Bank · FDIC insured
First National Bank Bemidji CD Rates
First National Bank Bemidji’s best CD rate is 3.91% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First National Bank Bemidji’s CD rates compare
Compared with banks and credit unions near Bemidji, MN, where First National Bank Bemidji has the most branches. $10,000, best rate first.
This bank’s best
First National Bank Bemidji
3.71%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,998
Certificates of Deposit
Top rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
KodaBank
4.26%APY
- Term
- 15 months
- Minimum
- $2,500
- Earns on $10,000
- $535
First National Bank Bemidji CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo3.47%
- 9–15 months9–15 mo3.52%
- 16–30 months16–30 mo3.62%
- 31–60 months31–60 mo3.71%
- QualifiedQualified3.71%
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 First National Bank Bemidji 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.
Certificates of Deposit
Up to 3.71%APY · 9 terms
Early withdrawal penalties may apply to fixed term investments. Early withdrawal penalties or fees may reduce earnings.
| Term | APY · $500 – $25,000 | APY · $1,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsCompounding frequency at maturity. Term: 91 Days | — | 3.45% | 3.66% | 3.45%3.66% from $25k | $86 |
| 6 monthsCompounding frequency at maturity. Term: 182 Days | — | 3.47% | 3.67% | 3.47%3.67% from $25k | $174 |
| 12 monthsCompounding frequency quarterly. Term: 1 Year | 3.52% | — | 3.71% | 3.52%3.71% from $25k | $352 |
| 18 monthsCompounding frequency quarterly. Term: 18 Months | 3.52% | — | 3.71% | 3.52%3.71% from $25k | $533 |
| 24 monthsCompounding frequency quarterly. Term: 2 Year | 3.62% | — | 3.82% | 3.62%3.82% from $25k | $737 |
| 24 monthsCompounding frequency quarterly. Term: One-Up (2 Yr). Allows you to change your rate one time during the life of the CD, should interest rates increase | 3.52% | — | 3.71% | 3.52%3.71% from $25k | $716 |
| 30 monthsCompounding frequency quarterly. Term: 30 Month | 3.62% | — | 3.82% | 3.62%3.82% from $25k | $930 |
| 36 monthsCompounding frequency quarterly. Term: 3 Year | 3.62% | — | 3.81% | 3.62%3.81% from $25k | $1,126 |
| 48 monthsCompounding frequency quarterly. Term: 4 Year | — | 3.70% | 3.90% | 3.70%3.90% from $25k | $1,564 |
| 48 monthsCompounding frequency quarterly. Term: One-Up (4 Yr). Allows you to change your rate one time during the life of the CD, should interest rates increase | — | 3.56% | 3.75% | 3.56%3.75% from $25k | $1,502 |
| 60 monthsCompounding frequency quarterly. Term: 5 Year | — | 3.71% | 3.91% | 3.71%3.91% from $25k | $1,998 |
Sources (3)
- fnbbemidji.com/investments/account-types
- fnbbemidji.com/rates
- fnbbemidji.com/investments/account-types/cd
All captured Oct 16, 2026
Special-purpose accounts
IRA Fixed
Up to 3.62%APY · 1 term
Account holders age 59 ½ or older may request an IRA rate change once every twelve months without penalty and withdraw at anytime without penalty. Early withdrawal penalties may apply to fixed term investments.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 monthsCompounding frequency monthly. Traditional or Roth IRA | 3.42% | — | 3.42% | $517 |
| 18 monthsCompounding frequency quarterly. Traditional or Roth IRA | — | 3.62% | 3.62% | $548 |
Sources (3)
- fnbbemidji.com/investments/account-types
- fnbbemidji.com/investments/acc…retirement-accounts-iras
- fnbbemidji.com/rates
All captured Oct 16, 2026
Variable Rate IRA Account
2.99%APY · 1 term
Rate may change after the account is opened. Account holders age 59 ½ or older may request an IRA rate change once every twelve months without penalty and withdraw at anytime without penalty. Early withdrawal penalties may apply to fixed term investments.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsCompounding frequency monthly. Variable rate account. Traditional or Roth IRA | 2.99% | $452 |
Sources (3)
- fnbbemidji.com/investments/account-types
- fnbbemidji.com/investments/acc…retirement-accounts-iras
- fnbbemidji.com/rates
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.