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Checking and Savings Rates

Choose from a variety of interest-earning accounts.


At First Northern Bank and Trust, we offer a wide selection of deposit accounts: Checking Accounts, Savings Accounts, Money Market Accounts, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs).

View Checking and Savings Account rates on this page. For complete details and disclosures, follow the links to the individual Account pages.


The APY is accurate as of November 2, 2021.

Account Type Annual Percentage Yield (APY) Interest Rate Minimum Deposit to Open Account Minimum Balance to Obtain APY
(amount of principal in the account each day)
NOW Checking
Open account online
See details.
0.05% 0.05% $1,000.00 $1,000.00
Business NOW Checking
See details.
0.05% 0.05% $1,000.00 $1,000.00
Muni NOW Checking
See details.
0.25% 0.25% $0.00 $0.00
Paperless Savings
See details.




$100,000.00 and more 0.20% 0.20% $25.00 $100,000.00
$50,000.00 - $100,000.00 0.15% 0.15% $25.00 $50,000.00
$200.00 - $50,000.00 0.10% 0.10% $25.00 $200.00
Statement Savings
Open account online
See details.
0.05% 0.05% $25.00 $100.00
Royal Savings
See details.
0.25% 0.25% $1,000.00 $100.00
Student Savings
See details.
0.15% 0.15% $25.00 $100.00
Kid’s Statement Savings
See details.
0.20% 0.20% $1.00 $1.00
Business Statement Savings
See details.




$250,000.00 or more 0.05% 0.05% $100.00 All Tiers: There is no minimum daily balance requirement to obtain the APY. The interest rate is paid from balances of $.01.
$100,000.00 - $249,999.99
0.05% 0.05% $100.00 All Tiers: There is no minimum daily balance requirement to obtain the APY. The interest rate is paid from balances of $.01.
$50,000.00 - $99,999.99 0.05% 0.05% $100.00 All Tiers: There is no minimum daily balance requirement to obtain the APY. The interest rate is paid from balances of $.01.
$49,999.99 or less 0.05% 0.05% $100.00 All Tiers: There is no minimum daily balance requirement to obtain the APY. The interest rate is paid from balances of $.01.
Consumer Money Market Passbook Savings and Business Money Market Passbook Savings
See details.




$100,000.00 or more 0.05% 0.05% $2,500.00 All Tiers: There is no minimum daily balance requirement to obtain the APY. The interest rate is paid from balances of $.01.
$50,000.00 - $99,999.99 0.05% 0.05% $2,500.00 All Tiers: There is no minimum daily balance requirement to obtain the APY. The interest rate is paid from balances of $.01.
$2,500.00 - $49,999.99 0.05% 0.05% $2,500.00 All Tiers: There is no minimum daily balance requirement to obtain the APY. The interest rate is paid from balances of $.01.
$2,499.00 or less 0.05% 0.05% $2,500.00 All Tiers: There is no minimum daily balance requirement to obtain the APY. The interest rate is paid from balances of $.01.
Consumer Money Market Checking and Business Money Market Checking
See details.




$50,000.00 or more 0.05% 0.05% $1,000.00 All Tiers: There is no minimum daily balance requirement to obtain the APY. The interest rate is paid from balances of $.01.
$49,999.00 or less 0.05% 0.05% $1,000.00 All Tiers: There is no minimum daily balance requirement to obtain the APY. The interest rate is paid from balances of $.01.
All Purpose Club 0.10% 0.10% $20.00
$20.00
Christmas Club with automatic payments 0.05% 0.05% $10.00 $10.00
Christmas Club with a payment schedule 0.03% 0.03% $10.00 $10.00

All Accounts: For information about associated fees and charges, view our Schedule of Service Fees. Fees could reduce the earnings on account.

NOW Checking, Business NOW Checking, MUNI NOW Checking, Kid's Statement Savings, Business Statement Savings:
The rate may change after the account is opened.

Student Savings: Must have an FNBT Student Checking Account. The rate may change after the account is opened.

Royal Savings: Can be a combined balance of Royal Checking and Royal Savings. The rate may change after the account is opened.

Consumer Money Market Passbook Savings and Business Money Market Passbook Savings: Only allowed three (3) withdrawals per month from this Account. The rate may change after the account is opened.

Consumer Money Market Checking and Business Money Market Checking: You may make only six (6) pre-authorized withdrawals, automatic or telephone transfers, net teller transfers, drafts and debit card or similar transactions from your account per month. The rate may change after the account is opened.

Paperless Savings: No monthly statement will be mailed, you will receive your statement online. A $2.00 service charge will apply if the Account balance falls below $200 on any day of the statement cycle. Interest rates and Annual Percentage Yield are subject to change without notice. The rate may change after the account is opened. Interest will be compounded daily and credited to your account quarterly. Interest is calculated using the daily balance method (applies a daily periodic rate to the account principal each day). Accrual of interest on non-cash items (checks) begins on the business day you deposit them. If your account is closed within 90 days after opening, an early closing fee of $20.00 will be charged. After one year of zero account activity and a balance below $200.00, a dormant fee of $12.00 per quarter will be charged.