Searching for the best savings account in Bemidji? Check out the savings accounts available to you from First National Bank Bemidji. Helping people save and manage their money since 1897, we offer several different savings accounts as well as certificates of deposit and tax-deferred retirement accounts.

As a community bank, we are proud to invest your savings dollars back into your community in the form of loans to businesses and individuals. In addition to having FDIC insurance, your deposits are protected by our strong capital position. First National Bank Bemidji is consistently awarded high ratings by bank rating agencies.

We offer four different savings accounts, each with different balance requirements and options. Please view our Savings Comparison Chart to easily look at the account options available to you. All of our savings accounts come with the following benefits:

  • ATM Card
  • Free Online Banking
  • Mobile Banking – access your account information via your mobile device/cell phone (message and data rates may apply)

Thrift Savings Account

A savings plan with a minimal balance requirement.

Young Investor Savings Account

An account that helps young people save for the future.

Statement Savings

An excellent basic savings plan.

Money Market Savings

A flexible account that offers easy access and a competitive interest rate.

  Thrift SavingsStatement Savings*Money Market

Minimum Opening Deposit

$50 $100 $100
Balance Requirements
(to avoid monthly fee)
$50 $200 $1,000

Monthly Maintenance Fees

$1 $1 $5


credited semi annually credited monthly tiered for higher rates on higher balances, credited monthly

Statement Options

Issued Quarterly Issued Monthly Issued Monthly

Additional Benefits

First two withdrawals free with a 25¢ fee for each additional withdrawal per monthly cycle.

First five withdrawals free with a 25¢ fee for each additional withdrawal per monthly cycle.

Unlimited withdrawals or transfers made in person, at an ATM (free if using FNBB ATM machine), or by mail.

*Interest is variable and subject to change weekly. There is a $25 fee for any savings account closed within 180 days of opening. We may require not less than 7 days notice in writing before each withdrawal from an interest bearing account other than a time deposit.

Certificates of Deposit (CDs)

Certificates of deposit give you a guaranteed return, along with a choice of terms. The interest rate paid on these funds varies based on the deposit amount and the term of the deposit. Rates are tiered, paying a higher rate for larger investments. Terms of CDs range from 91 days to 5 years.

View Current Deposit Rates

There is also a 1-Up option, which allows you to change your rate one time during the life of the CD, should interest rates increase.

Longer-Term Savings

If you are looking for help planning for the future (college for your kids or your retirement), one of our financial advisors can help steer you in the right direction with an investment plan. First National Bemidji Investment Services can help with traditional IRAs, Roth IRAs, Coverdell accounts and more.

Learn more about Investments