Bank · FDIC insured
Bank Five Nine CD Rates
Bank Five Nine’s best CD rate is 4.65% APY on a 23-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Bank Five Nine’s CD rates compare
Compared with banks and credit unions near Milwaukee, WI, where Bank Five Nine has the most branches. $10,000, best rate first.
This bank’s best
Bank Five Nine
4.65%APY
- Term
- 23 months
- Minimum
- $2,500
- Earns on $10,000
- $910
Certificate of Deposit
Top rate
Kohler Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $373
3rd-highest rate
Waukesha State Bank
4.65%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,552
Bank Five Nine CD score
97
CD score
Higher than 99% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.65%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.65%
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 Five Nine 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.
Certificate of Deposit
Up to 4.65%APY · 10 terms
Consumer accounts only. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of September 18, 2026.
| Term | APY · $1,000 and up | APY · $2,500 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.00% | — | 3.00% | $149 |
| 7 months7 Month Special CD Special Relationship pricing. Requires an active Bank Five Nine consumer checking account (activity consisting of either a recurring monthly direct deposit ACH credit of not less than $250 or 5 signature-based debit card transactions within any 45-day period). Must be opened with new money not currently on deposit (max $250,000). At maturity, renews into standard 12-month term. Applicable to Wisconsin residents only | — | 3.90% | 3.90% | $226 |
| 7 months7 Month Special CD. Must be opened with new money not currently on deposit at Bank Five Nine (max $250,000). At maturity, renews into a standard 12-month term. Applicable to Wisconsin residents only | — | 3.65% | 3.65% | $211 |
| 11 months11 Month Special CD Special Relationship pricing. Requires an active Bank Five Nine consumer checking account (activity consisting of either a recurring monthly direct deposit ACH credit of not less than $250 or 5 signature-based debit card transactions within any 45-day period). Must be opened with new money not currently on deposit (max $250,000). At maturity, renews into standard 12-month term. Applicable to Wisconsin residents only | — | 4.10% | 4.10% | $375 |
| 11 months11 Month Special CD. Must be opened with new money not currently on deposit at Bank Five Nine (max $250,000). At maturity, renews into a standard 12-month term. Applicable to Wisconsin residents only | — | 3.85% | 3.85% | $352 |
| 12 months | 3.50% | — | 3.50% | $350 |
| 16 months16 Month Special CD Special Relationship pricing. Requires an active Bank Five Nine consumer checking account (activity consisting of either a recurring monthly direct deposit ACH credit of not less than $250 or 5 signature-based debit card transactions within any 45-day period). Must be opened with new money not currently on deposit (max $250,000). At maturity, renews into standard 24-month term. Applicable to Wisconsin residents only | — | 4.45% | 4.45% | $598 |
| 16 months16 Month Special CD. Must be opened with new money not currently on deposit at Bank Five Nine (max $250,000). At maturity, renews into a standard 24-month term. Applicable to Wisconsin residents only | — | 4.20% | 4.20% | $564 |
| 23 months23 Month Special CD Special Relationship pricing. Requires an active Bank Five Nine consumer checking account (activity consisting of either a recurring monthly direct deposit ACH credit of not less than $250 or 5 signature-based debit card transactions within any 45-day period). Must be opened with new money not currently on deposit (max $250,000). At maturity, renews into standard 24-month term. Applicable to Wisconsin residents only | — | 4.65% | 4.65% | $910 |
| 23 months23 Month Special CD. Must be opened with new money not currently on deposit at Bank Five Nine (max $250,000). At maturity, renews into a standard 24-month term. Applicable to Wisconsin residents only | — | 4.40% | 4.40% | $860 |
| 24 months | 3.75% | — | 3.75% | $764 |
| 36 months | 4.00% | — | 4.00% | $1,249 |
| 48 months | 4.25% | — | 4.25% | $1,811 |
| 60 months | 4.50% | — | 4.50% | $2,462 |
Sources (3)
- bankfivenine.com/personal/banking/cds-iras
- bankfivenine.com/personal/banking/current-rates
- bankfivenine.com/personal/banking/cd-specials
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account
Up to 4.65%APY · 10 terms
Consumer accounts only. A penalty may be imposed for early withdrawal. Withdrawals before age 59½ may be subject to additional taxes and penalties. Fees may reduce earnings. Rates effective as of September 18, 2026.
| Term | APY · $100 and up | APY · $2,500 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.00% | — | 3.00% | $149 |
| 7 months7 Month Special IRA Special Relationship pricing. Requires an active Bank Five Nine consumer checking account (activity consisting of either a recurring monthly direct deposit ACH credit of not less than $250 or 5 signature-based debit card transactions within any 45-day period). Must be opened with new money not currently on deposit (max $250,000). You may make 1 deposit per calendar year to this IRA account, up to $10,000 maximum. Applicable to Wisconsin residents only | — | 3.90% | 3.90% | $226 |
| 7 months7 Month Special IRA. Must be opened with new money not currently on deposit at Bank Five Nine (max $250,000). You may make 1 deposit per calendar year to this IRA account, up to $10,000 maximum. Applicable to Wisconsin residents only | — | 3.65% | 3.65% | $211 |
| 11 months11 Month Special IRA Special Relationship pricing. Requires an active Bank Five Nine consumer checking account (activity consisting of either a recurring monthly direct deposit ACH credit of not less than $250 or 5 signature-based debit card transactions within any 45-day period). Must be opened with new money not currently on deposit (max $250,000). You may make 1 deposit per calendar year to this IRA account, up to $10,000 maximum. Applicable to Wisconsin residents only | — | 4.10% | 4.10% | $375 |
| 11 months11 Month Special IRA. Must be opened with new money not currently on deposit at Bank Five Nine (max $250,000). You may make 1 deposit per calendar year to this IRA account, up to $10,000 maximum. Applicable to Wisconsin residents only | — | 3.85% | 3.85% | $352 |
| 12 months | 3.50% | — | 3.50% | $350 |
| 16 months16 Month Special IRA Special Relationship pricing. Requires an active Bank Five Nine consumer checking account (activity consisting of either a recurring monthly direct deposit ACH credit of not less than $250 or 5 signature-based debit card transactions within any 45-day period). Must be opened with new money not currently on deposit (max $250,000). You may make 1 deposit per calendar year to this IRA account, up to $10,000 maximum. Applicable to Wisconsin residents only | — | 4.45% | 4.45% | $598 |
| 16 months16 Month Special IRA. Must be opened with new money not currently on deposit at Bank Five Nine (max $250,000). You may make 1 deposit per calendar year to this IRA account, up to $10,000 maximum. Applicable to Wisconsin residents only | — | 4.20% | 4.20% | $564 |
| 23 months23 Month Special IRA Special Relationship pricing. Requires an active Bank Five Nine consumer checking account (activity consisting of either a recurring monthly direct deposit ACH credit of not less than $250 or 5 signature-based debit card transactions within any 45-day period). Must be opened with new money not currently on deposit (max $250,000). You may make 1 deposit per calendar year to this IRA account, up to $10,000 maximum. Applicable to Wisconsin residents only | — | 4.65% | 4.65% | $910 |
| 23 months23 Month Special IRA. Must be opened with new money not currently on deposit at Bank Five Nine (max $250,000). You may make 1 deposit per calendar year to this IRA account, up to $10,000 maximum. Applicable to Wisconsin residents only | — | 4.40% | 4.40% | $860 |
| 24 months | 3.75% | — | 3.75% | $764 |
| 36 months | 4.00% | — | 4.00% | $1,249 |
| 48 months | 4.25% | — | 4.25% | $1,811 |
| 60 months | 4.50% | — | 4.50% | $2,462 |
Sources (3)
- bankfivenine.com/personal/banking/cds-iras
- bankfivenine.com/personal/banking/current-rates
- bankfivenine.com/personal/banking/cd-specials
All captured Oct 5, 2026
Young American CD
3.75%APY · 1 term
Offer applicable to minors and enrolled students only. Consumer accounts only. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months24 Month Term. Unlimited deposits of $50.00 or more allowed during the initial and subsequent term | 3.75% | $764 |
Sources (2)
All captured Oct 5, 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.