National Exchange Bank and Trust savings, CD and money market rates
National Exchange Bank and Trust's Statement Savings offers 0.05% APY. That is 0.33 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #2778 of 3146 tracked savings rates by advertised APY. For a $10,000 balance it would rank #2656.
Estimate your earnings·What National Exchange Bank and Trust actually pays
National Exchange Bank and Trust at a glance
| Savings | |
|---|---|
| Top savings APY | 0.05% · Statement Savings |
| Minimum to open | $50 · Statement Savings |
| Against the national average | 0.33 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.00% · 25 months · 25 Month CD Special |
| Minimum to open | $5,000 · 25 months CD |
| Against the national average | 2.45 percentage points above the 1.55% FDIC 24-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 1.86% · Money Market Account · needs at least $250,000 |
| Minimum to open | not stated · Money Market Account |
| Against the national average | 1.23 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 10044 · Fond Du Lac, WI |
|---|---|
| Website | www.nebat.com |
| Branches | 34 branches in WI |
| Availability | Available in WI |
National Exchange Bank and Trust savings, CD and money market rates
Personal
How the rate applies
How the rate applies
IRA
How the rate applies
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
National Exchange Bank and Trust CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 1.51% | $1,000 | 3 Month CD |
| 6 months | 2.01% | $1,000 | 6 Month CD |
| 7 months | 3.78% | $5,000 | 7 Month CD Special |
| 11 months | 3.76% | $5,000 | 11 Month CD Special |
| 12 months | 2.00% | $1,000 | 12 Month CD |
| 15 months | 2.00% | $1,000 | 15 Month One Up CD |
| 15 months | 2.00% | $1,000 | 15 Month Add On CD |
| 18 months | 2.00% | $1,000 | 18 Month CD |
| 21 months | 2.00% | $1,000 | 21 Month Add On CD - Variable Rate |
| 24 months | 2.00% | $1,000 | 24 Month CD |
| 25 months | 4.00% | $5,000 | 25 Month CD Special |
| 36 months | 3.00% | $1,000 | 36 Month CD |
| 36 months | 3.30% | $300 | Dollars for Scholars 36 Month CD |
| 48 months | 3.00% | $1,000 | 48 Month CD |
| 60 months | 3.00% | $1,000 | 60 Month CD |
| IRA CDs | |||
| 6 months | 2.01% | $1,000 | 6 Month IRA CD |
| 12 months | 2.00% | $1,000 | 12 Month IRA CD |
| 18 months | 2.00% | $1,000 | 18 Month IRA CD |
| 21 months | 2.00% | $1,000 | 21 Month Add On IRA CD - Variable Rate |
| 24 months | 2.00% | $1,000 | 24 Month IRA CD |
| 36 months | 3.00% | $1,000 | 36 Month IRA CD |
| 60 months | 3.00% | $1,000 | 60 Month IRA CD |
Interactive Tool
Calculate Savings for National Exchange Bank and Trust
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$56.00(0.4%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,056.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What National Exchange Bank and Trust pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, National Exchange Bank and Trust paid a higher average rate on savings and money market deposits than 66% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- National Exchange Bank and Trust, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Steps Savings | 0.15% | $25 | $100 | None | not stated | not stated | One rate | |
| Fine print: The daily minimum balance requirement applies only after the account has been open one year. Young adults aged 18 to 25 can open the account online; a younger saver opens it in a branch. | ||||||||
| Health Savings Account | Up to 0.10% | not stated | $0 | None | not stated | not stated | Tiered | |
| Holiday Savings | 0.10% | $15 | $0 | None | not stated | not stated | One rate | |
| Fine print: Partial withdrawals are not allowed. Any withdrawal closes the account and costs a $15 early withdrawal penalty. The balance is transferred automatically to an account of the holder's choice each October, and new accounts can be opened only between mid-October and September 1. | ||||||||
| Statement Savings | 0.05% | $50 | $0 | None | $15.00 service fee per quarter if the daily balance falls below $250 at any time in a calendar quarter., can be waived | not stated | One rate | |
| Fine print: The service charge is assessed per quarterly cycle, not monthly, and applies when the daily balance falls below $250 at any time in the quarter. | ||||||||
| Money Market Account | Up to 1.86% | not stated | $0 | None | not stated | not stated | Tiered | |
| Fine print: The account carries a daily balance requirement of $2,500 or more. The bank states the requirement without pricing a charge for falling below it. | ||||||||
| IRA | ||||||||
| Money Market IRA | Up to 1.86% | not stated | $0 | None | not stated | not stated | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 3 Month CD | 3 months | 1.51% | $1,000 | not stated | not stated |
| 6 Month CD | 6 months | 2.01% | $1,000 | not stated | not stated |
| 7 Month CD Special | 7 months | 3.78% | $5,000 | not stated | not stated |
| 11 Month CD Special | 11 months | 3.76% | $5,000 | not stated | not stated |
| 12 Month CD | 12 months | 2.00% | $1,000 | not stated | not stated |
| 15 Month One Up CD | 15 months | 2.00% | $1,000 | not stated | not stated |
| Fine print: The bank does not publish the mechanism behind this product name. No page states how or when the rate can be moved up during the term, so the certificate is treated as a fixed-rate one. A reader who wants the step-up terms can ask the bank. | |||||
| 15 Month Add On CD | 15 months | 2.00% | $1,000 | not stated | not stated |
| Fine print: Additional deposits are permitted during the term. Each one must be $500 or more. | |||||
| 18 Month CD | 18 months | 2.00% | $1,000 | not stated | not stated |
| 21 Month Add On CD - Variable Rate | 21 months | 2.00% | $1,000 | not stated | not stated |
| 24 Month CD | 24 months | 2.00% | $1,000 | not stated | not stated |
| 25 Month CD Special | 25 months | 4.00% | $5,000 | not stated | not stated |
| 36 Month CD | 36 months | 3.00% | $1,000 | not stated | not stated |
| Dollars for Scholars 36 Month CD | 36 months | 3.30% | $300 | not stated | not stated |
| Fine print: Variable rate. The APY can change during the term. Additional deposits are permitted during the term. Each one must be $50 or more. | |||||
| 48 Month CD | 48 months | 3.00% | $1,000 | not stated | not stated |
| 60 Month CD | 60 months | 3.00% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| 6 Month IRA CD | 6 months | 2.01% | $1,000 | not stated | not stated |
| 12 Month IRA CD | 12 months | 2.00% | $1,000 | not stated | not stated |
| 18 Month IRA CD | 18 months | 2.00% | $1,000 | not stated | not stated |
| 21 Month Add On IRA CD - Variable Rate | 21 months | 2.00% | $1,000 | not stated | not stated |
| 24 Month IRA CD | 24 months | 2.00% | $1,000 | not stated | not stated |
| 36 Month IRA CD | 36 months | 3.00% | $1,000 | not stated | not stated |
| 60 Month IRA CD | 60 months | 3.00% | $1,000 | not stated | not stated |
Fine print for 3 CDs above: This certificate is opened in a branch office only.
Fine print for 2 CDs above: Variable rate. The APY can change during the term. Additional deposits are permitted during the term. Each one must be $500 or more.
Opening and using the account
| Availability | Available in WI |
|---|---|
| Footprint | 34 branches in WI |
| App Store rating | 4.3 out of 5 |
| Google Play rating | 3.7 out of 5 |
| Eligibility | not stated |
How National Exchange Bank and Trust behaves over time
Every observation of the advertised Statement Savings rate in the last 12 months was 0.05% (observed through Nov 2, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Sep 23, 20267 Month CD SpecialRaise:3.53%to3.78%
- Obs. Sep 23, 202611 Month CD SpecialRaise:3.50%to3.76%
- Statement Savings
- The same as 30 days ago.
- 25 months CD
- The same as 30 days ago.
$10,000 at the 0.05% APY National Exchange Bank and Trust advertises on Statement Savings grows to $10,005 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,644 does today. See how the federal funds rate shapes savings rates.
National Exchange Bank and Trust CD rates over time
Who is National Exchange Bank and Trust?
| Headquarters | Fond Du Lac, WI |
|---|---|
| Founded | 1933 |
| Scale | $2.9B assets · $2.3B deposits, $1.7B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 10044 |
| Charter state | Wisconsin · one of 154 insured banks chartered there (Q2 2026, FDIC) |
| Size | 463rd-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 11% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What National Exchange Bank and Trust pays on deposits above.
Common questions about National Exchange Bank and Trust
Is National Exchange Bank and Trust FDIC insured?
Yes. National Exchange Bank and Trust is FDIC insured under certificate 10044, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at National Exchange Bank and Trust?
National Exchange Bank and Trust requires a minimum deposit of $50 to open its Statement Savings account, as observed on Nov 2, 2026. Check the bank's current terms before you open an account.
Does National Exchange Bank and Trust have branches?
Yes. National Exchange Bank and Trust operates 34 branches according to FDIC branch records, in addition to its website and mobile apps.
National Exchange Bank and Trust against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| National Exchange Bank and Trust | 0.05% | 1.87% | $50 | 34 branches in WI |
| 1st Community Bank | 0.05% | 0.45% | not stated | 2 branches in IL |
| Arrow Bank National Association | Up to0.05% | 2.21% | $500 | 56 branches in NY |
| Bank of Franklin County | 0.05% | 0.50% | $25 | 6 branches in MO |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to National Exchange Bank and Trust's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Wisconsin, nearest to National Exchange Bank and Trust in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: money market rates in Wisconsin, and banks in Wisconsin.