Bank First Savings & Money Market Rates

How Bank First’s savings 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
1.16%APY
Requires
Another account
Minimum
$0
Earns on $10,000 a year
$116
Money Market Elite
Top rate
Kohler Credit Union
3.50%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$350
Kohler Credit Union rates
2nd-highest rate
Associated Bank
3.20%APY
Requires
Another account
Minimum
$1,000
Earns on $10,000 a year
$320
Associated Bank rates

Compare savings rates near you →

Savings score

Higher than 41% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0000.15%
$100,000 balance$100,0000.25%
QualifiedQualified1.16%

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.

How the score works →

Where Bank First ranks

By savings score, in each area where it has branches

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Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Investment Savings

0.00%APYRequirements apply$50,000 to open

Minimum opening deposit of $50,000.00. An active personal Bank First checking account with direct deposit is required to maintain this account. Limited to 3 debit transactions per quarterly statement cycle ($25.00 fee per excess debit transaction). Compounded quarterly at a variable rate.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Requires personal Bank First checking with direct deposit.	0.00%	$0	Requires personal Bank First checking with direct deposit.
$50,000 – $150,000Requires personal Bank First checking with direct deposit.	2.50%	—	Requires personal Bank First checking with direct deposit.
$150,000 – $250,000Requires personal Bank First checking with direct deposit.	3.00%	—	Requires personal Bank First checking with direct deposit.
$250,000 – $500,000Requires personal Bank First checking with direct deposit.	3.35%	—	Requires personal Bank First checking with direct deposit.
$500,000 – $1,000,000Requires personal Bank First checking with direct deposit.	3.35%	—	Requires personal Bank First checking with direct deposit.
$1,000,000 and upRequires personal Bank First checking with direct deposit.	3.35%	—	Requires personal Bank First checking with direct deposit.

Sources (3)

All captured Oct 16, 2026

Money Market Elite

1.16%APYRequirements apply

Requires an active Bank First checking account with direct deposit. Limit ten (10) debit transactions per statement cycle; transactions in excess of 10 incur a $5.00 fee each.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Zero or minimal interest paid on the lowest tier; no service charge if balance drops below $10,000.00. Requires active Bank First checking account with direct deposit.	0.00%	—	Zero or minimal interest paid on the lowest tier; no service charge if balance drops below $10,000.00. Requires active Bank First checking account with direct deposit.
$10,000 – $50,000Requires active Bank First checking account with direct deposit.	1.16%	$116	Requires active Bank First checking account with direct deposit.
$50,000 – $100,000Requires active Bank First checking account with direct deposit.	1.66%	—	Requires active Bank First checking account with direct deposit.
$100,000 and upRequires active Bank First checking account with direct deposit.	1.92%	—	Requires active Bank First checking account with direct deposit.

Sources (3)

All captured Oct 16, 2026

Savings Elite

1.00%APYRequirements apply

An active Bank First checking account with direct deposit is required to maintain this account. Limited to 10 debit transactions per statement cycle when statements are monthly and 30 when quarterly. Compounded quarterly at a variable rate.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Requires Bank First checking with direct deposit.	0.00%	—	Requires Bank First checking with direct deposit.
$2,500 – $10,000Requires Bank First checking with direct deposit.	0.50%	—	Requires Bank First checking with direct deposit.
$10,000 – $25,000Requires Bank First checking with direct deposit.	1.00%	$100	Requires Bank First checking with direct deposit.
$25,000 – $100,000Requires Bank First checking with direct deposit.	1.41%	—	Requires Bank First checking with direct deposit.
$100,000 and upRequires Bank First checking with direct deposit.	1.66%	—	Requires Bank First checking with direct deposit.

Sources (3)

All captured Oct 16, 2026

First Savings

0.15%APY

No initial deposit or ongoing balance requirements. Interest is compounded quarterly at a variable rate.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $2,500	0.10%	—
$2,500 – $10,000	0.15%	—
$10,000 – $25,000	0.15%	$15
$25,000 and up	0.25%	—

Sources (3)

All captured Oct 16, 2026

Money Market

0.10%APY

No service charge if average daily collected balance is at least $1,000.00; otherwise $6.00 monthly service charge per statement cycle.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Monthly fee of $6.00 waived if average daily collected balance is at least $1,000.00.	0.05%	—	Monthly fee of $6.00 waived if average daily collected balance is at least $1,000.00.
$2,500 – $10,000Monthly fee of $6.00 waived if average daily collected balance is at least $1,000.00.	0.05%	—	Monthly fee of $6.00 waived if average daily collected balance is at least $1,000.00.
$10,000 – $25,000Monthly fee of $6.00 waived if average daily collected balance is at least $1,000.00.	0.10%	$10	Monthly fee of $6.00 waived if average daily collected balance is at least $1,000.00.
$25,000 and upMonthly fee of $6.00 waived if average daily collected balance is at least $1,000.00.	0.15%	—	Monthly fee of $6.00 waived if average daily collected balance is at least $1,000.00.

Sources (3)

All captured Oct 16, 2026

Special-purpose accounts

Health Savings Account

0.30%APYHSA

Must be covered under a high-deductible health plan (HDHP) to qualify. Interest is compounded monthly. No initial deposit or ongoing balance requirements.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Must be enrolled in a high-deductible health plan (HDHP).	0.15%	—	Must be enrolled in a high-deductible health plan (HDHP).
$2,500 – $10,000Must be enrolled in a high-deductible health plan (HDHP).	0.25%	—	Must be enrolled in a high-deductible health plan (HDHP).
$10,000 – $25,000Must be enrolled in a high-deductible health plan (HDHP).	0.30%	$30	Must be enrolled in a high-deductible health plan (HDHP).
$25,000 and upMust be enrolled in a high-deductible health plan (HDHP).	0.50%	—	Must be enrolled in a high-deductible health plan (HDHP).

Sources (2)

All captured Oct 16, 2026

IRA Savings

0.25%APYIRA

Available as Traditional IRA or Roth IRA. No initial deposit or ongoing balance requirements. Interest is compounded quarterly at a variable rate. Withdrawals may be subject to income tax liabilities, IRS penalties, or early withdrawal penalties.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $2,500	0.10%	—
$2,500 – $10,000	0.20%	—
$10,000 – $25,000	0.25%	$25
$25,000 – $100,000	0.40%	—
$100,000 and up	0.40%	—

Sources (3)

All captured Oct 16, 2026

Kids' Club

0.30%APYKids and teens

Available to kids under the age of 18; converts to a First Savings account at age 18. Interest is compounded quarterly at a variable rate.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $2,500	0.25%	—
$2,500 – $10,000	0.25%	—
$10,000 – $25,000	0.30%	$30
$25,000 and up	0.30%	—

Sources (3)

All captured Oct 16, 2026

Holiday Savings

0.10%APYClub

No initial deposit or ongoing balance requirements. Funds are distributed at the start of the holiday shopping season. Compounded quarterly at a variable rate.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $2,500	0.05%	—
$2,500 – $10,000	0.05%	—
$10,000 – $25,000	0.10%	$10
$25,000 and up	0.20%	—

Sources (3)

All captured Oct 16, 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.

Visit institution website ↗Branches and institution details

← Bank First overview

How Bank First’s savings rates compare

Bank First savings score

Current savings rates

Investment Savings

Money Market Elite

Savings Elite

First Savings

Money Market

Special-purpose accounts

Health Savings Account

IRA Savings

Kids' Club

Holiday Savings

Opening an account