Nicolet National Bank savings, CD and money market rates
Nicolet National Bank's Personal Savings lists 0.20% APY on balances of $5,000 or more, and 0.15% below that. That is 0.18 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #1913 of 3146 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1693.
Estimate your earnings·What Nicolet National Bank actually pays
Nicolet National Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 0.20% · Personal Savings · needs at least $5,000 |
| Minimum to open | $100 · Personal Savings |
| Against the national average | 0.18 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | Up to 4.60% · 60 months · 60 Month CD · needs a linked account at the bank · 4.10% without the linked account |
| Minimum to open | $2,500 · 60 months CD |
| Against the national average | 3.19 percentage points above the 1.41% FDIC 60-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 2.65% · MVP Money Market Account (MVP MMA) · needs at least $1,000,000 |
| Minimum to open | $10,000 · MVP Money Market Account (MVP MMA) |
| Against the national average | 2.02 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 57038 · Green Bay, WI |
|---|---|
| Website | www.nicoletbank.com |
| Branches | 117 branches across 6 states |
| Availability | Available in CO, FL, IA, MI, MN, WI |
Nicolet National Bank savings, CD and money market rates
Personal
How the rate applies
How the rate applies
How the rate applies
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.
Nicolet National Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | Up to3.05%Needs a linked account at the bank · 2.75% without the linked account | $2,500 | 3 Month CD |
| 6 months | Up to3.50%Needs a linked account at the bank · 3.20% without the linked account | $2,500 | 6 Month CD |
| 9 months | Up to3.80%Needs a linked account at the bank · 3.50% without the linked account | $2,500 | 9 Month CD |
| 12 months | Up to4.05%Needs a linked account at the bank · 3.75% without the linked account | $2,500 | 12 Month CD |
| 15 months | Up to4.20%Needs a linked account at the bank · 3.90% without the linked account | $2,500 | 15 Month CD |
| 18 months | Up to4.30%Needs a linked account at the bank · 4.00% without the linked account | $2,500 | 18 Month CD |
| 24 months | Up to4.40%Needs a linked account at the bank · 4.10% without the linked account | $2,500 | 24 Month CD |
| 30 months | Up to2.90%Needs a linked account at the bank · 2.65% without the linked account | $10,000 | 30 Month Investor Choice CD |
| 36 months | Up to4.50%Needs a linked account at the bank · 4.00% without the linked account | $2,500 | 36 Month CD |
| 42 months | Up to1.00%Needs a linked account at the bank · 0.75% without the linked account | $10,000 | 42 Month Investor Choice CD |
| 48 months | Up to4.55%Needs a linked account at the bank · 4.05% without the linked account | $2,500 | 48 Month CD |
| 60 months | Up to4.60%Needs a linked account at the bank · 4.10% without the linked account | $2,500 | 60 Month CD |
| IRA CDs | |||
| 3 months | Up to3.05%Needs a linked account at the bank · 2.75% without the linked account | $2,500 | 3 Month IRA CD |
| 6 months | Up to3.50%Needs a linked account at the bank · 3.20% without the linked account | $2,500 | 6 Month IRA CD |
| 9 months | Up to3.80%Needs a linked account at the bank · 3.50% without the linked account | $2,500 | 9 Month IRA CD |
| 12 months | Up to4.05%Needs a linked account at the bank · 3.75% without the linked account | $2,500 | 12 Month IRA CD |
| 15 months | Up to4.20%Needs a linked account at the bank · 3.90% without the linked account | $2,500 | 15 Month IRA CD |
| 18 months | Up to4.30%Needs a linked account at the bank · 4.00% without the linked account | $2,500 | 18 Month IRA CD |
| 24 months | Up to4.40%Needs a linked account at the bank · 4.10% without the linked account | $2,500 | 24 Month IRA CD |
| 36 months | Up to4.50%Needs a linked account at the bank · 4.00% without the linked account | $2,500 | 36 Month IRA CD |
| 48 months | Up to4.55%Needs a linked account at the bank · 4.05% without the linked account | $2,500 | 48 Month IRA CD |
| 60 months | Up to4.60%Needs a linked account at the bank · 4.10% without the linked account | $2,500 | 60 Month IRA CD |
Interactive Tool
Calculate Savings for Nicolet National Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$282.10(2.0%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,282.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Nicolet National Bank 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. The 0.20% needs a balance of at least $5,000. Below that, the account advertises 0.15%.
In Q2 2026, Nicolet National Bank paid a higher average rate on savings and money market deposits than 65% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Nicolet National Bank, 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 | ||||||||
| Junior Savings | 0.75% | $50 | $50 | None | $5 monthly service charge if available balance falls below $50., can be waived | not stated | Tiered | |
| Fine print: A $5 monthly service charge applies if the available balance falls below $50. | ||||||||
| Personal Savings | 0.20% | $100 | $100 | None | $5 monthly service charge if available balance falls below $100., can be waived | not stated | Tiered | |
| Fine print: A $5 monthly service charge applies if the available balance falls below $100. | ||||||||
| Health Savings Account (HSA) | 0.20% | $100 | $0 | None | $5 monthly fee for paper statements., can be waived | not stated | Tiered | |
| Fine print: A $10 set-up fee applies when the account is opened. A $5 monthly fee applies to paper statements. | ||||||||
| MVP Money Market Account (MVP MMA) | Up to 2.65% | $10,000 | $0 | None | $10 monthly service charge if available balance falls below $10,000., can be waived | not stated | Tiered | |
| Fine print: The account requires a relationship, which the bank defines as direct deposit checking. A $10 monthly service charge applies if the available balance falls below $10,000. | ||||||||
| Money Market Account (MMA) | 0.20% | $1,000 | $1,000 | None | $10 monthly service charge if available balance falls below $1,000., can be waived | not stated | Tiered | |
| Fine print: A $10 monthly service charge applies if the available balance falls below $1,000. | ||||||||
| IRA | ||||||||
| Individual Retirement Account (IRA) | 0.15% | not stated | $50 | None | not stated | not stated | Tiered | |
| Relationship IRA Money Market Account | 0.15% | not stated | $0 | None | not stated | not stated | Tiered | |
| Fine print: Variable rate. The APY can change at any time at the bank's discretion. The account requires a relationship, which the bank defines as direct deposit checking. | ||||||||
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 | Up to 3.05% | $2,500 | not stated | not stated |
| 6 Month CD | 6 months | Up to 3.50% | $2,500 | not stated | not stated |
| 9 Month CD | 9 months | Up to 3.80% | $2,500 | not stated | not stated |
| 12 Month CD | 12 months | Up to 4.05% | $2,500 | not stated | not stated |
| 15 Month CD | 15 months | Up to 4.20% | $2,500 | not stated | not stated |
| 18 Month CD | 18 months | Up to 4.30% | $2,500 | not stated | not stated |
| 24 Month CD | 24 months | Up to 4.40% | $2,500 | not stated | not stated |
| 30 Month Investor Choice CD | 30 months | Up to 2.90% | $10,000 | not stated | not stated |
| 36 Month CD | 36 months | Up to 4.50% | $2,500 | not stated | not stated |
| 42 Month Investor Choice CD | 42 months | Up to 1.00% | $10,000 | not stated | not stated |
| 48 Month CD | 48 months | Up to 4.55% | $2,500 | not stated | not stated |
| 60 Month CD | 60 months | Up to 4.60% | $2,500 | not stated | not stated |
| IRA CDs | |||||
| 3 Month IRA CD | 3 months | Up to 3.05% | $2,500 | not stated | not stated |
| 6 Month IRA CD | 6 months | Up to 3.50% | $2,500 | not stated | not stated |
| 9 Month IRA CD | 9 months | Up to 3.80% | $2,500 | not stated | not stated |
| 12 Month IRA CD | 12 months | Up to 4.05% | $2,500 | not stated | not stated |
| 15 Month IRA CD | 15 months | Up to 4.20% | $2,500 | not stated | not stated |
| 18 Month IRA CD | 18 months | Up to 4.30% | $2,500 | not stated | not stated |
| 24 Month IRA CD | 24 months | Up to 4.40% | $2,500 | not stated | not stated |
| 36 Month IRA CD | 36 months | Up to 4.50% | $2,500 | not stated | not stated |
| 48 Month IRA CD | 48 months | Up to 4.55% | $2,500 | not stated | not stated |
| 60 Month IRA CD | 60 months | Up to 4.60% | $2,500 | not stated | not stated |
Fine print for 20 CDs above: A higher rate applies when the depositor also has a Nicolet National Bank direct deposit checking account.
Fine print for 2 CDs above: A higher rate applies when the depositor also has a Nicolet National Bank direct deposit checking account. The rate can be increased once during the term. At the time of the increase, funds up to the original deposit can be added in $1,000 increments.
Opening and using the account
| Availability | Available in CO, FL, IA, MI, MN, WI |
|---|---|
| Footprint | 117 branches across 6 states |
| Eligibility | not stated |
How Nicolet National Bank behaves over time
Every observation of the advertised Personal Savings rate in the last 12 months was 0.20% (observed through Nov 11, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Nov 5, 202612 Month CDCut:3.80%to3.75%
- Obs. Nov 5, 202615 Month CDCut:3.95%to3.90%
- Obs. Nov 5, 202618 Month CDCut:4.10%to4.00%
- Obs. Nov 5, 202624 Month CDCut:4.20%to4.10%
- Obs. Nov 5, 202636 Month CDCut:4.10%to4.00%
- Personal Savings
- The same as 30 days ago.
$10,000 at the 0.20% APY Nicolet National Bank advertises on Personal Savings grows to $10,020 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 $9,659 does today. See how the federal funds rate shapes savings rates.
Nicolet National Bank CD rates over time
Who is Nicolet National Bank?
| Headquarters | Green Bay, WI |
|---|---|
| Founded | 2000 |
| Scale | $15.4B assets · $13.0B deposits, $10.1B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 57038 |
| Charter state | Wisconsin · one of 154 insured banks chartered there (Q2 2026, FDIC) |
| Size | 124th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
Financial detail is in What Nicolet National Bank pays on deposits above.
Common questions about Nicolet National Bank
Is Nicolet National Bank FDIC insured?
Yes. Nicolet National Bank is FDIC insured under certificate 57038, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Nicolet National Bank?
Nicolet National Bank requires a minimum deposit of $100 to open its Personal Savings account, as observed on Nov 11, 2026. Check the bank's current terms before you open an account.
Does the 0.20% apply to my whole balance?
The 0.20% needs a balance of at least $5,000. Below that, the account advertises 0.15%. Rates are as observed on Nov 11, 2026.
Does Nicolet National Bank have branches?
Yes. Nicolet National Bank operates 117 branches according to FDIC branch records, in addition to its website and mobile apps.
Nicolet National Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Nicolet National Bank | 0.20% | 1.85% | $100 | 117 branches across 6 states |
| Aroostook County Federal Savings and Loan Association | 0.20% | 1.92% | $5 | 2 branches in ME |
| Bank Forward | 0.20% | 3.74% | $200 | 12 branches in MN, ND |
| Bank of Prairie du Sac | 0.20% | 2.46% | $100 | 2 branches in WI |
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 Nicolet National Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Wisconsin, nearest to Nicolet National Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Wisconsin, CD rates in Wisconsin, money market rates in Wisconsin, and banks in Wisconsin.