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First National Bank of Waterloo


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
Bonus Amount
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.fnbwaterloo.bank
618-939-6194
228 South Main Street
Waterloo, IL 62298

First National Bank of Waterloo is headquartered in WATERLOO and is the 57th largest bank in the state of Illinois. It is also the 1,110th largest bank in the nation. It was established in 1912 and as of March of 2025, it had grown to 162 employees at 16 locations. First National Bank of Waterloo's CD rates are 4X the national average, and it has a B health rating.

Reviews (1)

Horrible Terrible Bank

Posted by: |

This bank has tellers mainly the red head named Rikki. who look up your address and view your house and talk about you when you leave. How much money you have or don’t have. It’s really embarrassing for clients if they only knew. Phil is really quick to shut his door when the tellers are being attacked verbally because he “cares so much for his employees”. It’s a really joke there. I’d steer so clear from them. They have people moving branches and leaving on a regular basis. People leave the banks for poor service. Isn’t that sad? I know. I worked at this crook of a place. No one has a CLUE what’s going on. It’s comical. They are all miserable up there. The red headed teller supervisor doesn’t want to work. They all lie. They are all dishonest. They all talk about one another and their customers! If you are a customer there, they have definitely invaded your privacy!?

3


Health
B

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #3842
Year Established1912
Employees162
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD6.14%
Annual Interest Income$9.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$930.1MM$933.7MM
LoansQ1 2025vs Q1 2024$526.4MM$524.2MM
DepositsQ1 2025vs Q1 2024$765.3MM$771.7MM
Equity CapitalQ1 2025vs Q1 2024$82.2MM$78.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$8.1MM$7.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$8.2MM$4.3MM
Real Estate OwnedQ1 2025vs Q1 2024$1.9MM$179K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
Bonus Amount
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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Always verify rates and promotions with the bank or credit union. We are not First National Bank of Waterloo; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-FNB First Savings
0.10%$0-Health Savings Account
0.10%$1-Christmas Club
0.10%$1-Vacation Club

First National Bank of Waterloo Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$100k*-FNB Premier MMA
OTHER TIERS: 0.30% → $0 - $10k | 0.35% → $10k - $100k
0.30%*$100k*-FNB Premier MMA - Business
OTHER TIERS: 0.10% → $0 - $10k | 0.15% → $10k - $25k | 0.20% → $25k - $50k | 0.25% → $50k - $100k
0.25%*$100k*-FNB Premier MMA -Public Funds
OTHER TIERS: 0.10% → $0 - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $100k

First National Bank of Waterloo Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$50k*-Classic 55 Checking
OTHER TIERS: 0.10% → $0 - $50k
0.10%*$2k*-Check Plus Checking
OTHER TIERS: 0.05% → $0 - $2k
0.10%$0-FNB Business Check Plus
0.10%$0-FNB Non-Personal Check Plus

First National Bank of Waterloo CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.11%$1k-6 Month CD
3.91%$1k-12 Month CD
3.75%$1k-24 Month CD
3.55%$1k-36 Month CD
3.44%$1k-48 Month CD
3.34%$1k-60 Month CD
3.29%$1k-17 Month CD
3.24%$1k-33 Month CD
3.03%$1k-3 Month CD
2.78%$1k-34 Month CD
1.26%$1k-15 Month CD

First National Bank of Waterloo IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.11%$1k-6 Month Fixed IRA
3.91%$1k-12 Month Fixed IRA
3.75%$1k-24 Month Fixed IRA
3.56%$250-18 Month Variable IRA
3.55%$1k-36 Month Fixed IRA
3.44%$1k-48 Month Fixed IRA
3.34%$1k-60 Month Fixed IRA
3.29%$1k-17 Month Fixed IRA
3.24%$1k-33 Month Fixed IRA
3.03%$1k-3 Month Fixed IRA
2.78%$1k-34 Month Fixed IRA
1.26%$1k-15 Month Fixed IRA
Locations

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