4.10% APY*

12 Month Certificate


*Annual Percentage Yield effective as of 01/27/2023 and subject to change without notice. Minimum deposit to open the account is $1,000.00. Early withdrawal penalties may apply.

Fees may significantly reduce earnings. Offer may be withdrawn at any time. Not Available for Brokers/Agents/Public Entities/Financial Institutions. Offer for New Money Only.

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Mortgage Rates

Rate & Term Refinance (No Cash-out) Loan

15 year

30 year

5.375% with 5.573% APR*   

6.500% with 6.628% APR*

 *See Disclosure 1 Below

For Purchase Loan Rates, call our Mortgage Loan Officer, Anna  Maria Garro NMLS #762537

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* Disclosure 1 - The Mortgage Rates and Annual Percentage Rates (APR) shown above are the current rates as of 01/31/2023 for a Rate & Term Refinance (No Cash-out) Loan with 180 monthly payments of $1,620.94 for 15 years and 360 monthly payments of $1,264.14 for 30 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 45 day lock period, conforming loan amount of $200,000, a first lien position with a loan-to-value (LTV) of 80%, a credit score of 720 and  borrower-paid finance charges of $2,200.  

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 borrower-paid finance charges of $2,200 and 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.

To lock a rate, you must submit a loan application to First Nations Bank and receive confirmation from a mortgage loan officer that your rate is locked.