# Bank First CD rates

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.

Canonical page: https://apyledger.com/cd-rates/bank-first
Institution: Bank First, N.A. (FDIC 5304)
Aliases: 
Status: live
Last verified: 2026-10-23T11:31:24.000Z (October 23, 2026)
Official source: https://bankfirst.com/support-resources/rates
Coverage: 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.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 6 months | $1,000 | 2.28% | Not ZIP-priced | −2.06% | 2026-10-23T11:31:24.000Z | [Snapshot 998](https://apyledger.com/snapshots/998) |
| 7 Month Special CD | relationship | 7 months | $5,000 | 3.75% | Not ZIP-priced | −0.61% | 2026-10-23T11:31:24.000Z | [Snapshot 998](https://apyledger.com/snapshots/998) |
| 11 Month Special CD | relationship | 11 months | $5,000 | 3.85% | Not ZIP-priced | −0.59% | 2026-10-23T11:31:24.000Z | [Snapshot 998](https://apyledger.com/snapshots/998) |
| Certificate of Deposit | standard | 12 months | $1,000 | 2.28% | Not ZIP-priced | −2.18% | 2026-10-23T11:31:24.000Z | [Snapshot 998](https://apyledger.com/snapshots/998) |
| Certificate of Deposit | standard | 18 months | $1,000 | 2.28% | Not ZIP-priced | −2.30% | 2026-10-23T11:31:24.000Z | [Snapshot 998](https://apyledger.com/snapshots/998) |
| 23 Month Special CD | relationship | 23 months | $5,000 | 4.10% | Not ZIP-priced | −0.58% | 2026-10-23T11:31:24.000Z | [Snapshot 998](https://apyledger.com/snapshots/998) |
| Certificate of Deposit | standard | 24 months | $1,000 | 2.28% | Not ZIP-priced | −2.42% | 2026-10-23T11:31:24.000Z | [Snapshot 998](https://apyledger.com/snapshots/998) |
| 35 Month Special CD | relationship | 35 months | $5,000 | 4.18% | Not ZIP-priced | −0.59% | 2026-10-23T11:31:24.000Z | [Snapshot 998](https://apyledger.com/snapshots/998) |
| Certificate of Deposit | standard | 36 months | $1,000 | 2.28% | Not ZIP-priced | −2.50% | 2026-10-23T11:31:24.000Z | [Snapshot 998](https://apyledger.com/snapshots/998) |
| Certificate of Deposit | standard | 48 months | $1,000 | 2.28% | Not ZIP-priced | −2.53% | 2026-10-23T11:31:24.000Z | [Snapshot 998](https://apyledger.com/snapshots/998) |
| Certificate of Deposit | standard | 60 months | $1,000 | 2.28% | Not ZIP-priced | −2.56% | 2026-10-23T11:31:24.000Z | [Snapshot 998](https://apyledger.com/snapshots/998) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.