Rates
See below our current rates for savings and checking accounts, CDs and individual retirement accounts (IRAs).
Deposit Rates Valid 4/15/2026 – 4/21/2026
Deposit Account Rates
| Account | Minimum Balance | Rate | APY |
|---|---|---|---|
| First Plus Checking | $800 | 0.50% | 0.50% |
| Statement Savings | $200 | 0.70% | 0.71% |
| Young Investors Savings | -0- | 0.70% | 0.71% |
| Thrift Savings | $50 | 0.60% | 0.60% |
| First Insured Money Market | Less than $1,000 | 1.30% | 1.30% |
| $1,000-$9,999.99 | 1.35% | 1.36% | |
| $10,000-$24,999.99 | 1.37% | 1.38% | |
| $25,000-$249,999.99 | 1.55% | 1.56% | |
| $250,000 and over | 1.60% | 1.61% | |
| Health Savings Accounts | $0-$4,999.99 | 1.45% | 1.46% |
| $5,000-$14,999.99 | 1.50% | 1.51% | |
| $15,000-$24,999.99 | 1.55% | 1.56% | |
| $25,000-$49,999.99 | 1.60% | 1.61% | |
| $50,000.00 and over | 1.65% | 1.66% |
Certificates of Deposit
| Term | Balance | Minimum Deposit | Rate | APY |
|---|---|---|---|---|
| 91 Days | $1000-$24,999.99 | $1,000 | 3.26% | 3.30% |
| $25,000 and over | $25,000 | 3.46% | 3.51% | |
| 182 Days | $1000-$24,999.99 | $1,000 | 3.29% | 3.32% |
| $25,000 and over | $25,000 | 3.49% | 3.52% | |
| 1 Year | $500-$24,999.99 | $500 | 3.32% | 3.36% |
| $25,000 and over | $25,000 | 3.51% | 3.56% | |
| 18 Months | $500-$24,999.99 | $500 | 3.32% | 3.36% |
| $25,000 and over | $25,000 | 3.51% | 3.56% | |
| One-Up (2 Yr) | $500-$24,999.99 | $500 | 3.25% | 3.29% |
| $25,000 and over | $25,000 | 3.45% | 3.49% | |
| 2 Year | $500-$24,999.99 | $500 | 3.32% | 3.36% |
| $25,000 and over | $25,000 | 3.52% | 3.57% | |
| 30 Month | $500-$24,999.99 | $500 | 3.32% | 3.36% |
| $25,000 and over | $25,000 | 3.52% | 3.57% | |
| 3 Year | $500-$24,999.99 | $500 | 3.32% | 3.36% |
| $25,000 and over | $25,000 | 3.51% | 3.56% | |
| One-Up (4 Yr) | $1000-$24,999.99 | $1,000 | 3.26% | 3.30% |
| $25,000 and over | $25,000 | 3.45% | 3.49% | |
| 4 Year | $1000-$24,999.99 | $1,000 | 3.40% | 3.44% |
| $25,000 and over | $25,000 | 3.59% | 3.64% | |
| 5 Year | $1000-$24,999.99 | $1,000 | 3.41% | 3.45% |
| $25,000 and over | $25,000 | 3.60% | 3.65% |
IRA
| IRA Accounts | Minimum | Term | Rate | APY |
|---|---|---|---|---|
| Variable Rate | $100 | 18 Months | 2.95% | 2.99% |
| IRA Fixed | $1,000 | 18 Months | 3.37% | 3.42% |
| IRA Fixed | $10,000 | 18 Months | 3.56% | 3.62% |
Disclosures
No Penalty IRA Rate Change
First National Bank Bemidji IRA account holders age 59 ½ or older may request an IRA rate change once every twelve months without penalty. You may also withdraw from your IRA at anytime without an early withdrawal penalty. See a Deposit Services and Investments Representative for more details or request the “Important Information About Your Account” brochure.
APY — Annual Percentage Yield
Rate — Interest Rate
Min — Minimum deposit to open an account and obtain disclosed annual percentage yield
$50 minimum deposit required to open Thrift Savings. $100 minimum deposit required to open statement savings, money market savings, checking accounts and health savings accounts.
Minimum Balance
Indicated on First Plus Checking, Statement Savings is the minimum required to avoid a service charge. No minimum required to earn interest. The minimum balance to avoid a service charge on a First Insured Money Market Account is $1,000.
Rate may change after the account is opened on the following:
First Plus Checking/Statement Savings/Young Investors Savings/Thrift Savings/Money Market Savings/Variable Rate IRA Account/Health Savings Account
APY Based on the Following Compounding Frequencies:
Maturity:
- 91 day & 182 day certificates
Quarterly:
- All certificate terms from 12 months – 5 years
- Young Investors Savings
Monthly:
- First Plus Checking
- Statement Savings
- Money Market Savings
- All 18 Month Term IRA Accounts
- Health Savings Accounts (HSA)
Semi-Annually:
- Thrift Savings
Early withdrawal penalties may apply to fixed term investments.
Early withdrawal penalties or fees may reduce earnings.
Member FDIC
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