Nicolet National Bank CD Rates — October 2026

As of October 22, 2026, Nicolet National Bank's highest tracked CD rate is 4.75% APY on a 60-month relationship CD ($2,500 minimum). That is 3.4 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 0.75% to 4.25% APY.

Last verified October 22, 2026 from www.nicoletbank.com · FDIC-insured bank · Green Bay, WI

Tracking began October 22, 2026.

Best APY4.75%60 months, $2,500 min

vs. Treasury−0.26%same-term Treasury 5.01%

vs. national average3.4×FDIC national average 1.41%

After inflation1.01%CPI 3.7% year over year

$10,000 earns$2,612over 60 months, before tax

Nicolet National Bank CD rates

Includes standard and relationship CD quotes. Relationship rates require Direct Deposit Checking. Ordinary CDs require $2,500; Investor Choice CDs require $10,000 and offer a one-time rate increase. See the source for full eligibility and withdrawal terms.

Nicolet National Bank CD rates
Term	Product	Minimum	APY	vs. Treasury
3 months	Certificate of Deposit Relationship	$2,500	3.05%Verified October 22, 2026	−1.25%
3 months	Certificate of Deposit	$2,500	2.75%Verified October 22, 2026	−1.54%
6 months	Certificate of Deposit Relationship	$2,500	3.50%Verified October 22, 2026	−0.90%
6 months	Certificate of Deposit	$2,500	3.20%Verified October 22, 2026	−1.20%
9 months	Certificate of Deposit Relationship	$2,500	3.75%Verified October 22, 2026	−0.73%
9 months	Certificate of Deposit	$2,500	3.45%Verified October 22, 2026	−1.03%
12 months	Certificate of Deposit Relationship	$2,500	4.00%Verified October 22, 2026	−0.57%
12 months	Certificate of Deposit	$2,500	3.70%Verified October 22, 2026	−0.87%
15 months	Certificate of Deposit Relationship	$2,500	4.10%Verified October 22, 2026	−0.55%
15 months	Certificate of Deposit	$2,500	3.80%Verified October 22, 2026	−0.85%
18 months	Certificate of Deposit Relationship	$2,500	4.25%Verified October 22, 2026	−0.47%
18 months	Certificate of Deposit	$2,500	3.95%Verified October 22, 2026	−0.77%
24 months	Certificate of Deposit Relationship	$2,500	4.50%Verified October 22, 2026	−0.37%
24 months	Certificate of Deposit	$2,500	4.20%Verified October 22, 2026	−0.67%
30 months	Investor Choice CD Relationship	$10,000	2.90%Verified October 22, 2026	−2.01%
30 months	Investor Choice CD	$10,000	2.65%Verified October 22, 2026	−2.26%
36 months	Certificate of Deposit Relationship	$2,500	4.60%Verified October 22, 2026	−0.35%
36 months	Certificate of Deposit	$2,500	4.10%Verified October 22, 2026	−0.85%
42 months	Investor Choice CD Relationship	$10,000	1.00%Verified October 22, 2026	−3.97%
42 months	Investor Choice CD	$10,000	0.75%Verified October 22, 2026	−4.22%
48 months	Certificate of Deposit Relationship	$2,500	4.70%Verified October 22, 2026	−0.28%
48 months	Certificate of Deposit	$2,500	4.20%Verified October 22, 2026	−0.78%
60 months	Certificate of Deposit Relationship	$2,500	4.75%Verified October 22, 2026	−0.26%
60 months	Certificate of Deposit	$2,500	4.25%Verified October 22, 2026	−0.76%

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.

What are Nicolet National Bank's best CD rates by term?

Nicolet National Bank's best rate is 4.75% APY on 60 months, verified October 22, 2026.

3 mo3.05%
6 mo3.50%
9 mo3.75%
12 mo4.00%
15 mo4.10%
18 mo4.25%
24 mo4.50%
30 mo2.90%
36 mo4.60%
42 mo1.00%
48 mo4.70%
60 mo4.75%

Calculate earnings at 4.75% for 60 months

How much interest could a Nicolet National Bank 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.

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term	$5,000	$10,000	$25,000	$50,000
3 months	$37.593.05% APY · Certificate of Deposit · Relationship	$75.193.05% APY · Certificate of Deposit · Relationship	$187.963.05% APY · Certificate of Deposit · Relationship	$375.933.05% APY · Certificate of Deposit · Relationship
6 months	$86.993.50% APY · Certificate of Deposit · Relationship	$173.973.50% APY · Certificate of Deposit · Relationship	$434.943.50% APY · Certificate of Deposit · Relationship	$869.873.50% APY · Certificate of Deposit · Relationship
9 months	$140.113.75% APY · Certificate of Deposit · Relationship	$280.213.75% APY · Certificate of Deposit · Relationship	$700.533.75% APY · Certificate of Deposit · Relationship	$1,401.063.75% APY · Certificate of Deposit · Relationship
12 months	$200.004.00% APY · Certificate of Deposit · Relationship	$400.004.00% APY · Certificate of Deposit · Relationship	$1,000.004.00% APY · Certificate of Deposit · Relationship	$2,000.004.00% APY · Certificate of Deposit · Relationship
18 months	$322.424.25% APY · Certificate of Deposit · Relationship	$644.834.25% APY · Certificate of Deposit · Relationship	$1,612.084.25% APY · Certificate of Deposit · Relationship	$3,224.174.25% APY · Certificate of Deposit · Relationship
24 months	$460.124.50% APY · Certificate of Deposit · Relationship	$920.254.50% APY · Certificate of Deposit · Relationship	$2,300.624.50% APY · Certificate of Deposit · Relationship	$4,601.254.50% APY · Certificate of Deposit · Relationship
60 months	$1,305.804.75% APY · Certificate of Deposit · Relationship	$2,611.604.75% APY · Certificate of Deposit · Relationship	$6,529.004.75% APY · Certificate of Deposit · Relationship	$13,058.004.75% APY · Certificate of Deposit · Relationship

How Nicolet National Bank compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 3 of 92 tracked institutions with fresh 1825-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Nicolet National Bank CD rate comparison
Institution / benchmark	Term	Minimum	Quote coverage	APY	Verified / source date
Nicolet National Bank (this institution)Certificate of Deposit · Relationship	60 months	$2,500	Coverage: CO, FL, IA, MI, MN, WI	4.75%	October 22, 2026
Popular Direct (highest tracked APY for this term)Certificate of Deposit · Standard	60 months	$10,000	Nationwide; check eligibility	5.00%	October 22, 2026
E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional	60 months	Not stated	Nationwide; check eligibility	4.80%	October 22, 2026
Barclays60 Month CD · Standard	60 months	Not stated	Nationwide; check eligibility	4.75%	October 22, 2026
Treasury (APY-equivalent)	60 months (term-matched estimate)	Depends on purchase method	Federal; interest exempt from state income tax	5.01%	2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking Nicolet National Bank on October 22, 2026.

About Nicolet National Bank

Legal name: Nicolet National Bank
Regulator ID: FDIC 57038
Headquarters: Green Bay, WI
Available in: CO, FL, IA, MI, MN, WI
Total assets: $15.4 billion
Also known as
Website: www.nicoletbank.com

Source: rates read from https://www.nicoletbank.com/personal-banking/rates/cd-rates. See the page text we read.

Frequently asked questions

What is the highest CD rate at Nicolet National Bank?

Among the rates we track, 4.75% APY on a 60-month relationship CD, as of October 22, 2026.

What is the minimum deposit for a Nicolet National Bank CD?

The lowest minimum we found is $2,500; jumbo and higher balance tiers start at up to $10,000.

How does Nicolet National Bank's best CD rate compare with Treasury yields?

4.75% APY is −0.26% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.75% a good CD rate?

It is 3.4 times the FDIC national average for a similar term (1.41% 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 Nicolet National Bank CDs insured?

Nicolet National Bank is an FDIC-insured bank (FDIC 57038). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

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

More bank CD rates

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