Bank · FDIC insured
National Exchange Bank & Trust CD Rates
National Exchange Bank & Trust’s best CD rate is 4.00% APY on a 25-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How National Exchange Bank & Trust’s CD rates compare
Compared with banks and credit unions near Fond du Lac, WI, where National Exchange Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
National Exchange Bank & Trust
4.00%APY
- Term
- 25 months
- Minimum
- $5,000
- Earns on $10,000
- $851
Limited Time CD Specials
Top rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
2nd-highest rate
Marine Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $2,462
National Exchange Bank & Trust CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.78%
- 9–15 months9–15 mo3.76%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.00%
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 National Exchange Bank & Trust 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.
Limited Time CD Specials
Up to 4.00%APY · 3 terms
To open a CD special, visit your local office. Substantial penalty for early withdrawal. Non-personal cap is $250,000. Rate subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsFixed Rate. Personal or Business. To open, visit your local office | 3.78% | $219 |
| 11 monthsFixed Rate. Personal or Business. To open, visit your local office | 3.76% | $344 |
| 25 monthsFixed Rate. Personal or Business. To open, visit your local office | 4.00% | $851 |
Certificates of Deposit - Variable Rate
Up to 3.30%APY · 2 terms
Penalty for early withdrawal from a certificate of deposit account may be imposed. Fees could reduce earnings on these accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 21 months21 Month Add On; $500 minimum add-on amount during the term | 2.00% | $353 |
| 36 monthsDollars for Scholars - 36 Month. $50 minimum add-on amount. Variable rate valid through October 28, 2026 | 3.30% | $1,023 |
Sources (3)
All captured Oct 16, 2026
Certificates of Deposit - Fixed Rate
Up to 3.00%APY · 9 terms
Penalty for early withdrawal from a certificate of deposit account may be imposed. Fees could reduce earnings on these accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.51% | $38 |
| 6 months | 2.01% | $100 |
| 12 months | 2.00% | $200 |
| 15 months15 Month One Up | 2.00% | $251 |
| 18 months | 2.00% | $301 |
| 24 months | 2.00% | $404 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.00%APY · 7 terms
May choose Traditional or Roth IRA. Penalty for early withdrawal may be imposed. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month - Fixed Rate | 2.01% | $100 |
| 12 months12 Month - Fixed Rate | 2.00% | $200 |
| 18 months18 Month - Fixed Rate | 2.00% | $301 |
| 21 months21 Month Add On - Variable Rate. $500 minimum add-on. Variable rate valid through October 28, 2026 | 2.00% | $353 |
| 24 months24 Month - Fixed Rate | 2.00% | $404 |
| 36 months36 Month - Fixed Rate | 3.00% | $927 |
| 60 months60 Month - Fixed Rate | 3.00% | $1,593 |
Sources (4)
- nebat.com/iras.html
- nebat.com/rates-to-pdf.html
- nebat.com/rates.html
- nebat.com/certificate-of-deposit.html
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.