What are the current interest rates at FNB of Osakis?

Current rates for FNB of Osakis include: 12-Month CD: 3.50%

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FNB of Osakis

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FNB of Osakis Rates & Review May 2026

Q: How many branches does FNB of Osakis operate?

FNB of Osakis currently maintains approximately 1 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, FNB of Osakis 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, FNB of Osakis 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: May 5, 2026

FNB of Osakis's 7-Month CD rates are at 3.75%, 11-Month CD rates are at 3.50%. MonitorBankRates evaluates the financial stability of FNB of Osakis with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.67%. Rates were last updated on 05/05/2026.

FNB of Osakis 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 Osakis? Share your experience about FNB of Osakis by leaving a review below, or read customer reviews before you decide to use FNB of Osakis.

Verified Strong Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.67%

Excellent Lower than avg

FNB of Osakis

211 Central Avenue
Osakis, MN 56360

https://www.fnbosakis.com

FNB of Osakis CD Rates

Product	Rate	APY	Term
7-Month CD	3.70%	3.75%	7
Min Deposit $500 Details Rate effective beginning 12/11/2025. Restrictions may apply. Rate may change at any time. Penalty for early withdrawal. Fees could reduce earnings. Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
11-Month CD	3.45%	3.50%	11
Min Deposit $500 Details Rate effective beginning 12/11/2025. Restrictions may apply. Rate may change at any time. Penalty for early withdrawal. Fees could reduce earnings. Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

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 FNB of Osakis 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 Osakis 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 Osakis's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB of Osakis

Bank Holding Company FINANCIAL SERVICES LOWRY INC

Address 211 Central Avenue, Osakis, MN 56360 · Douglas

Website https://www.fnbosakis.com

FDIC Certificate # 5221

Established 06/08/1903

FDIC Insurance Date 01/01/1934

Domestic Offices 1

Total Branches 1

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.67%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5927%

Return on Equity (ROE) 7.0000%

Non-Performing Loans (NPL) 0.37%

Total Assets $95,122,000

Total Deposits $77,906,000

Equity Capital $8,996,000

Net Income $1,075,000

Headquarters Osakis

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

FNB of Osakis earned the Verified Strong badge

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Frequently Asked Questions About FNB of Osakis

How many branches does FNB of Osakis operate?

FNB of Osakis currently maintains approximately 1 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 Osakis 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 Osakis provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Osakis offer online and mobile banking?

Most modern institutions like FNB of Osakis 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.fnbosakis.com.