First National Bank of Waterloo
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.46% | 5-year CD | 60 Month CD 2.35% - Synchrony Bank 60 Month CD |
| 0.35% | 1-year CD | 12 Month CD 1.40% - Synchrony Bank 12 Month CD |
| 0.30% | Savings | FNB First Savings |
First National Bank of Waterloo is headquartered in Waterloo and is the 92nd largest bank in the state of Illinois. It is also the 1,544th largest bank in the nation. It was established in 1912 and as of March of 2017, it had grown to 105 employees at 9 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 Q1 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 3842 |
| Year Established | 1912 |
| Employees | 105 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.64% |
| Return on Equity - YTD | 6.05% |
| Annual Interest Income | $3.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2017vs Q1 2016 | $458.0MM$438.4MM |
| Loans | Q1 2017vs Q1 2016 | $199.9MM$182.3MM |
| Deposits | Q1 2017vs Q1 2016 | $396.6MM$376.6MM |
| Equity Capital | Q1 2017vs Q1 2016 | $49.2MM$49.2MM |
| Loan Loss Allowance | Q1 2017vs Q1 2016 | $2.3MM$2.1MM |
| Unbacked Noncurrent Loans | Q1 2017vs Q1 2016 | $1.0MM$1.2MM |
| Real Estate Owned | Q1 2017vs Q1 2016 | $3.1MM$3.2MM |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.30% | $50 | - | FNB First Savings | |
| 0.30% | - | - | 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% | $100 | - | Classic 55 Checking | ||
| 0.20% | $100 | - | FNB Business Check Plus | ||
First National Bank of Waterloo CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.46% | $1k | - | 60 Month CD | |
| 1.21% | $1k | - | 48 Month CD | |
| 0.90% | $10k | - | 34 Month CD Special | |
| 0.85% | $1k | - | 36 Month CD | |
| 0.60% | $1k | - | 24 Month CD | |
| 0.40% | $10k | - | 15 Month CD Special | |
| 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 |
|---|---|---|---|---|
| 1.46% | $250 | - | 18 Month Variable IRA | |
| 1.46% | $1k | - | 60 Month IRA | |
| 1.21% | $1k | - | 48 Month IRA | |
| 0.90% | $10k | - | 34 Month IRA Special | |
| 0.85% | $1k | - | 36 Month IRA | |
| 0.60% | $1k | - | 24 Month IRA | |
| 0.40% | $10k | - | 15 Month IRA Special | |
| 0.35% | $1k | - | 12 Month IRA | |
| 0.25% | $1k | - | 6 Month IRA | |
| 0.15% | $1k | - | 3 Month IRA |
| First National Bank of Waterloo Locations | ||
|---|---|---|
| O'fallon Banking Center Branch | 104 Regency Park Drive | O Fallon, IL 62269 |
| Columbia Branch | 1421 North Main Street | Columbia, IL 62236 |
| First National Bank Of Waterloo | 228 South Main Street | Waterloo, IL 62298 |
| Millstadt Branch | 645 East Washington Street | Millstadt, IL 62260 |
| North Facility | 744 North Market | Waterloo, IL 62298 |
| Waterloo Wal-Mart Bkg. Center Branch | 961 North Market Street | Waterloo, IL 62298 |
| First National Bank Schnucks Banking | 907 East Us 50 | O Fallon, IL 62269 |
| Effingham Branch | 210 East Fayette Avenue | Effingham, IL 62401 |
| Prairie National Bank | 110 East Main Street | Stewardson, IL 62463 |