Bank · FDIC insured
Bank First CD Rates
Bank First’s best CD rate is 2.28% APY on a 6-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Bank First’s CD rates compare
Compared with banks and credit unions near Manitowoc, WI, where Bank First has the most branches. $10,000, best rate first.
This bank’s best
Bank First
4.18%APY
- Term
- 35 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $1,269
CD Special
Top rate
Community First Credit Union
5.05%APY
- Term
- 5 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $207
2nd-highest rate
Kohler Credit Union
5.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $373
Bank First CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo2.28%
- 9–15 months9–15 mo2.28%
- 16–30 months16–30 mo2.28%
- 31–60 months31–60 mo2.28%
- QualifiedQualified4.18%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bank First ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CD Special
Up to 4.18%APY · 4 terms
Limited time offer. $5,000 minimum balance to open account. An active Bank First checking account with direct deposit is required to obtain this special. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsInterest is paid at maturity, renews into a 6 month CD. Requires $5,000 minimum to open and an active Bank First checking account with direct deposit | 3.75% | $217 |
| 11 monthsInterest is paid at maturity, renews into a 12 month CD. Requires $5,000 minimum to open and an active Bank First checking account with direct deposit | 3.85% | $352 |
| 23 monthsInterest is paid at 11 months and then semi-annually for the remaining term, renews into a 24 month CD. Requires $5,000 minimum to open and an active Bank First checking account with direct deposit | 4.10% | $801 |
| 35 monthsInterest is paid at 11 months and then semi-annually for the remaining term, renews into a 36 month CD. Requires $5,000 minimum to open and an active Bank First checking account with direct deposit | 4.18% | $1,269 |
Certificate of Deposit
2.28%APY · 7 terms
$1,000.00 initial deposit requirement. No minimum balance to earn Annual Percentage Yield (APY). Fixed interest rate for entire term. Automatically renews into a CD with the same term. Penalty will or may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNo compounding during term. Interest credited at maturity | 2.28% | $113 |
| 12 monthsInterest compounded and credited semi-annually | 2.28% | $228 |
| 18 monthsInterest compounded and credited semi-annually | 2.28% | $344 |
| 24 monthsInterest compounded and credited semi-annually | 2.28% | $461 |
| 36 monthsInterest compounded and credited semi-annually | 2.28% | $700 |
| 48 monthsInterest compounded and credited semi-annually | 2.28% | $944 |
| 60 monthsInterest compounded and credited semi-annually | 2.28% | $1,193 |
Sources (2)
All captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.