Bank First CD Rates — October 2026
As of October 23, 2026, Bank First's highest tracked CD rate is 4.18% APY on a 35-month relationship CD ($5,000 minimum). That is 3.0 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 2.28% to 2.28% APY.
Tracking began .
With $10,000 and no relationship requirement: 2.28% on 6 months
Bank First CD rates
Regular CDs open with $1,000. Special CDs require $5,000 and an active Bank First checking account with direct deposit. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Certificate of Deposit | $1,000 | 2.28%Free rate alert | −2.06% | Top 78% of tracked 6-month CDs · Verified October 23, 2026 |
| 7 months | 7 Month Special CD Relationship | $5,000 | 3.75%Free rate alert | −0.61% | Verified October 23, 2026 |
| 11 months | 11 Month Special CD Relationship | $5,000 | 3.85%Free rate alert | −0.59% | Verified October 23, 2026 |
| 12 months | Certificate of Deposit | $1,000 | 2.28%Free rate alert | −2.18% | Top 80% of tracked 12-month CDs · Verified October 23, 2026 |
| 18 months | Certificate of Deposit | $1,000 | 2.28%Free rate alert | −2.30% | Top 80% of tracked 18-month CDs · Verified October 23, 2026 |
| 23 months | 23 Month Special CD Relationship | $5,000 | 4.10%Free rate alert | −0.58% | Verified October 23, 2026 |
| 24 months | Certificate of Deposit | $1,000 | 2.28%Free rate alert | −2.42% | Top 76% of tracked 24-month CDs · Verified October 23, 2026 |
| 35 months | 35 Month Special CD Relationship | $5,000 | 4.18%Free rate alert | −0.59% | Verified October 23, 2026 |
| 36 months | Certificate of Deposit | $1,000 | 2.28%Free rate alert | −2.50% | Top 72% of tracked 36-month CDs · Verified October 23, 2026 |
| 48 months | Certificate of Deposit | $1,000 | 2.28%Free rate alert | −2.53% | Top 71% of tracked 48-month CDs · Verified October 23, 2026 |
| 60 months | Certificate of Deposit | $1,000 | 2.28%Free rate alert | −2.56% | Top 73% of tracked 60-month CDs · Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Bank First's best CD rates by term?
Bank First's best rate is 4.18% APY on 35 months, verified October 23, 2026.
- 6 mo2.28%
- 7 mo3.75%
- 11 mo3.85%
- 12 mo2.28%
- 18 mo2.28%
- 23 mo4.10%
- 24 mo2.28%
- 35 mo4.18%
- 36 mo2.28%
- 48 mo2.28%
- 60 mo2.28%
How much interest could a Bank First CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$1,269.15 interest · $11,269.15 at maturity on $10,000.00.
4.18% APY · 35 months · 35 Month Special CD · Relationship · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $56.832.28% APY · Certificate of Deposit · Standard | $113.672.28% APY · Certificate of Deposit · Standard | $284.172.28% APY · Certificate of Deposit · Standard | $568.352.28% APY · Certificate of Deposit · Standard |
| 7 months | $108.583.75% APY · 7 Month Special CD · Relationship | $217.163.75% APY · 7 Month Special CD · Relationship | $542.893.75% APY · 7 Month Special CD · Relationship | $1,085.783.75% APY · 7 Month Special CD · Relationship |
| 11 months | $176.403.85% APY · 11 Month Special CD · Relationship | $352.803.85% APY · 11 Month Special CD · Relationship | $882.013.85% APY · 11 Month Special CD · Relationship | $1,764.023.85% APY · 11 Month Special CD · Relationship |
| 12 months | $114.002.28% APY · Certificate of Deposit · Standard | $228.002.28% APY · Certificate of Deposit · Standard | $570.002.28% APY · Certificate of Deposit · Standard | $1,140.002.28% APY · Certificate of Deposit · Standard |
| 18 months | $172.132.28% APY · Certificate of Deposit · Standard | $344.262.28% APY · Certificate of Deposit · Standard | $860.652.28% APY · Certificate of Deposit · Standard | $1,721.312.28% APY · Certificate of Deposit · Standard |
| 23 months | $400.544.10% APY · 23 Month Special CD · Relationship | $801.084.10% APY · 23 Month Special CD · Relationship | $2,002.704.10% APY · 23 Month Special CD · Relationship | $4,005.404.10% APY · 23 Month Special CD · Relationship |
| 24 months | $230.602.28% APY · Certificate of Deposit · Standard | $461.202.28% APY · Certificate of Deposit · Standard | $1,153.002.28% APY · Certificate of Deposit · Standard | $2,305.992.28% APY · Certificate of Deposit · Standard |
| 35 months | $634.584.18% APY · 35 Month Special CD · Relationship | $1,269.154.18% APY · 35 Month Special CD · Relationship | $3,172.894.18% APY · 35 Month Special CD · Relationship | $6,345.774.18% APY · 35 Month Special CD · Relationship |
| 36 months | $349.862.28% APY · Certificate of Deposit · Standard | $699.712.28% APY · Certificate of Deposit · Standard | $1,749.282.28% APY · Certificate of Deposit · Standard | $3,498.572.28% APY · Certificate of Deposit · Standard |
| 48 months | $471.832.28% APY · Certificate of Deposit · Standard | $943.672.28% APY · Certificate of Deposit · Standard | $2,359.172.28% APY · Certificate of Deposit · Standard | $4,718.342.28% APY · Certificate of Deposit · Standard |
| 60 months | $596.592.28% APY · Certificate of Deposit · Standard | $1,193.182.28% APY · Certificate of Deposit · Standard | $2,982.962.28% APY · Certificate of Deposit · Standard | $5,965.912.28% APY · Certificate of Deposit · Standard |
How Bank First compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1065-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 3 of 5 tracked institutions with fresh 1065-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Bank First (this institution)35 Month Special CD · Relationship | 35 months | $5,000 | Branches in IL, WI | 4.18% | October 23, 2026 |
| 1st MidAmerica Credit Union (highest tracked APY for this term)35 Month Special Share Certificate · Promotional | 35 months | $1,000 | Membership required · branches in IL, MO | 4.58% | October 22, 2026 |
| FCB Banks49er Certificate of Deposit Specials · Promotional | 35 months | $1,000 | Branches in IL, MO | 4.30% | October 23, 2026 |
| BMO BankBMO CD Specials · Promotional | 35 months | $1,000 | Milwaukee, WI · ZIP 53202 | 3.15% | October 22, 2026 |
| Treasury (APY-equivalent) | 35 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.77% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Bank First on October 23, 2026.
About Bank First
- Legal name
- Bank First, N.A.
- Regulator ID
- FDIC 5304
- Headquarters
- Manitowoc, WI
- Available in
- IL, WI
- Total assets
- $5.9 billion
- Also known as
- Website
- www.bankfirst.com
Source: rates read from https://bankfirst.com/support-resources/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Bank First?
Among the rates we track, 4.18% APY on a 35-month relationship CD, as of October 23, 2026.
What is the minimum deposit for a Bank First CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $5,000.
How does Bank First's best CD rate compare with Treasury yields?
4.18% APY is −0.59% versus the 35-month Treasury yield of 4.77% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.18% a good CD rate?
It is 3.0 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Bank First CDs insured?
Bank First is an FDIC-insured bank (FDIC 5304). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Bank First's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Bank First's website and may change at any time. Confirm terms, minimums and eligibility with Bank First before opening an account. This page is not financial advice.