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Complete the above form
and return it to your nearest
branch office.

Current Deposit Account Rates

THE APY IS ACCURATE AS OF November 3, 2017.

See Also:  CD and IRA Rates  |  Mortgage Rates  |  Consumer Loan Rates

Account TypeAnnual Percentage Yield (APY)Interest RateMinimum Deposit to Open AccountMinimum Balance to Obtain APY*
Now Accounts** 0.05% 0.05% $1,000.00 $1,000.00
Business NOW Accounts** 0.05% 0.05% $1,000.00 $1,000.00
Passbook Savings Accounts** 0.05% 0.05% $25.00 $100.00
Paperless Savings‡ ($200.00 - $50,000.00) 0.10% 0.10% $25.00 $200.00
Paperless Savings‡ ($50,000.00 - $100,000.00) 0.15% 0.15% $25.00 $50,000.00
Paperless Savings‡ ($100,000.00 and up) 0.20% 0.20% $25.00 $100,000.00
Statement Savings Accounts** 0.05% 0.05% $25.00 $100.00
Royal Blue Savings Account****** 0.25% 0.25% $10,000.00 $10,000.00
Royal Savings Account****** 0.25% 0.25% $25,000.00 $25,000.00
Student Savings Acct**, † 0.15% 0.15% $25.00 $100.00
Kid's Statement Savings Accounts 0.20% 0.20% $ 1.00 $ 1.00
Business Statement Savings Account**
$250,000.00 or More 0.05% 0.05%  $100.00  $100.00
$100,000.00 or More but Less than $249,999.99 0.05% 0.05%  $100.00  $100.00
$50,000.00 or More but Less than $99,999.99 0.05% 0.05% $100.00 $100.00
$49,999.99 or Less 0.05% 0.05%  $100.00  $100.00
Money Market Passbook**
$100,000.00 or More 0.05% 0.05%  $2,500.00 $100,000.00
$50,000.00 or More but less than $100,000.00 0.05% 0.05% $2,500.00 $50,000.00
$2,500.00 or More but Less than $50,000.00 0.05% 0.05%  $2,500.00 $2,500.00
$2,499.00 or Less 0.05% 0.05%  $2,500.00 $2,500.00
Money Market Checking**
$50,000.00 or More 0.05% 0.05% $1,000.00 $50,000.00
$49,999.00 or Less 0.05% 0.05% $1,000.00 $1,000.00
91 Days CD*** 0.05% 0.05% $1,000.00 $1,000.00
182 Days CD*** 0.25% 0.25% $1,000.00 $1,000.00
1 Year CD*** 0.50% 0.50% $1,000.00 $1,000.00
2 Year CD*** 0.90% 0.90% $1,000.00 $1,000.00
2½ Year CD*** 1.00% 1.00% $1,000.00 $1,000.00
3 Year CD*** 1.15% 1.15% $1,000.00 $1,000.00
3 Year Adjustable*** AVAILABLE 1.69% 1.68% $1,000.00

$1,000.00

4 Year CD*** 1.30% 1.29% $1,000.00 $1,000.00
5 Year CD*** 1.40% 1.39% $1,000.00 $1,000.00
5 Year Kid's CD*** 1.50% 1.49% $1,000.00 $1,000.00
1½ Year IRA CD Variable**,***** 0.50% 0.50% $250.00 $250.00
5 Year Royal CD**** 1.50% 1.49% $1,000.00 $1,000.00

* Daily Balance (The amount of principal in the account each day)

** The rate may change after the account is opened.

*** A penalty will or may be imposed for early withdrawal of funds.  

**** You must have a First Northern Royal or Royal Blue Checking account for this CD.

***** Variable interest rate changes at each 6 month anniversary date. The new rate will be the advertised 1½ year rate at that time.

****** Can be a combined balance of Royal Checking & Royal Savings.

†Student Must maintain a First Northern Bank and Trust Checking Account to Qualify

‡No monthly statement will be mailed, you will receive your statement online. A $2 Service Charge will apply if the Account Balance falls below $200 on any day of the month. You may make no more than 6 pre-authorized withdrawals, automatic or telephone transfers, net teller transfers, drafts and debit card or similar transactions from your account per month (an excessive transaction fee of $5.00 will be charged for each transaction over these limits). Interest Rates and Annual Percentage Yield are subject to change without notice. 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 will be charged. After one year of zero account activity and a balance below $200, a dormant fee of $6 per quarter will be charged.

Fees could reduce the earnings on the account.

FOR MORE INFORMATION CALL (610) 826-2239

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