Bank · FDIC insured
First National Bank of Waterloo Savings Rates
First National Bank of Waterloo’s best savings rate is 0.35% APY on $10,000, with its FNB Premier MMA. Rates checked October 16, 2026.
How First National Bank of Waterloo’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where First National Bank of Waterloo has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Waterloo
0.35%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $35
FNB Premier MMA
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
First National Bank of Waterloo savings score
75
Savings score
Higher than 39% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First National Bank of Waterloo ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
FNB Premier MMA
0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.30% | — |
| $10,000 – $25,000 | 0.35% | $35 |
| $25,000 – $50,000 | 0.35% | — |
| $50,000 – $100,000 | 0.35% | — |
| $100,000 and up | 0.40% | — |
Sources (1)
- fnbwaterloo.bank/personal/current-rates · captured Oct 16, 2026
FNB First Savings
0.10%APY
Interest compounded and credited quarterly. $3 monthly fee assessed on accounts with a daily minimum balance of less than $50. Bonus rate of interest available for members of FNB Check Plus Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAnnual percentage yields based upon quarterly compounding. No minimum balance required to obtain APY. $3 monthly fee if daily minimum balance falls below $50.Any balance | 0.10% | $10 | Annual percentage yields based upon quarterly compounding. No minimum balance required to obtain APY. $3 monthly fee if daily minimum balance falls below $50. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Christmas Club
0.10%APY
Christmas Club payouts issued by check or auto transfer in October. Interest credited annually.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly fee. Interest credited annually. Payouts issued in October.Any balance | 0.10% | $10 | No monthly fee. Interest credited annually. Payouts issued in October. |
Sources (2)
All captured Oct 6, 2026
Health Savings Account
0.10%APY
Must be covered by a qualified High Deductible Health Plan (HDHP), not covered by any other non-HDHP health plan, not enrolled in Medicare, and not claimed as a dependent on another person's tax return.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly or annual fees. No minimum balance required to obtain APY.Any balance | 0.10% | $10 | No monthly or annual fees. No minimum balance required to obtain APY. |
Sources (2)
All captured Oct 6, 2026
Vacation Club
0.10%APY
Vacation Club payouts issued by check or auto transfer in April. Interest credited annually.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly fee. Interest credited annually. Payouts issued in April.Any balance | 0.10% | $10 | No monthly fee. Interest credited annually. Payouts issued in April. |
Sources (2)
All captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.