Bank · FDIC insured
National Exchange Bank & Trust Savings Rates
National Exchange Bank & Trust’s best savings rate is 0.75% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How National Exchange Bank & Trust’s savings 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
0.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $75
Money Market Account
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
National Exchange Bank & Trust savings score
83
Savings score
Higher than 63% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.56%
- QualifiedQualified0.75%
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 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.
Money Market Account
0.75%APY
Daily balance of $2500 or more.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.75% | $75 |
| $25,000 – $50,000 | 0.95% | — |
| $50,000 – $100,000 | 1.05% | — |
| $100,000 – $250,000 | 1.56% | — |
| $250,000 and up | 1.86% | — |
Sources (3)
All captured Oct 5, 2026
Statement Savings
0.05%APY
Requires a $250 daily balance. A $15 per quarter service fee applies if balance falls below minimum requirement anytime in a calendar quarter.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (4)
- nebat.com/rates-to-pdf.html
- nebat.com/rates.html
- nebat.com/regular-savings.html
- nebat.com/savings-account-comparison.html
All captured Oct 5, 2026
Special-purpose accounts
Money Market IRA
0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 0.75% | $75 |
| $25,000 – $49,999 | 0.95% | — |
| $50,000 – $99,999 | 1.05% | — |
| $100,000 – $249,999 | 1.56% | — |
| $250,000 and up | 1.86% | — |
Steps Savings
0.15%APY
Designed for children and young adults through age 25. Daily minimum balance of $100 applies after being open one year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.15% | $15 |
Sources (4)
- nebat.com/rates-to-pdf.html
- nebat.com/rates.html
- nebat.com/savings-account-comparison.html
- nebat.com/steps-savings.html
All captured Oct 5, 2026
Health Savings Account
0.05%APY
Must be covered under an HSA-qualified High Deductible Health Plan (HDHP) meeting IRS requirements, have no other medical coverage, not be enrolled in Medicare, and not be eligible to be claimed as a dependent. No monthly administrative fee if set up with direct deposit, a $500 daily minimum balance is maintained, or $2,500 is maintained in a separate savings, money market, IRA, or CD.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 0.05% | $5 |
| $25,000 – $49,999 | 0.05% | — |
| $50,000 – $99,999 | 0.05% | — |
| $100,000 – $249,999 | 0.10% | — |
| $250,000 and up | 0.10% | — |
Sources (3)
All captured Oct 5, 2026
Holiday Savings
0.10%APY
Savings automatically transferred to the account of choice in October every year. Partial withdrawals not permitted; any withdrawal will result in account closing and a $15 early withdrawal penalty. Accounts may be opened from mid-October to September 1.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (4)
- nebat.com/holiday-savings.html
- nebat.com/rates-to-pdf.html
- nebat.com/rates.html
- nebat.com/savings-account-comparison.html
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.