Save Smarter with a Savings Account That Works for You

Save smarter with Bank Five Nine’s high-yield savings options. Enjoy great rates on CDs and money market accounts, paired with the personalized support of our friendly bankers.

Our Most Popular Account Options

Savings Accounts

Smart Savings

Save automatically when you use your debit card
  • Earn interest
  • $50 minimum balance
  • Free ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locations
  • Customer receives a $1 automatic transfer from checking to savings with every PIN or signature-based debit card transaction. Minimum 30-day introductory period bank match of $1 per debit card purchase; ongoing bank match of $0.10**

Statement Savings

Low balance, interest-bearing account
  • Earn interest
  • $50 minimum balance
  • Free ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locations

Elite Savings

Higher interest savings account
  • Earn interest
  • $100 minimum balance
  • Free ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locations
  • Requires a Bank Five Nine consumer checking account

Money Market Accounts

First Rate Money Market (Consumer)

 
Up to .30%
APY
  • $2,500 Minimum to Open

Relationship
Money Market

 
Up to 2.50%
APY
  • $15,000 Minimum to Open

IRA
Money Market

 
.10%
APY
  • $100 Minimum to Open

CD & IRA Accounts

9 Month Relationship CD

 
4.30%
APY
  • $2,500.00 to open

17 Month Relationship CD

 
4.30%
APY
  • $2,500.00 to open

How to Open a CD or Money Market Account

  • Step 1: Open a Bank Five Nine Checking Account
    A checking account is required to access special CD* and Money Market^ rates. You can open a checking account online in just a few minutes.
  • Step 2: Contact a Personal Banker or Visit a Branch
    Once your checking account is set up, give us a call or visit your nearest Bank Five Nine branch to start the process.
  • Step 3: Open Your CD or Money Market Account
    Our team will guide you through opening your CD or Money Market account, ensuring you get the best available rates.

Disclosure: ^Relationship Money Market - An open and active Bank Five Nine consumer checking account is required to receive stated Annual Percentage Yields (APYs) for special relationship pricing.


An open and active consumer checking account is defined as an account which has activity consisting of either a recurring direct deposit credit (an ACH credit) in a single amount not less than $250 or five (5) signature-based debit card transactions within any 45-day period. Annual Percentage Yield (APY) as of 1/31/2025 is a variable rate and subject to change at any time at the discretion of the Bank. Relationship Money Market tiers and ongoing rates: $0-$14,999.99 0.10% APY, $15,000-$249,999.99 4.30% APY, $250,000+ 0.55% APY. Requires a $15,000 minimum deposit to open the account, and a minimum daily balance of $2,500 to avoid maintenance fees. Account must be funded with new money not on deposit at Bank. Other restrictions may apply.

*Certificates of Deposit - Must be opened with new money not currently on deposit at Bank Five Nine. This offer is applicable to consumers only. Individual Retirement Accounts (IRAs) are excluded. Business and municipal funds are not accepted. An open and active Bank consumer checking account is required to receive stated APYs. $2,500 minimum to open. Interest rates are subject to change without notice. Early withdrawal from CD account may result in penalty. Fees may reduce earnings. Other restrictions may apply.

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