CDs & IRAs

Earn a little more on your deposit! Longer term savings options like CDs and IRAs usually carry a higher interest rate than a standard savings account. Though you don’t have ready access to your funds, this can be a great way to grow your balance without even trying.

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Our Most Popular CD Options

3.75%

APY

$2,500.00 to open

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Certificate of Deposits and Individual Retirement Accounts must be opened with new money not currently on deposit at Bank Five Nine (“Bank”). An active Bank consumer checking account is required to receive stated Annual Percentage Yields (APYs). $2,500 minimum to open. Interest rates are subject to change without notice. Fees may reduce earnings. Other restrictions may apply.

3.75%

APY

$2,500.00 to open

Find A Branch

Compare Rates

Expand For Details

3.75%

APY

$2,500.00 to open

Find A Branch

Compare Rates

Expand For Details

Earn More on Your Savings

Take advantage of great product rates now available at Bank Five Nine. Stop in one of our convenient bank offices or schedule an an appointment with a personal banker.

Contact A Personal Banker

Certificate of Deposit and Individual Retirement Account Rates

CD / IRA Term	Minimum Dollar Amount to Open CD and Obtain Annual Percentage Yield	Minimum Dollar Amount to Open IRA and Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
7 Month Special CD¹⁺ / IRA^1+*	$2,500.00	$2,500.00	3.45% / 3.70%^	3.50% / 3.75%^
11 Month Special CD²⁺ / IRA^2+*	$2,500.00	$2,500.00	3.45% / 3.70%^	3.50% / 3.75%^
16 Month Special CD³⁺ / IRA^3+*	$2,500.00	$2,500.00	3.45% / 3.70%^	3.50% / 3.75%^
6 Month CD / IRA*	$1,000.00	$100.00	2.97%	3.00%
12 Month CD / IRA*	$1,000.00	$100.00	3.06%	3.10%
24 Month CD / IRA*	$1,000.00	$100.00	3.16%	3.20%
Young American CD⁴	$200.00	N/A	3.16%	3.20%
36 Month CD / IRA*	$1,000.00	$100.00	3.26%	3.30%
48 Month CD / IRA*	$1,000.00	$100.00	3.36%	3.40%
60 Month CD / IRA*	$1,000.00	$100.00	3.46%	3.50%

1 – New Money only. At maturity, 7-month CD renews into a standard 12-month term. For IRAs only: You may make (1) deposit per calendar year to this IRA account, up to $10,000 maximum. Applicable to Wisconsin residents only.

2 – New Money only. At maturity, 11-month CD renews into a standard 12-month term. For IRAs only: You may make (1) deposit per calendar year to this IRA account, up to $10,000 maximum. Applicable to Wisconsin residents only.

3 – New Money only. At maturity, 16-month CD renews into a standard 24-month term. For IRAs only: You may make (1) deposit per calendar year to this IRA account, up to $10,000 maximum. Applicable to Wisconsin residents only.

4 - 24 Month Term. Unlimited deposits of $50.00 or more allowed during the initial and subsequent term. Offer applicable to minors and enrolled students only.

+ Maximum new money deposit of $250,000.

^ An active Bank Five Nine consumer checking account is required to receive higher APYs for Special Relationship pricing. An active consumer checking account is defined as an account which has activity consisting of either a recurring, monthly 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.

* Withdrawals from IRA products before age 59½ may be subject to additional taxes and penalties; consult your tax advisor regarding the tax implications. Certain retirement accounts are insured by the FDIC separately from non-retirement funds you may have on deposit with Bank Five Nine.

Interest rates are subject to change without notice.

Fees may reduce earnings. A penalty may be imposed for early withdrawal from the accounts listed unless otherwise noted. Offer valid to consumer accounts only. Bank Five Nine does not generally accept institutional or brokered deposits to any of our deposit products.