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| $5,000 and over1 | under $5,000 | Min Open Deposit | Comp Freq | |||
|---|---|---|---|---|---|---|
| Term | APY2 | Interest Rate | APY2 | Interest Rate | ||
| 23 Month Rate Riser | 1.00% | 1.00% | $5,000 | Semi-Annually | ||
| $5,000 and over1 | under $5,000 | Min Open Deposit | Comp Freq | |||
|---|---|---|---|---|---|---|
| Term | APY2 | Interest Rate | APY2 | Interest Rate | ||
| 3 thru 5 Months | .13% | .13% | .08% | .08% | $1,000 | Quarterly |
| 6 thru 11 month | 0.18% | 0.18% | 0.08% | 0.08% | $1,000 | Semi-Annually |
| 12 thru 23 months | .23% | .23% | 0.12% | 0.12% | $1,000 | Semi-Annually |
| 15 month Add-On3 | .22% | .22% | 0.22% | 0.22% | $500 | Semi-Annually |
| 2 year | .37% | .37% | 0.27% | 0.27% | $1,000 | Semi-Annually |
| 3 year | .63% | .63% | 0.53% | 0.53% | $1,000 | Semi-Annually |
| 4 year | .75% | .75% | 0.65% | 0.65% | $1,000 | Semi-Annually |
| 5 year | .90% | .90% | .80% | .80% | $1,000 | Semi-Annually |
| Min Opening Deposit | Compounding Frequency | |||
|---|---|---|---|---|
| Term | APY2 | Interest Rate | ||
| Floating Rate | 0.03% | 0.03% | $5 | Quarterly |
| 1 year | .22% | .22% | $1,000 | Semi-Annually |
| 15 month Add-On4 | .22% | .22% | $500 | Semi-Annually |
| 2 year | .37% | .37% | $1,000 | Semi-Annually |
| 3 year | .63% | .63% | $1,000 | Semi-Annually |
Funds must remain on deposit until maturity to earn the advertised yield. A penalty will be imposed for early withdrawal.
1 Opening balance of $5,000 for Annual Percentage Yield and Interest Rate for $5,000 and over
2 APY stands for Annual Percentage Yield. APY assumes funds will remain on deposit for a full year at the advertised rate.
3 There is no limit to the number of deposits made to the 15 Month Add-On CD. Each deposit must be at least $50.00.
4 There is no limit to the number of deposits made to the 15 Month Add-On IRA. Each deposit must be at least
$0.01.
| Checking Account | APY5 | Interest Rate | Min Bal to Obtain APY | Min to Open | Comp Freq |
|---|---|---|---|---|---|
| First Classic5 | 0.02% | 0.02% | none | $100 | Monthly |
| Savings Account | APY5 | Interest Rate | Min Bal to Obtain APY | Min to Open | Comp Freq |
|---|---|---|---|---|---|
| Regular Savings6 | 0.02% | 0.02% | none | $100 | Quarterly |
| Ultra Money Market Account |
APY5 | Interest Rate | Min Bal to Obtain APY | Min to Open | Comp Freq |
|---|---|---|---|---|---|
| $250,000 and up6 | .85% | .85% | $250,000 | $100 | Monthly |
| $150,000 - $249,9996 | .55% | .55% | $150,000 | $100 | Monthly |
| $100,000 - $149,9996 | .25% | .25% | $100,000 | $100 | Monthly |
| $50,000 - $99,9996 | .05% | .05% | $50,000 | $100 | Monthly |
| $10,000 - $49,9996 | .03% | .03% | $10,000 | $100 | Monthly |
| up to $10,0006 | 0.02% | 0.02% | none | $100 | Monthly |
5 APY stands for Annual Percentage Yield. APY assumes funds will remain on deposit for a full year at the advertised rate.
6 At our discretion, we may change the interest rate and APY on this account at any time. Fees could reduce earnings for applicable accounts.
| Term | Rate | APR |
|---|---|---|
| up to 36 mo | 1.97% | 2.30% |
| up to 48 mo | 1.97% | 2.22% |
| up to 60 mo | 1.97% | 2.17% |
| up to 72 mo | 1.97% | 2.14% |
| Term | Rate | APR |
|---|---|---|
| up to 36 mo | 5.47% | 5.61% |
| up to 48 mo | 5.57% | 5.68% |
| up to 60 mo | 5.67% | 5.88% |
| up to 120 mo | 6.47% | 6.52% |
| Term | Rate | APR |
|---|---|---|
| Up to 24 Mo | 9.49% | 10.00% |
| Up to 36 Mo | 9.99% | 10.35% |
| Up to 48 Mo | 10.49% | 10.77% |
All rates and Annual Percentage Rates (“APRs”) are effective as of 5/3/2022, are for illustrative purposes only, and are subject to change without notice.
7 APR assumes a $20,000 loan with a $100 documentation fee, excellent credit history, and a loan-to-value ratio of 100%. Rates and down payment requirements vary according to credit history. Additional .25% for no automatic payment from a First National Bank of Hutchinson account. Subject to credit approval. Monthly payment amounts vary by loan term and rates. For example, a loan for $20,000 will have a minimum monthly payment of $352.04 over 60 months at 2.14% APR.
8 APR assumes a $50,000 loan with a $100 documentation fee, 2 years or newer collateral, excellent credit history, and a loan-to-value ratio of 100%. Rates and down payment requirements vary according to credit history. Additional .25% for no automatic payment from a First National Bank of Hutchinson account. Subject to credit approval. Monthly payment amounts vary by loan term and rates. For example, a loan for $50,000 will have a minimum monthly payment of $568.27 over 60 months at 6.52% APR.
9 APR assumes a $20,000 loan with a $100 documentation fee and excellent credit history. Rates vary according to credit history. Additional .25% for no automatic payment from a First National Bank of Hutchinson account. Subject to credit approval. Monthly payment amounts vary by loan term and rates. For example, a loan for $20,000 will have a minimum monthly payment of $648.62 over 36 months at 10.35% APR.
10 APR assumes a balance of $10,000 over 120 months with $400 closing costs and excellent credit history. Additional .25% for no automatic payment from a First National Bank of Hutchinson account. The APR is variable, may change monthly, and is based on Prime plus a margin. Your APR will not exceed 18.00% or be lower than 4.00% at any time during the term of your account. Subject to credit approval.
| APR12 | Interest Rate | |
|---|---|---|
| 10 year Fixed Rate | 5.114% | 4.875% |
| 15 year Fixed Rate | 5.419% | 5.250% |
| 20 year Fixed Rate | 5.760% | 5.625% |
| 30 year Fixed Rate | 5.851% | 5.75% |
11 The interest rates and annual percentage rates (APRs) shown are available as of 9:00am on the date shown. They are subject to change without notice.
12 APR assumes a $100,000 loan with excellent credit history and a maximum loan to value of 80%. Rates and down payment requirements vary according to credit history. Subject to credit approval. Monthly payment amounts vary by loan term and rates. Below are payment examples based on a $100,000 loan and the APRs listed above:
Other mortgage loan options and terms are available.