Bank · FDIC insured
First National Bank Bemidji Savings Rates
First National Bank Bemidji’s best savings rate is 1.38% APY on $10,000, with its First Insured Money Market. Rates checked October 16, 2026.
How First National Bank Bemidji’s savings 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
1.38%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $138
First Insured Money Market
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
TruStar Federal Credit Union
1.70%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $170
First National Bank Bemidji savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0001.36%
- $10,000 balance$10,0001.38%
- $100,000 balance$100,0001.56%
- QualifiedQualified1.38%
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 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.
First Insured Money Market
1.38%APY
Minimum deposit to open: $100; Minimum balance to avoid service charge: $1,000. Rate may change after account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 1.30% | — |
| $1,000 – $10,000 | 1.36% | — |
| $10,000 – $25,000 | 1.38% | $138 |
| $25,000 – $250,000 | 1.56% | — |
| $250,000 and up | 1.61% | — |
Sources (1)
- fnbbemidji.com/rates · captured Oct 5, 2026
Statement Savings
0.71%APY
Rate may change after the account is opened. Minimum balance of $200 required to avoid a service charge. No minimum required to earn interest. Interest compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $200 and up | 0.71% | $71 |
Thrift Savings
0.60%APY
Rate may change after the account is opened. Interest compounded semi-annually.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.60% | $60 |
Special-purpose accounts
Health Savings Accounts (HSAs)
1.51%APY
Tax-free when used for qualified medical expenses anytime. Rate may change after the account is opened. Compounding frequency: monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 1.46% | — |
| $5,000 – $15,000 | 1.51% | $151 |
| $15,000 – $25,000 | 1.56% | — |
| $25,000 – $50,000 | 1.61% | — |
| $50,000 and up | 1.66% | — |
Young Investors Savings
0.71%APY
Available for ages 0–17. Rate may change after the account is opened. Interest compounded quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.71% | $71 |
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.