Bank Five Nine CD Rates — October 2026

As of October 22, 2026, Bank Five Nine's highest tracked CD rate is 4.65% APY on a 23-month relationship CD ($2,500 minimum). That is 3.0 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.00% to 4.50% APY.

Last verified October 22, 2026 from www.bankfivenine.com · FDIC-insured bank · Oconomowoc, WI

Tracking began October 22, 2026.

Best APY4.65%23 months, $2,500 min

vs. Treasury−0.19%same-term Treasury 4.84%

vs. national average3.0×FDIC national average 1.55%

After inflation0.91%CPI 3.7% year over year

$10,000 earns$911over 23 months, before tax

Bank Five Nine CD rates

Standard CDs from 6 to 60 months ($1,000) and 7-, 11-, 16- and 23-month specials ($2,500, new money only, up to $250,000) with higher relationship APYs for customers with an active Bank Five Nine consumer checking account. Specials renew into standard terms. Early withdrawal penalties may apply.

Bank Five Nine CD rates
Term	Product	Minimum	APY	vs. Treasury
6 months	6 Month CD	$1,000	3.00%Top 69% · $10k reference sampleVerified October 22, 2026	−1.40%
7 months	7 Month Special CD (Relationship) Relationship	$2,500	3.90%Verified October 22, 2026	−0.53%
7 months	7 Month Special CD Promotional	$2,500	3.65%Verified October 22, 2026	−0.78%
11 months	11 Month Special CD (Relationship) Relationship	$2,500	4.10%Verified October 22, 2026	−0.44%
11 months	11 Month Special CD Promotional	$2,500	3.85%Verified October 22, 2026	−0.69%
12 months	12 Month CD	$1,000	3.50%Top 60% · $10k reference sampleVerified October 22, 2026	−1.07%
16 months	16 Month Special CD (Relationship) Relationship	$2,500	4.45%Verified October 22, 2026	−0.22%
16 months	16 Month Special CD Promotional	$2,500	4.20%Verified October 22, 2026	−0.47%
23 months	23 Month Special CD (Relationship) Relationship	$2,500	4.65%Verified October 22, 2026	−0.19%
23 months	23 Month Special CD Promotional	$2,500	4.40%Verified October 22, 2026	−0.44%
24 months	Young American CD Special	$200	3.75%Top 40% · $10k reference sampleVerified October 22, 2026	−1.12%
24 months	24 Month CD	$1,000	3.75%Top 40% · $10k reference sampleVerified October 22, 2026	−1.12%
36 months	36 Month CD	$1,000	4.00%Top 24% · $10k reference sampleVerified October 22, 2026	−0.95%
48 months	48 Month CD	$1,000	4.25%Top 12% · $10k reference sampleVerified October 22, 2026	−0.73%
60 months	60 Month CD	$1,000	4.50%Top 7% · $10k reference sampleVerified October 22, 2026	−0.51%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Watch the renewal rate

The best promotional rate here is 4.40% APY (23 months). The standard rate for a similar term is 3.75% APY (24 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $65 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal · Set a maturity reminder

What are Bank Five Nine's best CD rates by term?

Bank Five Nine's best rate is 4.65% APY on 23 months, verified October 22, 2026.

6 mo3.00%
7 mo3.90%
11 mo4.10%
12 mo3.50%
16 mo4.45%
23 mo4.65%
24 mo3.75%
36 mo4.00%
48 mo4.25%
60 mo4.50%

Calculate earnings at 4.65% for 23 months

How much interest could a Bank Five Nine 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.

$910.79 interest · $10,910.79 at maturity on $10,000.00.

4.65% APY · 23 months · 23 Month Special CD (Relationship) · Relationship · verified October 22, 2026.

Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.

Add a CD maturity reminder

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term	$5,000	$10,000	$25,000	$50,000
6 months	$74.653.00% APY · 6 Month CD · Standard	$149.303.00% APY · 6 Month CD · Standard	$373.263.00% APY · 6 Month CD · Standard	$746.513.00% APY · 6 Month CD · Standard
7 months	$112.893.90% APY · 7 Month Special CD (Relationship) · Relationship	$225.773.90% APY · 7 Month Special CD (Relationship) · Relationship	$564.443.90% APY · 7 Month Special CD (Relationship) · Relationship	$1,128.873.90% APY · 7 Month Special CD (Relationship) · Relationship
11 months	$187.844.10% APY · 11 Month Special CD (Relationship) · Relationship	$375.684.10% APY · 11 Month Special CD (Relationship) · Relationship	$939.194.10% APY · 11 Month Special CD (Relationship) · Relationship	$1,878.384.10% APY · 11 Month Special CD (Relationship) · Relationship
12 months	$175.003.50% APY · 12 Month CD · Standard	$350.003.50% APY · 12 Month CD · Standard	$875.003.50% APY · 12 Month CD · Standard	$1,750.003.50% APY · 12 Month CD · Standard
16 months	$299.064.45% APY · 16 Month Special CD (Relationship) · Relationship	$598.114.45% APY · 16 Month Special CD (Relationship) · Relationship	$1,495.284.45% APY · 16 Month Special CD (Relationship) · Relationship	$2,990.564.45% APY · 16 Month Special CD (Relationship) · Relationship
23 months	$455.394.65% APY · 23 Month Special CD (Relationship) · Relationship	$910.794.65% APY · 23 Month Special CD (Relationship) · Relationship	$2,276.974.65% APY · 23 Month Special CD (Relationship) · Relationship	$4,553.934.65% APY · 23 Month Special CD (Relationship) · Relationship
24 months	$382.033.75% APY · 24 Month CD · Standard	$764.063.75% APY · 24 Month CD · Standard	$1,910.163.75% APY · 24 Month CD · Standard	$3,820.313.75% APY · 24 Month CD · Standard
36 months	$624.324.00% APY · 36 Month CD · Standard	$1,248.644.00% APY · 36 Month CD · Standard	$3,121.604.00% APY · 36 Month CD · Standard	$6,243.204.00% APY · 36 Month CD · Standard
48 months	$905.744.25% APY · 48 Month CD · Standard	$1,811.484.25% APY · 48 Month CD · Standard	$4,528.704.25% APY · 48 Month CD · Standard	$9,057.394.25% APY · 48 Month CD · Standard
60 months	$1,230.914.50% APY · 60 Month CD · Standard	$2,461.824.50% APY · 60 Month CD · Standard	$6,154.554.50% APY · 60 Month CD · Standard	$12,309.104.50% APY · 60 Month CD · Standard

How Bank Five Nine compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 700-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 1 of 9 tracked institutions with fresh 700-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Bank Five Nine CD rate comparison
Institution / benchmark	Term	Minimum	Quote coverage	APY	Verified / source date
Bank Five Nine (this institution) (highest tracked APY for this term)23 Month Special CD (Relationship) · Relationship	23 months	$2,500	Coverage: WI	4.65%	October 22, 2026
Treasury (APY-equivalent)	23 months (term-matched estimate)	Depends on purchase method	Federal; interest exempt from state income tax	4.84%	2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking Bank Five Nine on October 22, 2026.

About Bank Five Nine

Legal name: Bank Five Nine
Regulator ID: FDIC 12517
Headquarters: Oconomowoc, WI
Available in: WI
Total assets: $2.5 billion
Also known as
Website: www.bankfivenine.com

Source: rates read from https://www.bankfivenine.com/personal/banking/cds-iras/. See the page text we read.

Frequently asked questions

What is the highest CD rate at Bank Five Nine?

Among the rates we track, 4.65% APY on a 23-month relationship CD, as of October 22, 2026.

What is the minimum deposit for a Bank Five Nine CD?

The lowest minimum we found is $200; jumbo and higher balance tiers start at up to $2,500.

How does Bank Five Nine's best CD rate compare with Treasury yields?

4.65% APY is −0.19% versus the 23-month Treasury yield of 4.84% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.65% a good CD rate?

It is 3.0 times the FDIC national average for a similar term (1.55% 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 Five Nine CDs insured?

Bank Five Nine is an FDIC-insured bank (FDIC 12517). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check Bank Five Nine's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from Bank Five Nine's website and may change at any time. Confirm terms, minimums and eligibility with Bank Five Nine before opening an account. This page is not financial advice.