First National Bank, Ames, Iowa

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fnb247.com

515-232-5561

405 Fifth Street
Ames, IA 50010

First National Bank, Ames, Iowa is headquartered in AMES and is the 25^th largest bank in the state of Iowa. It is also the 938^th largest bank in the nation. It was established in 1903 and as of March of 2025, it had grown to 114 employees at 10 locations. First National Bank, Ames, Iowa's money market rates are 93% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	1545
Year Established	1903
Employees	114
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.41%
Return on Equity - YTD	4.95%
Annual Interest Income	$10MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.12B$1.13B
Loans	Q1 2025vs Q1 2024	$683MM$678.5MM
Deposits	Q1 2025vs Q1 2024	$971.7MM$936.3MM
Equity Capital	Q1 2025vs Q1 2024	$93.1MM$84.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$9.7MM$9.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$12.3MM$10.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank, Ames, Iowa Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	$100k^*	-	Health Savings Account
OTHER TIERS: 0.10% → $0 - $5k \| 0.15% → $5k+ \| 1.00% → $50k - $100k
0.15%	$0	-	Savings Account
0.15%	$0	-	Kid's First Savings
0.15%	$25	-	Celebration Savings Account

First National Bank, Ames, Iowa Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%^*	$250k^*	-	Money Market
OTHER TIERS: 0.50% → $0 - $25k \| 0.60% → $25k - $100k \| 0.70% → $100k - $250k
0.85%^*	$250k^*	-	Commercial Money Market
OTHER TIERS: 0.50% → $0 - $25k \| 0.60% → $25k - $100k \| 0.70% → $100k - $250k

First National Bank, Ames, Iowa Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.06%^*	$0	$15k	Interest Rewards
OTHER TIERS: 0.05% → $15k+
0.15%^*	$100k^*	-	Premier Checking
OTHER TIERS: 0.10% → $0 - $25k \| 0.12% → $25k - $100k
0.05%	$0	-	Commercial Checking with Interest

First National Bank, Ames, Iowa CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.80%^*	$25k^*	-	3 Month CD Special
OTHER TIERS: 3.55% → $10k - $25k
3.80%^*	$25k^*	-	5 Month CD Special
OTHER TIERS: 3.55% → $10k - $25k
3.55%	$10k	-	18 Month CD Special
2.73%^*	$25k^*	-	49 - 60 Month CD
OTHER TIERS: 2.52% → $1k - $10k \| 2.63% → $10k - $25k
2.63%^*	$25k^*	-	37 - 48 Month CD
OTHER TIERS: 2.42% → $1k - $10k \| 2.52% → $10k - $25k
2.52%^*	$25k^*	-	25 - 36 Month CD
OTHER TIERS: 2.32% → $1k - $10k \| 2.42% → $10k - $25k
2.42%^*	$30k^*	-	24 Month ADD IT UP CD
OTHER TIERS: 1.96% → $100 - $1k \| 2.22% → $1k - $15k \| 2.32% → $15k - $30k
2.42%^*	$25k^*	-	13 - 24 Month CD
OTHER TIERS: 2.22% → $1k - $10k \| 2.32% → $10k - $25k
2.32%^*	$25k^*	-	3 - 5 Month CD
OTHER TIERS: 2.12% → $1k - $10k \| 2.22% → $10k - $25k
2.32%^*	$25k^*	-	6 - 12 Month CD
OTHER TIERS: 2.12% → $1k - $10k \| 2.22% → $10k - $25k

First National Bank, Ames, Iowa IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.02%^*	$100k^*	-	IRA Savings
OTHER TIERS: 1.76% → $0 - $25k \| 1.86% → $25k - $100k

Locations

First National Bank, Ames, Iowa Locations
First National Bank, Ankeny Office	1205 North Ankeny Boulevard	Ankeny, IA 50021
University Branch	3334 Lincoln Way	Ames, IA 50010
North Grand Branch	2406 Grand Ave	Ames, IA 50010
First National Bank, Ames, Iowa	405 5th St	Ames, IA 50010
Fifth Street Branch	301 Fifth Street	West Des Moines, IA 50265
First Bank Branch	5625 Mills Civic Parkway	West Des Moines, IA 50266
Osceola Branch	1320 Jeffreys Drive	Osceola, IA 50213
Osceola Br	139 S Main Street	Osceola, IA 50213

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