First National Bank of Waterloo
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 1.46% | 5-year CD | 3.10% - Barclays 60 Month Online CD |
| 0.35% | 1-year CD | 2.75% - Barclays 12 Month Online CD |
| 0.30% | Savings | 0.26% - National Average |
First National Bank of Waterloo is headquartered in Waterloo and is the 86th largest bank in the state of Illinois. It is also the 1,503rd largest bank in the nation. It was established in 1912 and as of December of 2018, it had grown to 101 employees at 10 locations. First National Bank of Waterloo has an A health rating.
Must Open Your Account Locally
Their procedures call for in person account opening at the bank.
Bank Elsewhere
I strongly encourage anyone considering a bank to go anywhere but First National Bank of Waterloo. I would also encourage anyone banking with First National Bank of Waterloo to understand their ignorant and/or malicious policies. We recently had an unexpected family death. The spouse of the deceased was not notified of any account changes. First National Bank of Waterloo allowed money to go out of the account and did not allow money to go in. Again money was allowed out to pay bills but deposits were not allowed to come in. The spouse's own direct deposit from her current employer was denied deposit. On top of all of this, they never contacted her. They also took it upon themselves to deny social security without a death certificate. She found this out while looking at her online banking. When she went to the bank to discuss the issue, the First National Bank of Waterloo had the nerve to say they were trying to protect her. Yes, protect her, by not allowing any deposits, allowing money to be taken out and by not notifying her of their brilliant safeguards. Words cannot express my disappointment in First National Bank of Waterloo and their policies. I pray that anyone facing a similar tragedy does not have to experience this unnecessary stress.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 3842 |
| Year Established | 1912 |
| Employees | 101 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.6% |
| Return on Equity - YTD | 5.62% |
| Annual Interest Income | $16.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $474.7MM$460.9MM |
| Loans | Q4 2018vs Q4 2017 | $257.5MM$230.6MM |
| Deposits | Q4 2018vs Q4 2017 | $406.3MM$380.7MM |
| Equity Capital | Q4 2018vs Q4 2017 | $51.1MM$50.1MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $3.1MM$2.7MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $1.6MM$1.1MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $1.4MM$2.2MM |
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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 of Waterloo Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.30% | $50 | - | FNB First Savings | |
| 0.30% | $50 | - | Health Savings Account |
First National Bank of Waterloo Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.35%* | $50k* | - | FNB Premier MMA | ||
| OTHER TIERS: 0.20% → Up to $10k | 0.25% → $10k - $25k | 0.30% → $25k - $50k | |||||
First National Bank of Waterloo Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.30%* | $25k* | - | Check Plus Checking | ||
| OTHER TIERS: 0.10% → Up to $2k | 0.15% → $2k - $10k | 0.25% → $10k - $25k | |||||
| 0.30% | - | - | Classic 55 Checking | ||
| 0.20% | $100 | - | FNB Business Check Plus | ||
| 0.20% | $100 | - | FNB Non-Personal Check Plus | ||
First National Bank of Waterloo CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.66% | $2.5k | - | 17 Month CD Special | |
| 1.46% | $1k | - | 60 Month CD | |
| 1.21% | $1k | - | 48 Month CD | |
| 1.00% | $10k | - | 34 Month CD | |
| 0.85% | $1k | - | 36 Month CD | |
| 0.60% | $1k | - | 24 Month CD | |
| 0.50% | $10k | - | 15 Month CD | |
| 0.35% | $1k | - | 12 Month CD | |
| 0.25% | $1k | - | 6 Month CD | |
| 0.15% | $1k | - | 3 Month CD |
First National Bank of Waterloo IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.78% | $250 | - | 18 Month Variable IRA |
| Columbia Branches | ||
|---|---|---|
| Columbia Branch | 1421 North Main Street | Columbia, IL 62236 |
| Dupo Branches | ||
|---|---|---|
| Dupo Banking Center Branch | 107 North Second Street | Dupo, IL 62239 |
| Effingham Branches | ||
|---|---|---|
| Effingham Branch | 210 East Fayette Avenue | Effingham, IL 62401 |
| Millstadt Branches | ||
|---|---|---|
| Millstadt Branch | 645 East Washington Street | Millstadt, IL 62260 |
| O Fallon Branches | ||
|---|---|---|
| O'fallon Banking Center Branch | 104 Regency Park Drive | O Fallon, IL 62269 |
| First National Bank Schnucks Banking | 907 East Us 50 | O Fallon, IL 62269 |
| Stewardson Branches | ||
|---|---|---|
| Prairie National Bank | 110 East Main Street | Stewardson, IL 62463 |
| Waterloo Branches | ||
|---|---|---|
| First National Bank Of Waterloo | 228 South Main Street | Waterloo, IL 62298 |
| North Facility | 744 North Market | Waterloo, IL 62298 |
| Waterloo Wal-Mart Bkg. Center Branch | 961 North Market Street | Waterloo, IL 62298 |