of Waterloo? Share your experience about FNB of Waterloo by leaving a review below, or read customer reviews before you decide to use FNB of Waterloo.

FNB of Waterloo Texas Ratio

FNB of Waterloo's Texas Ratio is at 2.89%, which is considered excellent. The Texas Ratio for FNB of Waterloo is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, FNB of Waterloo is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
3.91%
18-Month CD
N/A
24-Month CD
3.75%
36-Month CD
3.55%
48-Month CD
3.44%
60-Month CD
3.34%
Savings
0.10%
MMA
0.30%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
FNB of Waterloo
228 S Main St
Waterloo, IL 62298
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

FNB of Waterloo CD Rates and Interest Rates

Bank
Product
APY
Min Dep
FNB of Waterloo
FNB of Waterloo
12-Month CD
3.91%
$1,000
FNB of Waterloo
FNB of Waterloo
24-Month CD
3.75%
$1,000
FNB of Waterloo
FNB of Waterloo
36-Month CD
3.55%
$1,000
FNB of Waterloo
FNB of Waterloo
48-Month CD
3.44%
$1,000
FNB of Waterloo
FNB of Waterloo
60-Month CD
3.34%
$1,000
FNB of Waterloo
FNB of Waterloo
Premier Money Market
0.30%
$0
FNB of Waterloo
FNB of Waterloo
First Savings
0.10%
$50
FNB of Waterloo
FNB of Waterloo
Check Plus Checking
0.05%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare FNB of Waterloo Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Citizens Bank & Trust Company KY
Citizens Bank & Trust Company KY
36-Month CD
4.35%
$500
Inova Federal Credit Union
Inova Federal Credit Union
12-Month CD
4.10%
$200
First Bank of the Lake
First Bank of the Lake
60-Month CD
4.10%
$5,000
Prime Alliance Bank
Prime Alliance Bank
36-Month CD
4.00%
$500
My eBanc, a division of Bradesco Bank
My eBanc, a division of Bradesco Bank
eRelationship Savings
3.90%
$25,000
First Community Bank Beemer, NE
First Community Bank Beemer, NE
18-Month CD
3.85%
$10,000
Dearborn Federal Savings Bank
Dearborn Federal Savings Bank
36-Month CD
3.70%
$500
Communitywide Federal Credit Union
Communitywide Federal Credit Union
48-Month CD
3.60%
$1,000
Halstead Bank
Halstead Bank
12-Month CD
3.30%
$1,000
cfsbank
cfsbank
12-Month CD
3.28%
$1,000
Van Wert Federal Savings Bank
Van Wert Federal Savings Bank
24-Month CD
3.15%
$1,000
Addition Financial Credit Union
Addition Financial Credit Union
48-Month CD
3.09%
$1,000
Commerce Bank & Trust
Commerce Bank & Trust
36-Month CD
3.00%
$500
First Commerce Bank Lewisburg, TN
First Commerce Bank Lewisburg, TN
36-Month CD
3.00%
$1,000
TD Bank
TD Bank
18-Month CD
3.00%
$250
New Albin Savings Bank
New Albin Savings Bank
Money Market
2.89%
$2,500
Community Bank Bristow, OK
Community Bank Bristow, OK
12-Month CD
2.83%
$2,500
First Citizens State Bank
First Citizens State Bank
48-Month CD
2.80%
$1,000
Bank Northwest
Bank Northwest
24-Month CD
2.52%
$500
Mound City Bank
Mound City Bank
24-Month CD
2.48%
$2,500
802 Credit Union
802 Credit Union
Money Market
2.35%
$50,000
F&M Bank Miamisburg, OH
F&M Bank Miamisburg, OH
60-Month CD
2.30%
$1,000
First Bank Ketchikan, AK
First Bank Ketchikan, AK
24-Month CD
2.10%
$0
Profile Bank
Profile Bank
36-Month CD
2.02%
$500
First Security Bank Mackinaw, IL
First Security Bank Mackinaw, IL
60-Month CD
2.00%
$1,000
First Security Bank Mackinaw, IL
First Security Bank Mackinaw, IL
36-Month CD
2.00%
$1,000
Coastal Heritage Bank
Coastal Heritage Bank
60-Month CD
1.90%
$1,000
Cross River Bank
Cross River Bank
I Connect/E Connect Savings
1.75%
$0
Monroe Savings Bank
Monroe Savings Bank
24-Month CD
1.75%
$500
Carson Bank
Carson Bank
36-Month CD
1.71%
$500
Wolf River Community Bank
Wolf River Community Bank
24-Month CD
1.55%
$1,000
Jefferson Security Bank
Jefferson Security Bank
60-Month CD
1.51%
$500
Swedish-American State Bank
Swedish-American State Bank
12-Month CD
1.51%
$500
F&M Bank of Hutsonville
F&M Bank of Hutsonville
48-Month CD
1.51%
$500
Oxford Bank
Oxford Bank
Money Market
1.12%
$1,000
Port Richmond Savings
Port Richmond Savings
Passbook Savings
1.00%
$25
Greenfield Co-operative Bank
Greenfield Co-operative Bank
60-Month CD
0.90%
$500
Farmers State Bank (Marion, IA)
Farmers State Bank (Marion, IA)
12-Month CD
0.85%
$1,000
1st Bank Yuma
1st Bank Yuma
60-Month CD
0.65%
$1,000
Midland Federal S&L
Midland Federal S&L
12-Month CD
0.50%
$1,000
BAC Community Bank
BAC Community Bank
Diamond Savings
0.50%
$25
PCSB Bank
PCSB Bank
60-Month CD
0.45%
$500
GCSB Swayzee, IN
GCSB Swayzee, IN
Golden Savings
0.25%
$25
Thayer County Bank
Thayer County Bank
Future Savings
0.24%
$2,500
American State Bank of Grygla
American State Bank of Grygla
NOW Checking
0.15%
$500
Merrimack County SB
Merrimack County SB
Everyday Savings
0.10%
$100
Central Bank of Kansas City
Central Bank of Kansas City
Premier Checking
0.05%
$1,000
Chelsea Groton Bank
Chelsea Groton Bank
3-Month CD
0.05%
$500
JTNB
JTNB
Money Market
0.05%
$2,500
Fifth Third Bank, N.A.
Fifth Third Bank, N.A.
Money Market
0.01%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates May 23, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5-Year ARM Jumbo
5.250%
4.753%
0.000
5.560%
5.250%
0.000
15-Year Fixed
5.250%
5.385%
0.750
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
4.750%
5.507%
0.000
5.375%
5.507%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.375%
5.563%
0.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.375%
5.633%
0.000
15-Year Fixed Jumbo
5.625%
5.651%
0.000
5.500%
5.654%
0.000
5.375%
5.677%
1.125
15-Year Fixed
5.625%
5.681%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

FNB of Waterloo Information

FNB of Waterloo
228 S Main St
Waterloo, IL 62298
Monroe
Established Date: 06/12/1912
FDIC Certificate #: 3842
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: FIRST WATERLOO BANCSHARES INC
How Many Domestic U.S. Offices? 16
How Many Branches are There? 16
Is FNB of Waterloo FDIC Insured? Yes
What is FNB of Waterloo's Cert number? 3842
What is the maximum amount for insured deposits? $250,000 per holder, per account

FNB of Waterloo Financials

Total Assets:
$933,651,000
Total Deposits:
$771,694,000
Equity Capital:
$79,269,000
Domestic Deposits:
$771,694,000
Net Income:
$832,000
Return on Assets:
0.3981%
Quarterly Return on Assets:
0.3600%
Pretax Return on Assets:
0.4130%
Pretax Quarterly Return on Assets:
0.4100%
Return on Equity:
4.9700%
Quarterly Return on Equity:
4.1700%
Common Equity Tier 1 Capital Ratio:
12.4858%
Tier 1 Risk-Based Capital Ratio:
12.4858%
Leverage Tier 1 (Core Capital) Ratio:
8.2264%
Total Risk-Based Capital Ratio (YTD):
13.5860%
Total Interest Income (YTD):
3.9290%
 
 
Headquarters:
Waterloo
FDIC Field Office:
Mount Vernon
Regulator:
OCC
County:
Monroe
# of Offices:
16
Metropolitan Statistical Area (MSA):
St. Louis, MO-IL
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024

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