Bank · FDIC insured
Nicolet National Bank Savings Rates
Nicolet National Bank’s best savings rate is 0.20% APY on $10,000, with its Money Market Account (MMA). Rates checked October 17, 2026.
How Nicolet National Bank’s savings 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
1.30%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $130
MVP Money Market Account (MVP MMA)
Top rate
VisionBank
3.76%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
Nicolet National Bank savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified2.50%
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 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.
MVP Money Market Account (MVP MMA)
1.30%APY
A separate Nicolet National Bank checking account with direct deposit of payroll or social security is required in order to qualify for an MVP Money Market account. Subject to Credit Approval.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999$10 monthly service charge if available balance falls below $10,000. | 0.01% | — | $10 monthly service charge if available balance falls below $10,000. |
| $10,000 – $49,999$10 monthly service charge if available balance falls below $10,000. | 1.30% | $130 | $10 monthly service charge if available balance falls below $10,000. |
| $50,000 – $149,999$10 monthly service charge if available balance falls below $10,000. | 2.10% | — | $10 monthly service charge if available balance falls below $10,000. |
| $150,000 – $499,999$10 monthly service charge if available balance falls below $10,000. | 2.15% | — | $10 monthly service charge if available balance falls below $10,000. |
| $500,000 – $999,999$10 monthly service charge if available balance falls below $10,000. | 2.45% | — | $10 monthly service charge if available balance falls below $10,000. |
| $1,000,000 and up$10 monthly service charge if available balance falls below $10,000. | 2.65% | — | $10 monthly service charge if available balance falls below $10,000. |
Sources (2)
- nicoletbank.com/personal-banking/money-market-accounts
- nicoletbank.com/personal-banki…rates/money-market-rates
All captured Sep 24, 2026
Real Cash Back Savings
2.50%APY on $10,000
Offered in conjunction with Real Cash Back Checking. Requires meeting monthly qualification cycle requirements (eStatements, Direct Deposit, and 10 debit transactions posted and cleared) to earn tier 1 rates.
| Part of the balance | Rate on that part |
|---|---|
| Up to $15,000 | 2.47% |
| Over $15,000 | 0.01% |
On $10,000 the tiers blend to about 2.50% APY, earning $250 a year.
Sources (2)
All captured Oct 16, 2026
Real Saver Savings
2.50%APY on $10,000
Offered in conjunction with Real Rewards Checking. Requires meeting monthly qualification cycle requirements on Real Rewards Checking account to earn tier 1 rates.
| Part of the balance | Rate on that part |
|---|---|
| Up to $50,000 | 2.47% |
| Over $50,000 | 0.01% |
On $10,000 the tiers blend to about 2.50% APY, earning $250 a year.
Sources (2)
All captured Oct 16, 2026
Money Market Account (MMA)
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $4,999$10 monthly service charge if available balance falls below $1,000. | 0.10% | — | $10 monthly service charge if available balance falls below $1,000. |
| $5,000 and up$10 monthly service charge if available balance falls below $1,000. | 0.20% | $20 | $10 monthly service charge if available balance falls below $1,000. |
Sources (2)
- nicoletbank.com/personal-banking/money-market-accounts
- nicoletbank.com/personal-banki…rates/money-market-rates
All captured Sep 24, 2026
Personal Savings
0.20%APY
$5 monthly service charge if available balance falls below $100. $100 minimum deposit to open. Minimum $100.00 to earn interest. Unlimited deposits and transfers.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000$5 monthly service charge waived if available balance remains at or above $100. $100.00 minimum to earn interest. Interest is compounded quarterly and credited quarterly. | 0.15% | — | $5 monthly service charge waived if available balance remains at or above $100. $100.00 minimum to earn interest. Interest is compounded quarterly and credited quarterly. |
| $5,000 and up$5 monthly service charge waived if available balance remains at or above $100. Interest is compounded quarterly and credited quarterly. | 0.20% | $20 | $5 monthly service charge waived if available balance remains at or above $100. Interest is compounded quarterly and credited quarterly. |
Special-purpose accounts
Junior Savings
0.75%APY
Available to ages 0-21 (homepage lists ages 0-20; if under 18 years of age an adult joint owner is required). $50 minimum deposit to open. $5 monthly service charge if available balance falls below $50.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Available for ages 0-21. $5 monthly service charge waived if available balance is at or above $50. Interest is compounded quarterly and credited quarterly. | 0.50% | — | Available for ages 0-21. $5 monthly service charge waived if available balance is at or above $50. Interest is compounded quarterly and credited quarterly. |
| $1,000 and upAvailable for ages 0-21. $5 monthly service charge waived if available balance is at or above $50. Interest is compounded quarterly and credited quarterly. | 0.75% | $75 | Available for ages 0-21. $5 monthly service charge waived if available balance is at or above $50. Interest is compounded quarterly and credited quarterly. |
Health Savings Account (HSA)
0.20%APY
Minimum $100 deposit to open; $10 set-up fee. $5 monthly fee for paper statements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Interest is compounded monthly and credited monthly. $10 set-up fee. $5 monthly fee for paper statements. | 0.01% | — | Interest is compounded monthly and credited monthly. $10 set-up fee. $5 monthly fee for paper statements. |
| $5,000 – $10,000Interest is compounded monthly and credited monthly. $10 set-up fee. $5 monthly fee for paper statements. | 0.05% | — | Interest is compounded monthly and credited monthly. $10 set-up fee. $5 monthly fee for paper statements. |
| $10,000 and upInterest is compounded monthly and credited monthly. $10 set-up fee. $5 monthly fee for paper statements. | 0.20% | $20 | Interest is compounded monthly and credited monthly. $10 set-up fee. $5 monthly fee for paper statements. |
Relationship IRA Money Market Account
0.15%APY
Relationship is defined as Direct Deposit Checking.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Relationship is defined as Direct Deposit Checking. | 0.01% | — | Relationship is defined as Direct Deposit Checking. |
| $10,000 – $99,999Relationship is defined as Direct Deposit Checking. | 0.15% | $15 | Relationship is defined as Direct Deposit Checking. |
| $100,000 – $249,999Relationship is defined as Direct Deposit Checking. | 0.15% | — | Relationship is defined as Direct Deposit Checking. |
| $250,000 – $999,999Relationship is defined as Direct Deposit Checking. | 0.15% | — | Relationship is defined as Direct Deposit Checking. |
| $1,000,000 and upRelationship is defined as Direct Deposit Checking. | 0.15% | — | Relationship is defined as Direct Deposit Checking. |
Sources (1)
- nicoletbank.com/personal-banki…rates/money-market-rates · captured Sep 24, 2026
Individual Retirement Account (IRA)
0.15%APY
Available as Traditional IRA (no income limits) and Roth IRA (income limits apply). $100 minimum deposit to open ($50 balance minimum to earn interest). No setup fees or maintenance charges.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Interest is compounded quarterly and credited quarterly. No maintenance charges. | 0.15% | — | Interest is compounded quarterly and credited quarterly. No maintenance charges. |
| $2,500 and upInterest is compounded quarterly and credited quarterly. No maintenance charges. | 0.15% | $15 | Interest is compounded quarterly and credited quarterly. No maintenance charges. |
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.