Mortgage Rates

Rate & Term Refinance (No Cash-out) Loan

30 year

15 year

7.875% with 7.968% APR*   

6.750% with 6.882% APR*

 *See Disclosure 2 Below

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

Apply Today!

CURRENT CD SPECIAL

5.25% APY*

7 Month Certificate

 

*Annual Percentage Yield effective as of 01/22/2024 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 Offer may be withdrawn at any time.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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HOME EQUITY LINE OF CREDIT SPECIAL

HELOC*

     •   Home Improvement / Remodeling   •   Personal Needs   •   New Car Financing   •   Debt Consolidation   •   Education Financing

     •   Prime minus .50% (8.50% APR)

     •   5.50%  Floor

     * See Disclosure 1 Below

Apply Today!

NO PAPER.

NO HASSLES.

Switch to Paperless Billing, Online Tax forms, E-Statements and E-Notices.

No paper wasted, avoid lost or stolen statements and no misplaced bills.

Totally Free Checking.

FREE means no minimum balances

FREE means no monthly service fees

FREE and easy online & mobile access through Digital Banking

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Custom Alerts Can Help Monitor Your Account!

Alerts provide additional protection from fraudulent charges or overdraft fees.

You can choose and customize the alerts you want to receive for your accounts.

Account Alerts          Debit Card Alerts          Bill Payment Alerts          Service Alerts

Set Up Alerts Today!

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Are you looking to build a new house?

We provide financing for Construction Loans!

Contact us today!

Spring into Action.

Are you looking to do some springtime projects around the house?

Apply today for a Home Equity Loan!

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First Nations Bank News

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Get Started With Digital Banking

Enroll in Online Banking

  • To enroll you will need to go to the First Nations Bank website at www.firstnations.bank, in the top right Online Banking Login section, select Enroll.
  • Follow the instructions to complete your enrollment.

To enroll, you'll need:

  • The account number of your eligible account.
  • The last four digits of your Social Security number.
  • You will need your email address.
  • You will need to know your previous month's ending balance.
  • When you create your password, make sure it's unique and change it frequently.
  • You will need to log onto online banking at www.firstnations.bank to add your mobile device prior to using the mobile app.  If you skip this step the mobile app will not work. 

Enroll in Mobile Banking

  • You will need to enroll in Online Banking prior to setting up the mobile app. 
  • To setup the mobile app, go to the app store on your mobile device, search FNBW Mobile, download the app and follow the prompts.
  • Once you have downloaded the app, log onto Online Banking, and add your mobile device in the mobile banking center.

Enroll in Estatements

To receive online statements, log into online banking at www.firstnations.bank:

  • Go to Customer Service.
  • Under Account Maintenance, select "Change statement delivery method."
  • You will see a list of your accounts along with a drop down box.  You can choose "Online" or "Paper delivery".
  • If you are requesting "Online" delivery you will need to read and agree to the terms of the "Online Statement Service Agreement and Disclosure." 
  • With "Online" delivery, paper copies of your documents will no longer be produced. 
  • If you change an account's statement delivery method from "Online" to "Paper", you will lose access to any statements previously delivered online. You may want to save your online statements before making this change.

To view your online statements:

  • Go to Accounts.
  • Click on Statements and select the name of the account.
  • Choose the date of the statement you'd like to view.

Pay bills fast-no stamp needed!

If you did not enroll in bill pay at the time of your Online Banking enrollment, you can enroll by:    

Logging into Online Banking

  • Under Pay and Transfer.
  • Click Pay Bills, then Enroll Now.
  • Under eligible accounts, click the drop down and choose an account.
  • Click enroll. 
  • Your request will be processed within 2 business days. Once processing is complete, you will receive a confirmation e-mail and you can then begin using all of the features of online bill pay.

To make a Transfer or Scheduled Transfers.

Before making any type of transfer you will need to establish a transfer relationship between the accounts.  Please contact your personal banker.

Once the transfer relationship has been established:

  • Go to Pay and Transfer.
  • Under Funds Transfer, select Make a Transfer.
  • First, choose the account you want to transfer from.
  • Next, select the account you want to transfer to.
  • Third, enter the amount of the transfer.
  • You will now select the frequency of the transfer.
  • To complete the transfer click, Continue.
  • You can also transfer between your accounts through the Mobile app!

Did you know you can add alerts to automatically notify you when payments and transfers are made or if they fail?

  • Log onto Online Banking and click on Customer Service.
  • Click on Contact Options, then click on Manage Alerts. 
  • Choose the alerts that are right for you! 

Get Started with External Transfers.

What is an external transfer?

An external transfer is a way for you to move funds between accounts you have with us and accounts held at another financial institution. If you want to transfer money from your account with us into an account held at another financial institution—or vice versa—it is an external transfer. If you want this transfer to occur on a regular basis, you can set up a recurring external transfer.

What are the benefits of external transfers?

External transfers are a fast, easy, and safe way to move funds between accounts at different financial institutions. At any time from any computer you can transfer funds to one of your accounts.

What types of accounts are eligible for external transfers?

You can use checking and savings accounts that you are on as an individual or joint account holder.

How do I setup an external transfer?

  • Log onto Online Banking.  Go to Pay and Transfer.
  • Click on Make an External Transfer. 
  • Click Add an External Transfer Account.
  • Choose Checking or Savings.  Enter the Routing Number and the Account Number of the bank that you are transferring to.
  • The bank will then verify the external transfer account information with the other financial institution within 3 business days.
  • Once this process is complete, you will be ready to setup a one-time or recurring external transfer through the online banking.

    For external transfer disclosure information, please refer to our FNB online banking disclosure.

 

* Disclosure 1 - The Annual Percentage Rates (‘APRs’) are accurate as of July 26, 2023. The total term of the Home Equity Line of Credit (‘HELOC’) is 24 months. The APR is a variable rate based on an index of the highest Prime Rate reported each day in the Money Rates section of the Wall Street Journal (the “WSJ Prime”), minus a margin of .50% with a floor of  5.50%. On July 26, 2023, the WSJ Prime Rate was 8.50% resulting in the following APR for loan amounts from $50,000.00 to $400,000.00: 8.00% (Prime -.50%). The minimum APR is 5.50% and the maximum APR is 15.00%. Rates are subject to change daily. Interest only minimum payments required and will result in a balloon payment.  Minimum loan amount is $50,000.00 and Maximum loan amount is $400,000.00.  A Minimum draw of $10,000.00 is required within 15 calendar days of closing. The minimum for additional draws is $250.00. There is an annual fee of $50, but it will be waived for the first year. Offer applies to lines secured by owner occupied, one-to four-family residences with a maximum Combined Loan to Value (CLTV) of 75%.  Property insurance is required and flood insurance may be required. Consult a tax advisor regarding the deductibility of interest. Pricing shown assumes borrower meets underwriting guidelines and has an initial draw of $10,000.00 within 15 calendar days of closing, otherwise credit may not be available. See your loan officer for details. No Closing Costs. First Nations Bank reserves the right to withdraw, suspend, or alter this offer at any time without notice. 7/26/2023.

* Disclosure 2 - The Mortgage Rates and Annual Percentage Rates (APR) shown above are the current rates as of 02/28/2024 for a Rate & Term Refinance (No Cash-out) Loan with 360 monthly payments of $1,450.14 for 30 years and 180 monthly payments of $1,769.82 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 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.