Rates
CDs
CDs1
Effective as of 9/26/2025
| Term | Interest Rate | APY2 | Minimum Opening Deposit | Minimum Balance to Obtain APY | Compounding Frequency |
|---|---|---|---|---|---|
| Term: 3 month | Interest Rate: 1.50% | APY2: 1.51% | Minimum Opening Deposit: $1,000 | Minimum Balance to Obtain APY: $1,000 | Compounding Frequency: Quarterly |
| Term: 6 month | Interest Rate: 1.75% | APY2: 1.76% | Minimum Opening Deposit: $1,000 | Minimum Balance to Obtain APY: $1,000 | Compounding Frequency: Semi-Annually |
| Term: 1 year | Interest Rate: 3.00% | APY2: 3.02% | Minimum Opening Deposit: $1,000 | Minimum Balance to Obtain APY: $1,000 | Compounding Frequency: Semi-Annually |
| Term: 2 year | Interest Rate: 2.75% | APY2: 2.77% | Minimum Opening Deposit: $1,000 | Minimum Balance to Obtain APY: $1,000 | Compounding Frequency: Semi-Annually |
| Term: 3 year | Interest Rate: 2.75% | APY2: 2.77% | Minimum Opening Deposit: $1,000 | Minimum Balance to Obtain APY: $1,000 | Compounding Frequency: Semi-Annually |
| Term: 4 year | Interest Rate: 2.75% | APY2: 2.77% | Minimum Opening Deposit: $1,000 | Minimum Balance to Obtain APY: $1,000 | Compounding Frequency: Semi-Annually |
| Term: 5 year | Interest Rate: 2.75% | APY2: 2.77% | Minimum Opening Deposit: $1,000 | Minimum Balance to Obtain APY: $1,000 | Compounding Frequency: Semi-Annually |
Special CD Rates1
Effective as of 9/26/2025
| Term | Interest Rate | APY2 | Minimum Opening Deposit | Minimum Balance to Obtain APY | Compounding Frequency |
|---|---|---|---|---|---|
| Term: 7 month Add-On 3 | Interest Rate: 4.01% | APY2: 4.06% | Minimum Opening Deposit: $500 | Minimum Balance to Obtain APY: $500 | Compounding Frequency: Semi-Annually |
| Term: 13 month | Interest Rate: 3.86% | APY2: 3.90% | Minimum Opening Deposit: $1,000 | Minimum Balance to Obtain APY: $1,000 | Compounding Frequency: Semi-Annually |
IRA CDs1
Effective as of 9/26/2025
| Term | Interest Rate | APY2 | Minimum Opening Deposit | Minimum Balance to Obtain APY | Compounding Frequency |
|---|---|---|---|---|---|
| Term: Floating Rate | Interest Rate: 0.03% | APY2: 0.03% | Minimum Opening Deposit: $5 | Minimum Balance to Obtain APY: $5 | Compounding Frequency: Quarterly |
| Term: 1 year | Interest Rate: 3.00% | APY2: 3.02% | Minimum Opening Deposit: $1,000 | Minimum Balance to Obtain APY: $1,000 | Compounding Frequency: Semi-Annually |
| Term: 2 year | Interest Rate: 2.75% | APY2: 2.77% | Minimum Opening Deposit: $1,000 | Minimum Balance to Obtain APY: $1,000 | Compounding Frequency: Semi-Annually |
| Term: 3 year** | Interest Rate: 2.75% | APY2: 2.77% | Minimum Opening Deposit: $1,000 | Minimum Balance to Obtain APY: $1,000 | Compounding Frequency: Semi-Annually |
1 Funds must remain on deposit until maturity to earn the advertised yield. A penalty will be imposed for early withdrawal.
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 7 Month Add-On CD. Each deposit must be at least $50.00. Account balance cannot exceed $1 million.
**Rates may be subject to change after the account is opened if the account holder is over 59.5 years old.
Checking and Savings
Personal Checking Rates
Effective as of 9/26/2025
| Checking Account | Interest Rate | APY5 | Minimum Opening Deposit | Minimum Balance to Obtain APY | Compounding Frequency |
|---|---|---|---|---|---|
| Checking Account: First Classic6 | Interest Rate: 0.02% | APY5: 0.02% | Minimum Opening Deposit: $100 | Minimum Balance to Obtain APY: none | Compounding Frequency: Monthly |
| Checking Account: Veterans6 | Interest Rate: 0.02% | APY5: 0.02% | Minimum Opening Deposit: $25 | Minimum Balance to Obtain APY: none | Compounding Frequency: Monthly |
Personal Savings Rates
Effective as of 9/26/2025
| Savings Account | Interest Rate | APY5 | Minimum Opening Deposit | Minimum Balance to Obtain APY | Compounding Frequency |
|---|---|---|---|---|---|
| Savings Account: Regular Savings6 | Interest Rate: 0.02% | APY5: 0.02% | Minimum Opening Deposit: $100 | Minimum Balance to Obtain APY: none | Compounding Frequency: Quarterly |
Personal Ultra Money Market Rates
Effective as of 9/26/2025
| Ultra Money Market Account | Interest Rate | APY5 | Min Balance to Obtain APY | Min to Open | Compounding Frequency |
|---|---|---|---|---|---|
| Ultra Money Market Account: $250,000 and up6 | Interest Rate: 2.00% | APY5: 2.02% | Min Balance to Obtain APY: $250,000 | Min to Open: $100 | Compounding Frequency: Monthly |
| Ultra Money Market Account: $150,000 - $249,9996 | Interest Rate: 1.49% | APY5: 1.50% | Min Balance to Obtain APY: $150,000 | Min to Open: $100 | Compounding Frequency: Monthly |
| Ultra Money Market Account: $100,000 - $149,9996 | Interest Rate: 1.24% | APY5: 1.25% | Min Balance to Obtain APY: $100,000 | Min to Open: $100 | Compounding Frequency: Monthly |
| Ultra Money Market Account: $50,000 - $99,9996 | Interest Rate: .30% | APY5: .30% | Min Balance to Obtain APY: $50,000 | Min to Open: $100 | Compounding Frequency: Monthly |
| Ultra Money Market Account: $10,000 - $49,9996 | Interest Rate: .03% | APY5: .03% | Min Balance to Obtain APY: $10,000 | Min to Open: $100 | Compounding Frequency: Monthly |
| Ultra Money Market Account: up to $10,0006 | Interest Rate: .02% | APY5: .02% | Min Balance to Obtain APY: none | Min to Open: $100 | Compounding Frequency: 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.
Personal Loans
New/Used Auto and Touring Motorcycle
Effective as of 9/26/2025
| Term | Rate | APR7 |
|---|---|---|
| Term: Up to 36 Mo | Rate: 6.250% | APR7: 6.595% |
| Term: Up to 48 Mo | Rate: 6.250% | APR7: 6.514% |
| Term: Up to 60 Mo | Rate: 6.250% | APR7: 6.465% |
| Term: Up to 72 Mo | Rate: 6.250% | APR7: 6.433% |
All rates and Annual Percentage Rates (“APRs”) are effective as of the date shown, are for illustrative purposes only and are subject to change without notice.
7APR 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 .50% 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 $391.00 over 60 months at 6.465% APR.
7APR 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 .50% 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 $391.00 over 60 months at 6.465% APR.
New/Used RV and Boats
Effective as of 9/26/2025
| Term | Rate | APR8 |
|---|---|---|
| Term: Up to 36 Mo | Rate: 6.700% | APR8: 6.855% |
| Term: Up to 48 Mo | Rate: 6.950% | APR8: 7.069% |
| Term: Up to 60 Mo | Rate: 7.200% | APR8: 7.298% |
| Term: Up to 120 Mo | Rate: 8.200% | APR8: 8.258% |
8 APR assumes a $50,000 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 .50% 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 $959.15 over 60 months at 7.298% APR.
Unsecured Personal Loans
Effective as of 9/26/2025
| Term | Rate | APR9 |
|---|---|---|
| Term: Up to 24 Mo | Rate: 11.000% | APR9: 11.545% |
| Term: Up to 36 Mo | Rate: 11.500% | APR9: 11.881% |
All rates and Annual Percentage Rates (“APRs”) are effective as of the date shown, are for illustrative purposes only and are subject to change without notice.
9 APR assumes a $20,000 loan with a $100 documentation fee and excellent credit history. Rates vary according to credit history. Additional .50% 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 $663.15 over 36 months at 11.881% APR.
9 APR assumes a $20,000 loan with a $100 documentation fee and excellent credit history. Rates vary according to credit history. Additional .50% 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 $663.15 over 36 months at 11.881% APR.
Home Equity Line of Credit (HELOC)
Effective as of 9/26/2025
| Rate | APR10 |
|---|---|
| Rate: 8.500% Variable | APR10: 8.500% Variable |
10 APR assumes a balance of $10,000 over 120 months with $400 closing costs and excellent credit history. Rates vary according to credit history. 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 6.00% at any time during the term of your account. Subject to credit approval.
All rates and Annual Percentage Rates (“APRs”) are effective as of the date shown, are for illustrative purposes only and are subject to change without notice.
Mortgage Loan Rates
Effective as of 9/26/2025
| Interest Rate | APR11 | |
|---|---|---|
| : 10 year Fixed Rate | Interest Rate: 5.625% | APR11: 5.934% |
| : 15 year Fixed Rate | Interest Rate: 5.625% | APR11: 5.843% |
| : 20 year Fixed Rate | Interest Rate: 5.750% | APR11: 5.924% |
| : 30 year Fixed Rate | Interest Rate: 6.000% | APR11: 6.132% |
| : 30 year MRRP Rate * | Interest Rate: 5.375% | APR11: 5.502% |
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.
11 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. Higher loan amounts may have higher rates. Below are payment examples based on a $100,000 loan and the APRs listed above:
- 10 year loan: 120 monthly payments of $1,091.47
- 15 year loan: 180 monthly payments of $823.73
- 20 year loan: 240 monthly payments of $702.08
- 30 year loan: 360 monthly payments of $599.55
- 30 year MRRP loan: 360 monthly payments of $559.97*
- The monthly payment amounts shown include principal and interest only. Property taxes, property insurance, and flood insurance (if applicable) are not included in the monthly payment amounts listed. Your actual monthly payment obligation will be higher.
- *MRRP (Mortgage Rate Reduction Program) 30 year rate and program have income limitations. Speak with a loan officer for details.
Other mortgage loan options and terms are available.