Banks | Frandsen Bank & Trust

Frandsen Bank & Trust

Frandsen Bank & Trust is an FDIC insured institution headquartered at 116 Central St W, Lonsdale, MN 55046.
It was founded in 1901 and has approximately $4 billion in assets. Customers can open an account at one of its 38 branches.

Deposit Rates - December 25, 2025

SAVINGS RATES	APY	MIN
Savings	0.01%	$2,500	Compare
Savings	0.05%	$2,500	Compare
Savings	0.02%	$2,500	Compare
Savings	0.10%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.10%	$10,000	Compare
6 Mo CD	0.15%	$10,000	Compare
6 Mo CD	0.01%	$10,000	Compare
6 Mo CD	0.50%	$10,000	Compare
6 Mo CD	0.08%	$10,000	Compare
6 Mo CD	0.05%	$10,000	Compare
6 Mo CD	0.13%	$10,000	Compare
6 Mo CD	0.09%	$10,000	Compare
6 Mo CD	0.15%	$100,000	Compare
6 Mo CD	0.20%	$100,000	Compare
6 Mo CD	0.13%	$100,000	Compare
6 Mo CD	0.10%	$100,000	Compare
6 Mo CD	0.12%	$100,000	Compare
6 Mo CD	0.01%	$100,000	Compare
6 Mo CD	0.50%	$100,000	Compare
6 Mo CD	0.07%	$100,000	Compare
6 Mo CD	0.09%	$100,000	Compare
12 Mo CD	0.20%	$10,000	Compare
12 Mo CD	0.25%	$10,000	Compare
12 Mo CD	0.15%	$10,000	Compare
12 Mo CD	0.17%	$10,000	Compare
12 Mo CD	0.30%	$10,000	Compare
12 Mo CD	0.10%	$10,000	Compare
12 Mo CD	0.07%	$10,000	Compare
Special: 12 Mo CD	0.40%	$50,000	Compare
12 Mo CD	0.25%	$100,000	Compare
12 Mo CD	0.20%	$100,000	Compare
12 Mo CD	0.15%	$100,000	Compare
12 Mo CD	0.30%	$100,000	Compare
12 Mo CD	0.10%	$100,000	Compare
Special: 14 Mo CD	0.40%	$50,000	Compare
Special: 18 Mo CD	0.50%	$5,000	Compare
18 Mo CD	0.20%	$10,000	Compare
18 Mo CD	0.25%	$10,000	Compare
18 Mo CD	0.17%	$10,000	Compare
18 Mo CD	0.15%	$10,000	Compare
18 Mo CD	0.35%	$10,000	Compare
18 Mo CD	0.10%	$10,000	Compare
18 Mo CD	0.09%	$10,000	Compare
18 Mo CD	0.18%	$10,000	Compare
18 Mo CD	0.40%	$100,000	Compare
18 Mo CD	0.35%	$100,000	Compare
18 Mo CD	0.30%	$100,000	Compare
18 Mo CD	0.20%	$100,000	Compare
18 Mo CD	0.25%	$100,000	Compare
18 Mo CD	0.15%	$100,000	Compare
18 Mo CD	0.10%	$100,000	Compare
18 Mo CD	0.13%	$100,000	Compare
18 Mo CD	0.18%	$100,000	Compare
24 Mo CD	0.35%	$10,000	Compare
24 Mo CD	0.30%	$10,000	Compare
24 Mo CD	0.25%	$10,000	Compare
24 Mo CD	0.20%	$10,000	Compare
24 Mo CD	0.45%	$10,000	Compare
24 Mo CD	0.15%	$10,000	Compare
24 Mo CD	0.12%	$10,000	Compare
24 Mo CD	0.40%	$10,000	Compare
24 Mo CD	0.22%	$10,000	Compare
24 Mo CD	0.45%	$100,000	Compare
24 Mo CD	0.35%	$100,000	Compare
24 Mo CD	0.33%	$100,000	Compare
24 Mo CD	0.40%	$100,000	Compare
24 Mo CD	0.20%	$100,000	Compare
24 Mo CD	0.30%	$100,000	Compare
24 Mo CD	0.25%	$100,000	Compare
24 Mo CD	0.15%	$100,000	Compare
24 Mo CD	0.14%	$100,000	Compare
24 Mo CD	0.50%	$100,000	Compare
24 Mo CD	0.22%	$100,000	Compare
Special: 27 Mo CD	0.75%	$2,500	Compare
30 Mo CD	0.40%	$10,000	Compare
30 Mo CD	0.35%	$10,000	Compare
30 Mo CD	0.30%	$10,000	Compare

MM RATES	APY	MIN
Money Market	0.01%	$2,500	Compare
Money Market	0.02%	$2,500	Compare
Money Market	0.01%	$10,000	Compare
Money Market	0.03%	$10,000	Compare
Money Market	0.02%	$10,000	Compare
Money Market	0.04%	$10,000	Compare
Money Market	0.01%	$25,000	Compare
Money Market	0.05%	$25,000	Compare
Money Market	0.02%	$25,000	Compare
Money Market	0.03%	$25,000	Compare
Money Market	0.10%	$25,000	Compare
Money Market	0.07%	$25,000	Compare
Money Market	0.04%	$25,000	Compare

FIXED IRA RATES	APY	MIN
Fixed IRA	0.14%	$1
Special: 12 Mo FIRA	0.40%	$50,000
Special: 14 Mo FIRA	0.40%	$50,000
Special: 18 Mo FIRA	0.50%	$10,000
Special: 27 Mo FIRA	0.75%	$2,500

VARIABLE IRA RATES	APY	MIN
Var IRA	0.01%	$1
Var IRA	0.02%	$1

INT CHECKING RATES	APY	MIN
Int Ckg	0.01%	$1
Int Ckg	0.01%	$2,500
Int Ckg	0.03%	$2,500

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
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Advertiser Disclosure

Figure Home Equity Line
NMLS ID: 1717824 / Updated 2025-12-24
Equal Housing Lender

#1 Non-bank HELOC in the US, A+ BBB Rating

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Third Federal Savings and Loan
NMLS ID: 449401 / Updated 2025-12-24
Equal Housing Lender

Intro APR: 6.240 %
After Intro:6.240 %

Third Federal rate are typically 20% lower than other leaders
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10 year draw period

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

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Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-12-22

Intro APR: 5.990 %
After Intro:7.000 %
Intro Period: 12 months

$25,000

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Farmers Bank of Kansas City
NMLS ID: 613839 / Updated 2025-06-20
Equal Housing Lender

Intro APR: 8.500 %
After Intro:8.500 %

$25,000

Customized Rate Quote
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Streamlined Online Application
Up to 100% LTV

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Reliant Home Funding, Inc.
NMLS ID: 292473

5.761%

$1,843 Fees & Points $4,792 Total
0.874 Pts ($2,797)
$1,995 Fees

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding

PenFed Credit Union
NMLS ID: 401822

6.163%

$1,919 Fees & Points $5,600 Total
0.750 Pts ($2,400)
$3,200 Fees

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Quicken Loans
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Fees & Points Total
Pts ($0)
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See if a HELOAN could lower payments
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Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Overview 2025

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 1399
Date Established	1901
Assets	$ 3.56 billion
Loans	$ 2.49 billion
Deposits	$ 3.05 billion
Capital	$ 371.00 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 109.28 million
Interest-bearing balances	$ 64.29 million
Total securities	$ 685.56 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 2.49 billion
Loan loss allowance	$ 34.52 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 0.04 million
Goodwill and other intangibles	$ 145.41 million
All other assets	$ 77.37 million
Total Assets	$ 3.19 billion

LIABILITIES
Total deposits	$ 3.05 billion
Interest-bearing deposits	$ 2.32 billion
Deposits held in domestic offices	$ 3.05 billion
% insured (estimated)"	79.08%
Federal funds purchased and repurchase agreements	$ 22.62 million
Trading liabilities	N.A.
Other borrowed funds	$ 0.20 million
Subordinated debt	N.A.
All other liabilities	$ 11.30 millionn
Total Liabilities	$ 3.19 billion
Shareholders’ Equity	$ 371.00 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 90.30 million
Total Interest Expense	$ 27.51 million
Net interest income	$ 62.79 million
Provision for loan and lease losses	$ 3.05 million
Total non interest income	$ 13.16 million
Total non interest expense	$ 43.99 million
Pre-tax Net Operating Income	$ 23.63 million

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