Bank Five Nine Savings & Money Market Rates

How Bank Five Nine’s savings 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
0.10%APY
Requires
Another account
Minimum
$100
Earns on $10,000 a year
$10
Elite Savings
Top rate
Advia Credit Union
3.75%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$375
Advia Credit Union rates
2nd-highest rate
UMB Bank
3.71%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$371
UMB Bank rates

Compare savings rates near you →

Savings score

Higher than 10% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.04%
$10,000 balance$10,0000.10%
$100,000 balance$100,0000.50%
QualifiedQualified0.10%

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 Five Nine ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

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

Relationship Money Market

Up to 0.20%APYRequirements apply$15,000 to open

Requires an open and active consumer checking account (activity of recurring monthly ACH direct deposit >= $250 or 5 signature-based debit card transactions per 45-day period). Introductory rates guaranteed for 180 calendar days after account opening, reverting to standard rates thereafter. One account per household. Cannot be opened with money currently on deposit at Bank Five Nine. Maximum new money deposit of $250,000. Restricted to Wisconsin residents and consumer accounts only. Owners/signers cannot have been an owner/signer on a Bank Five Nine Relationship Money Market or prior Money Market Special account within the past 3 years.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $15,000Introductory rate tier guaranteed for 180 calendar days with active consumer checking relationship.	0.10%	$10	Introductory rate tier guaranteed for 180 calendar days with active consumer checking relationship.
Up to $2,500Standard rate tier applicable after 180 calendar days or if active checking requirements are not met.	0.04%	—	Standard rate tier applicable after 180 calendar days or if active checking requirements are not met.
$2,500 – $15,000Standard rate tier applicable after 180 calendar days or if active checking requirements are not met.	0.20%	$20	Standard rate tier applicable after 180 calendar days or if active checking requirements are not met.
$15,000 and upIntroductory rate tier guaranteed for 180 calendar days with active consumer checking relationship.	3.00%	—	Introductory rate tier guaranteed for 180 calendar days with active consumer checking relationship.
$15,000 – $50,000Standard rate tier applicable after 180 calendar days or if active checking requirements are not met.	0.30%	—	Standard rate tier applicable after 180 calendar days or if active checking requirements are not met.
$50,000 – $100,000Standard rate tier applicable after 180 calendar days or if active checking requirements are not met.	0.40%	—	Standard rate tier applicable after 180 calendar days or if active checking requirements are not met.
$100,000 – $250,000Standard rate tier applicable after 180 calendar days or if active checking requirements are not met.	0.50%	—	Standard rate tier applicable after 180 calendar days or if active checking requirements are not met.
$250,000 and upStandard rate tier applicable after 180 calendar days or if active checking requirements are not met.	0.60%	—	Standard rate tier applicable after 180 calendar days or if active checking requirements are not met.

Sources (2)

All captured Oct 5, 2026

First Rate Money Market (Consumer)

0.10%APY$2,500 to open

Interest is calculated on the entire balance each day at the rate in effect for that balance tier. Offer valid to consumer accounts only.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Interest is calculated on the entire balance each day at the rate in effect for that balance tier.	0.04%	—	Interest is calculated on the entire balance each day at the rate in effect for that balance tier.
$2,500 – $15,000Interest is calculated on the entire balance each day at the rate in effect for that balance tier.	0.10%	$10	Interest is calculated on the entire balance each day at the rate in effect for that balance tier.
$15,000 – $50,000Interest is calculated on the entire balance each day at the rate in effect for that balance tier.	0.15%	—	Interest is calculated on the entire balance each day at the rate in effect for that balance tier.
$50,000 – $100,000Interest is calculated on the entire balance each day at the rate in effect for that balance tier.	0.20%	—	Interest is calculated on the entire balance each day at the rate in effect for that balance tier.
$100,000 – $250,000Interest is calculated on the entire balance each day at the rate in effect for that balance tier.	0.25%	—	Interest is calculated on the entire balance each day at the rate in effect for that balance tier.
$250,000 and upInterest is calculated on the entire balance each day at the rate in effect for that balance tier.	0.30%	—	Interest is calculated on the entire balance each day at the rate in effect for that balance tier.

Sources (2)

All captured Oct 5, 2026

Elite Savings

0.10%APYRequirements apply$100 to open

Requires a Bank Five Nine consumer checking account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Requires a Bank Five Nine consumer checking account. $3/month fee if account falls below $100 daily minimum balance.Over $0	0.10%	$10	Requires a Bank Five Nine consumer checking account. $3/month fee if account falls below $100 daily minimum balance.

Sources (3)

All captured Oct 5, 2026

Good Savers Savings

0.04%APY$25 to open

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Over $0	0.04%	$4

Sources (1)

bankfivenine.com/personal/banking/current-rates · captured Oct 5, 2026

Smart Savings

0.04%APYRequirements apply$50 to open

Requires a Bank Five Nine consumer checking account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Requires a Bank Five Nine consumer checking account. $3/month fee if account falls below $50 daily minimum balance. $1 automatic transfer from checking to savings per debit card purchase; minimum 30-day introductory period bank match of $1 per debit card purchase, with ongoing match of $0.10, up to $100.00 total annual match maximum.Over $0	0.04%	$4	Requires a Bank Five Nine consumer checking account. $3/month fee if account falls below $50 daily minimum balance. $1 automatic transfer from checking to savings per debit card purchase; minimum 30-day introductory period bank match of $1 per debit card purchase, with ongoing match of $0.10, up to $100.00 total annual match maximum.

Sources (2)

All captured Oct 5, 2026

Statement Savings

0.04%APY$50 to open

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Monthly fee of $1/month and $0.25/debit if account falls below $50 daily minimum balance.Over $0	0.04%	$4	Monthly fee of $1/month and $0.25/debit if account falls below $50 daily minimum balance.

Sources (2)

All captured Oct 5, 2026

Special-purpose accounts

IRA Money Market

0.10%APYIRA$100 to open

No bank penalty for early withdrawal. Withdrawals before age 59 1/2 may be subject to additional IRS taxes and penalties.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0No bank penalty for early withdrawal; subject to IRS retirement account rules.Over $0	0.10%	$10	No bank penalty for early withdrawal; subject to IRS retirement account rules.

Sources (2)

All captured Oct 5, 2026

Health Savings Account

0.08%APYHSA$50 to open

Available for participants with qualified high deductible health care plans.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Interest is calculated on the entire balance each day at the rate in effect for that balance tier.	0.04%	—	Interest is calculated on the entire balance each day at the rate in effect for that balance tier.
$2,500 – $10,000Interest is calculated on the entire balance each day at the rate in effect for that balance tier.	0.06%	—	Interest is calculated on the entire balance each day at the rate in effect for that balance tier.
$10,000 and upInterest is calculated on the entire balance each day at the rate in effect for that balance tier.	0.08%	$8	Interest is calculated on the entire balance each day at the rate in effect for that balance tier.

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.

Visit institution website ↗Branches and institution details

← Bank Five Nine overview

How Bank Five Nine’s savings rates compare

Bank Five Nine savings score

Current savings rates

Relationship Money Market

First Rate Money Market (Consumer)

Elite Savings

Good Savers Savings

Smart Savings

Statement Savings

Special-purpose accounts

IRA Money Market

Health Savings Account

Opening an account