# Nicolet National Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/nicolet-national-bank
Institution: Nicolet National Bank (FDIC 57038)
Aliases: 
Status: live
Last verified: 2026-10-22T14:04:51.000Z (October 22, 2026)
Official source: https://www.nicoletbank.com/personal-banking/rates/cd-rates
Coverage: 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.
Treasury comparison date: 2026-10-21. 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 | relationship | 3 months | $2,500 | 3.05% | Not ZIP-priced | −1.25% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | standard | 3 months | $2,500 | 2.75% | Not ZIP-priced | −1.54% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | relationship | 6 months | $2,500 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | standard | 6 months | $2,500 | 3.20% | Not ZIP-priced | −1.20% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | relationship | 9 months | $2,500 | 3.75% | Not ZIP-priced | −0.73% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | standard | 9 months | $2,500 | 3.45% | Not ZIP-priced | −1.03% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | relationship | 12 months | $2,500 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | standard | 12 months | $2,500 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | relationship | 15 months | $2,500 | 4.10% | Not ZIP-priced | −0.55% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | standard | 15 months | $2,500 | 3.80% | Not ZIP-priced | −0.85% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | relationship | 18 months | $2,500 | 4.25% | Not ZIP-priced | −0.47% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | standard | 18 months | $2,500 | 3.95% | Not ZIP-priced | −0.77% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | relationship | 24 months | $2,500 | 4.50% | Not ZIP-priced | −0.37% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | standard | 24 months | $2,500 | 4.20% | Not ZIP-priced | −0.67% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Investor Choice CD | relationship | 30 months | $10,000 | 2.90% | Not ZIP-priced | −2.01% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Investor Choice CD | standard | 30 months | $10,000 | 2.65% | Not ZIP-priced | −2.26% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | relationship | 36 months | $2,500 | 4.60% | Not ZIP-priced | −0.35% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | standard | 36 months | $2,500 | 4.10% | Not ZIP-priced | −0.85% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Investor Choice CD | relationship | 42 months | $10,000 | 1.00% | Not ZIP-priced | −3.97% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Investor Choice CD | standard | 42 months | $10,000 | 0.75% | Not ZIP-priced | −4.22% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | relationship | 48 months | $2,500 | 4.70% | Not ZIP-priced | −0.28% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | standard | 48 months | $2,500 | 4.20% | Not ZIP-priced | −0.78% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | relationship | 60 months | $2,500 | 4.75% | Not ZIP-priced | −0.26% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |
| Certificate of Deposit | standard | 60 months | $2,500 | 4.25% | Not ZIP-priced | −0.76% | 2026-10-22T14:04:51.000Z | [Snapshot 291](https://apyledger.com/snapshots/291) |

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.