Bank · FDIC insured
Nicolet National Bank CD Rates
Nicolet National Bank’s best CD rate is 4.75% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Nicolet National Bank’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Nicolet National Bank has the most branches. $10,000, best rate first.
This bank’s best
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Certificate of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
Nicolet National Bank CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.70%
- QualifiedQualified4.70%
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 Nicolet National Bank 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.
Certificate of Deposit
Up to 4.75%APY · 10 terms
Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.75% | $68 |
| 3 monthsRelationship rate requires Direct Deposit Checking | 3.05% | $75 |
| 6 months | 3.20% | $159 |
| 6 monthsRelationship rate requires Direct Deposit Checking | 3.50% | $173 |
| 9 months | 3.45% | $258 |
| 9 monthsRelationship rate requires Direct Deposit Checking | 3.75% | $280 |
| 12 months | 3.70% | $370 |
| 12 monthsRelationship rate requires Direct Deposit Checking | 4.00% | $400 |
| 15 months | 3.80% | $477 |
| 15 monthsRelationship rate requires Direct Deposit Checking | 4.10% | $515 |
| 18 months | 3.95% | $598 |
| 18 monthsRelationship rate requires Direct Deposit Checking | 4.25% | $644 |
| 24 months | 4.20% | $858 |
| 24 monthsRelationship rate requires Direct Deposit Checking | 4.50% | $920 |
| 36 months | 4.10% | $1,281 |
| 36 monthsRelationship rate requires Direct Deposit Checking | 4.60% | $1,444 |
| 48 months | 4.20% | $1,789 |
| 48 monthsRelationship rate requires Direct Deposit Checking | 4.70% | $2,017 |
| 60 months | 4.25% | $2,313 |
| 60 monthsRelationship rate requires Direct Deposit Checking | 4.75% | $2,612 |
Sources (2)
- nicoletbank.com/personal-banking/rates/cd-rates
- nicoletbank.com/personal-banking/savings-accounts/cds
All captured Oct 16, 2026
Investor Choice CD
Up to 2.90%APY · 2 terms
Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 months | 2.65% | $676 |
| 30 monthsRelationship rate requires Direct Deposit Checking | 2.90% | $741 |
| 42 months | 0.75% | $265 |
| 42 monthsRelationship rate requires Direct Deposit Checking | 1.00% | $354 |
Sources (2)
- nicoletbank.com/personal-banking/rates/cd-rates
- nicoletbank.com/personal-banking/savings-accounts/cds
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.75%APY · 10 terms
Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.75% | $68 |
| 3 monthsRelationship rate requires Direct Deposit Checking | 3.05% | $75 |
| 6 months | 3.20% | $159 |
| 6 monthsRelationship rate requires Direct Deposit Checking | 3.50% | $173 |
| 9 months | 3.45% | $258 |
| 9 monthsRelationship rate requires Direct Deposit Checking | 3.75% | $280 |
| 12 months | 3.70% | $370 |
| 12 monthsRelationship rate requires Direct Deposit Checking | 4.00% | $400 |
| 15 months | 3.80% | $477 |
| 15 monthsRelationship rate requires Direct Deposit Checking | 4.10% | $515 |
| 18 months | 3.95% | $598 |
| 18 monthsRelationship rate requires Direct Deposit Checking | 4.25% | $644 |
| 24 months | 4.20% | $858 |
| 24 monthsRelationship rate requires Direct Deposit Checking | 4.50% | $920 |
| 36 months | 4.10% | $1,281 |
| 36 monthsRelationship rate requires Direct Deposit Checking | 4.60% | $1,444 |
| 48 months | 4.20% | $1,789 |
| 48 monthsRelationship rate requires Direct Deposit Checking | 4.70% | $2,017 |
| 60 months | 4.25% | $2,313 |
| 60 monthsRelationship rate requires Direct Deposit Checking | 4.75% | $2,612 |
Sources (2)
- nicoletbank.com/personal-banking/rates/cd-rates
- nicoletbank.com/personal-banking/savings-accounts/cds
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.