What are the current interest rates at First Nations Bank?

Current rates for First Nations Bank include: 12-Month CD: 0.05%, 18-Month CD: 0.05%, 24-Month CD: 0.05%, 36-Month CD: 0.05%, 48-Month CD: 0.05%

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First Nations Bank Rates & Review June 2026

Q: How many branches does First Nations Bank operate?

First Nations Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First Nations Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Nations Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 5, 2026

First Nations Bank's 5-Months 5-Month CD rates are at 4.00%, 12-Month rates are at 0.05%, 18-Month rates are at 0.05%, 24-Month rates are at 0.05%, 36-Month rates are at 0.05%. First Nations Bank's 15 Yr Fixed FNB Home Mortgage rates are at 5.75%, 30 Yr Fixed FNB Home Mortgage rates are at 6.75%. MonitorBankRates evaluates the financial stability of First Nations Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates were last updated on 06/05/2026.

First Nations Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Nations Bank? Share your experience about First Nations Bank by leaving a review below, or read customer reviews before you decide to use First Nations Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

First Nations Bank

7757 W Devon Ave
Chicago, IL 60631

https://www.firstnations.bank

First Nations Bank CD Rates

Product	Rate	APY	Term
5 Month CD	-	4.00%	5 months
Min Deposit $1,000 Details Limited time CD Rate Special! Interest compounded quarterly. Fees may significantly reduce earnings. Offer may be withdrawn at anytime. Not available for Brokers / Agents / Public Entities / Financial Institutions. Offer for New Money Only. Last Updated 06/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 month	0.05%	0.05%
Min Balance $1,000 Last Updated 06/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
18 month	0.05%	0.05%
Min Balance $1,000 Last Updated 06/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 month	0.05%	0.05%
Min Balance $1,000 Last Updated 06/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36 month	0.05%	0.05%
Min Balance $1,000 Last Updated 06/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48 month	0.05%	0.05%
Min Balance $1,000 Last Updated 06/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 month	0.05%	0.05%
Min Balance $1,000 Last Updated 06/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

First Nations Bank Mortgage Rates

Product	Rate	Points	APR	Term
15 Yr Fixed FNB Home Mortgage	5.75%	-	5.82%	15 years
Details The Mortgage Rates and Annual Percentage Rates (APRs) shown above are the current rates as of 06/04/2026 for a Rate & Term Refinance (No Cash-out) Loan with 360 monthly payments of $1,297.20 for 30 years and 180 monthly payments of $1,660.83 for 15 years. Monthly payments include principal and interest and do not include property taxes and insurance premiums. The actual payment will be greater. The rates and payments are based on the following assumptions: property is a single-family primary residence located in Cook County, IL based on a 30-day lock period, conforming loan amount of $200,000.00, a first lien position with a loan-to-value (LTV) of 80%, and a credit score of 780. Interest rate and program terms are subject to change without notice and may be subject to pricing adjustments related to loan type, property type, property location, occupancy type, loan amount, loan-to-value, credit score, refinance with cash out and other conditions. Your final rate, points, finance charges and costs may be higher or lower than those shown above based on information relating to these factors, which may be determined after you apply. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown above is based on the interest rate and any discount points. It does not take into account any other loan specific finance charges or costs that you may be required to pay. Loan approval is subject to credit approval and program guidelines. Property insurance is required, and flood insurance may be required. Mortgage insurance may be required depending upon loan guidelines. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. FNB Home Mortgage is a division of First Nations Bank NMLS #756040 Last Updated 06/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
30 Yr Fixed FNB Home Mortgage	6.75%	-	6.82%	30 years
Details The Mortgage Rates and Annual Percentage Rates (APRs) shown above are the current rates as of 06/04/2026 for a Rate & Term Refinance (No Cash-out) Loan with 360 monthly payments of $1,297.20 for 30 years and 180 monthly payments of $1,660.83 for 15 years. Monthly payments include principal and interest and do not include property taxes and insurance premiums. The actual payment will be greater. The rates and payments are based on the following assumptions: property is a single-family primary residence located in Cook County, IL based on a 30-day lock period, conforming loan amount of $200,000.00, a first lien position with a loan-to-value (LTV) of 80%, and a credit score of 780. Interest rate and program terms are subject to change without notice and may be subject to pricing adjustments related to loan type, property type, property location, occupancy type, loan amount, loan-to-value, credit score, refinance with cash out and other conditions. Your final rate, points, finance charges and costs may be higher or lower than those shown above based on information relating to these factors, which may be determined after you apply. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown above is based on the interest rate and any discount points. It does not take into account any other loan specific finance charges or costs that you may be required to pay. Loan approval is subject to credit approval and program guidelines. Property insurance is required, and flood insurance may be required. Mortgage insurance may be required depending upon loan guidelines. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. FNB Home Mortgage is a division of First Nations Bank NMLS #756040 Last Updated 06/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Nations Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Nations Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Nations Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Nations Bank

Bank Holding Company ILLINOIS STATE BCORP INC

Address 7757 W Devon Ave, Chicago, IL 60631 · Cook

Website https://www.fnbwbank.com

FDIC Certificate # 22282

Established 06/07/1976

FDIC Insurance Date 06/07/1976

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0998%

Return on Equity (ROE) 9.2300%

Non-Performing Loans (NPL) 0.00%

Total Assets $540,445,000

Total Deposits $441,749,000

Equity Capital $72,361,000

Net Income $6,005,000

Headquarters Chicago

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About First Nations Bank

How many branches does First Nations Bank operate?

First Nations Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Nations Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Nations Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Nations Bank offer online and mobile banking?

Most modern institutions like First Nations Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fnbwbank.com.