First National Bank of Waterloo

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

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.fnbwaterloo.bank

618-939-6194

228 South Main Street
Waterloo, IL 62298

First National Bank of Waterloo is headquartered in WATERLOO and is the 57^th largest bank in the state of Illinois. It is also the 1,110^th 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)

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Horrible Terrible Bank

Posted by: natalieannc | Sep 1, 2023

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!?

Comment

Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3842
Year Established	1912
Employees	162
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.54%
Return on Equity - YTD	6.14%
Annual Interest Income	$9.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$930.1MM$933.7MM
Loans	Q1 2025vs Q1 2024	$526.4MM$524.2MM
Deposits	Q1 2025vs Q1 2024	$765.3MM$771.7MM
Equity Capital	Q1 2025vs Q1 2024	$82.2MM$78.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$8.1MM$7.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$8.2MM$4.3MM
Real Estate Owned	Q1 2025vs Q1 2024	$1.9MM$179K

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

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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Savings
Money Market
Checking
CD
IRA

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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
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

Availability

St. Louis Area

St. Louis Area bank & credit union details

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