Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
FNB of Waterloo Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 12, 2026
FNB of Waterloo's top rates as of October 12, 2026 are 3.96% APY on its 24-Months 24-Month Certificate of Deposit, 0.10% APY on savings, 0.40% APY on money market accounts, 0.15% APY on checking, 5.80% on its Current Adjustable Rate Mortgage (ARM) - 1 Year ARM, and auto loans from 6.10% APR, according to rates verified by MonitorBankRates. Other FNB of Waterloo CD rates include 12-Months 12-Month Certificate of Deposit at 3.91%, 6-Months 6-Month Certificate of Deposit at 3.70%, and 36-Months 36-Month Certificate of Deposit at 3.39%. Other FNB of Waterloo mortgage rates include Current Adjustable Rate Mortgage (ARM) - 7 Year ARM at 6.75%, Current Adjustable Rate Mortgage (ARM) - 10 Year ARM at 7.00%, and Current Adjustable Rate Mortgage (ARM) - 5 Year ARM at 6.25%. MonitorBankRates evaluates the financial stability of FNB of Waterloo with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.07%. Rates last updated and verified on 10/12/2026.
FNB of Waterloo 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 FNB of Waterloo? Share your experience about FNB of Waterloo by leaving a review below, or read customer reviews before you decide to use FNB of Waterloo.
FNB of Waterloo has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
FNB of Waterloo has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
8.07%
ExcellentHigher than avg
FNB of Waterloo Texas Ratio
FNB of Waterloo's Texas Ratio is 8.07%, which is considered excellent and is higher than the national average of 5.85%.
FNB of Waterloo has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.35% to 8.07% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this bank has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
FNB of Waterloo CD Rates
Product
Rate
APY
Term
View More
24 Month Certificate of Deposit
3.90%
3.96%
24 months
Min Deposit$1,000
Last Updated10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.85% → 3.96% ▲ 0.11 pts · high 3.96% / low 3.85%
Oct 4, 20263.96%▲ from 3.85%
Sep 20, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
12 Month Certificate of Deposit
3.85%
3.91%
12 months
Min Deposit$1,000
Last Updated10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.75% → 3.91% ▲ 0.16 pts · high 3.91% / low 3.75%
Oct 4, 20263.91%▲ from 3.75%
Sep 20, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
6 Month Certificate of Deposit
3.65%
3.70%
6 months
Min Deposit$1,000
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
36 Month Certificate of Deposit
3.35%
3.39%
36 months
Min Deposit$1,000
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 3.39% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
18-Month IRA
3.30%
3.34%
18 months
Min Deposit$250
DetailsVariable Rate Compounded Monthly; Effective 03-01-2026; APY may change after the account is opened
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 3.34% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
48 Month Certificate of Deposit
3.30%
3.34%
48 months
Min Deposit$1,000
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 3.34% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
17 Month Certificate of Deposit
3.25%
3.29%
17 months
Min Deposit$1,000
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 3.29% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
60 Month Certificate of Deposit
3.25%
3.29%
60 months
Min Deposit$1,000
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 3.29% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
33 Month Certificate of Deposit
3.20%
3.24%
33 months
Min Deposit$1,000
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 3.24% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
3 Month Certificate of Deposit
2.95%
2.98%
3 months
Min Deposit$1,000
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 2.98% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
34 Month Certificate of Deposit
2.75%
2.78%
34 months
Min Deposit$1,000
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 2.78% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
15 Month Certificate of Deposit
1.25%
1.26%
15 months
Min Deposit$1,000
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 1.26% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB of Waterloo Savings Rates
Product
Rate
APY
View More
Christmas Club
0.10%
0.10%
Min Deposit$1
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB First Savings
0.10%
0.10%
Min Deposit$50
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Health Savings Account
0.10%
0.10%
Min Deposit$0
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Vacation Club
0.10%
0.10%
Min Deposit$1
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB of Waterloo Money Market Rates
Product
Rate
APY
View More
FNB Premier MMA
0.40%
0.40%
Min Deposit$1,000
Min Balance$100,000
DetailsBalance: $100,000 +
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB Premier MMA
0.35%
0.35%
Min Deposit$1,000
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB Premier MMA
0.35%
0.35%
Min Deposit$1,000
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB Premier MMA
0.35%
0.35%
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB Premier MMA
0.30%
0.30%
Min Deposit$1,000
Min Balance$0
DetailsBalance: $0 - $9,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB of Waterloo Business Money Market Rates
Product
Rate
APY
View More
FNB Premier MMA - Business
0.25%
0.25%
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB Premier MMA - Business
0.20%
0.20%
Min Deposit$1,000
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB Premier MMA - Business
0.15%
0.15%
Min Deposit$1,000
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB Premier MMA - Business
0.10%
0.10%
Min Deposit$1,000
Min Balance$0
DetailsBalance: $0 - $9,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB of Waterloo Checking Rates
Product
Rate
APY
View More
Classic 55 Checking
0.15%
0.15%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000+
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Check Plus Checking
0.10%
0.10%
Min Deposit$25
Min Balance$2,000
DetailsBalance: $2,000.00 - $9,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Check Plus Checking
0.10%
0.10%
Min Deposit$25
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Check Plus Checking
0.10%
0.10%
Min Deposit$25
Min Balance$25,000
DetailsBalance: $25,000.00 - $74,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Check Plus Checking
0.10%
0.10%
Min Deposit$25
Min Balance$75,000
DetailsBalance: $75,000 +
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Classic 55 Checking
0.10%
0.10%
Min Deposit$100
Min Balance$0
DetailsBalance: $0 - $49,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Check Plus Checking
0.05%
0.05%
Min Deposit$25
Min Balance$0
DetailsBalance: $0 - $1,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB of Waterloo Mortgage Rates
Product
Rate
Points
APR
Term
View More
Current Adjustable Rate Mortgage (ARM) - 7 Year ARM
6.75%
-
7.161%
7 Year
No additional details.
Last Updated10/12/2026
Rate History
2 changes since Sep 25, 2026 · 7.10% → 7.16% ▲ 0.06 pts · high 7.16% / low 7.10%
Oct 8, 20267.16%▲ from 7.16%
Oct 1, 20267.16%▲ from 7.10%
Sep 25, 20267.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Current Adjustable Rate Mortgage (ARM) - 10 Year ARM
7.00%
-
7.218%
10 Year
No additional details.
Last Updated10/12/2026
Rate History
2 changes since Sep 25, 2026 · 7.18% → 7.22% ▲ 0.04 pts · high 7.22% / low 7.18%
Oct 8, 20267.22%▲ from 7.22%
Oct 1, 20267.22%▲ from 7.18%
Sep 25, 20267.18%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Current Adjustable Rate Mortgage (ARM) - 5 Year ARM
6.25%
-
7.34%
5 Year
No additional details.
Last Updated10/12/2026
Rate History
1 change since Sep 25, 2026 · 7.27% → 7.34% ▲ 0.07 pts · high 7.34% / low 7.27%
Oct 8, 20267.34%▲ from 7.27%
Sep 25, 20267.27%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Current Adjustable Rate Mortgage (ARM) - 1 Year ARM
5.80%
-
7.393%
1 Year
No additional details.
Last Updated10/12/2026
Rate History
2 changes since Sep 25, 2026 · 7.28% → 7.39% ▲ 0.11 pts · high 7.39% / low 7.28%
Oct 8, 20267.39%▲ from 7.39%
Oct 1, 20267.39%▲ from 7.28%
Sep 25, 20267.28%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Current Adjustable Rate Mortgage (ARM) - 3 Year ARM
6.00%
-
7.52%
3 Year
No additional details.
Last Updated10/12/2026
Rate History
2 changes since Sep 25, 2026 · 7.34% → 7.52% ▲ 0.18 pts · high 7.52% / low 7.34%
Oct 8, 20267.52%▲ from 7.43%
Oct 1, 20267.43%▲ from 7.34%
Sep 25, 20267.34%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB of Waterloo Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Vehicles (2024-2025) Loan
5.875%
-
6.10%
up to 35 months
DetailsNew vehicles require 10% down payment
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 6.10% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
New Vehicles (2024-2025) Loan
6.00%
-
6.17%
36-48 months
DetailsNew vehicles require 10% down payment
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 6.17% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
New Vehicles (2024-2025) Loan
6.125%
-
6.26%
49-60 months
DetailsNew vehicles require 10% down payment
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 6.26% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
New Vehicles (2024-2025) Loan
6.325%
-
6.44%
61-72 months
DetailsNew vehicles require 10% down payment
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 6.44% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Used Vehicles Loan
7.25%
-
7.59%
up to 36 months
DetailsModel Year: 2019-2021; Used vehicle loans require 20% down payment
Last Updated10/12/2026
Rate History
No change since Sep 16, 2026 · 7.59% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
New Vehicles (2024-2025) Loan
7.625%
-
7.73%
73-84 months
DetailsNew vehicles require 10% down payment
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 7.73% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Used Vehicles Loan
7.00%
-
7.86%
up to 48 months
DetailsModel Year: 2022-2023; Used vehicle loans require 20% down payment
Last Updated10/12/2026
Rate History
No change since Sep 16, 2026 · 7.86% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Used Vehicles Loan
7.875%
-
8.37%
up to 24 months
DetailsModel Year: 2018 or older; Used vehicle loans require 20% down payment
Last Updated10/12/2026
Rate History
No change since Sep 16, 2026 · 8.37% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB of Waterloo Other Rates
Product
Rate
Points
APY/APR
Term
View More
Construction Loan - 12 Month
5.50%
-
8.185%
12 Month
DetailsInterest only; owner-occupied residences, minimum 20% down payment/equity position
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 8.19% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB Business Check Plus
0.10%
-
0.10%
Min Deposit$100
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
FNB Non-Personal Check Plus
0.10%
-
0.10%
Min Deposit$100
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.07%
Financial Health History
FNB of Waterloo’s Texas Ratio rose from 2.35% in Q3 2023 to 8.07% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$929M
8.07%
5.0
A
March 31, 2026
$949M
8.27%
5.0
A
December 31, 2025
$930M
9.17%
5.0
A
September 30, 2025
$926M
8.92%
5.0
A
June 30, 2025
$927M
11.96%
5.0
A
March 31, 2025
$930M
12.33%
5.0
A
December 31, 2024
$931M
11.07%
5.0
A
September 30, 2024
$923M
11.23%
5.0
A
June 30, 2024
$918M
5.45%
5.0
A+
March 31, 2024
$934M
5.67%
5.0
A+
December 31, 2023
$939M
4.45%
5.0
A+
September 30, 2023
$917M
2.35%
5.0
A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for FNB of Waterloo 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 FNB of Waterloo 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 FNB of Waterloo's official website for the most current offers and terms.
Bank Profile & Overview
Institution NameFNB of Waterloo
Bank Holding CompanyFIRST WATERLOO BANCSHARES INC
Address
228 S Main St,
Waterloo, IL 62298 · Monroe
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for FNB of Waterloo yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for FNB of Waterloo
Frequently Asked Questions About FNB of Waterloo
How many branches does FNB of Waterloo operate?
FNB of Waterloo currently maintains approximately 16 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, FNB of Waterloo 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, FNB of Waterloo provides members with tools to manage their accounts and build a solid financial history.
Does FNB of Waterloo offer online and mobile banking?
Most modern institutions like FNB of Waterloo 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.fnbwaterloo.bank.
Current FNB of Waterloo Rates
12-Month CD3.91%
18-Month CD3.29%
24-Month CD3.96%
36-Month CD3.39%
48-Month CD3.34%
60-Month CD3.29%
Savings0.10%
MMA0.40%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
