☰

Home›
Banks›
Bank First, NA

iAdvertiser Disclosure

Bank First, NA Rates & Review November 2026

Q: What are the current interest rates at Bank First, NA?

Current rates for Bank First, NA include: 12-Month CD: 2.28%, 18-Month CD: 2.28%, 24-Month CD: 2.28%, 36-Month CD: 2.28%, 48-Month CD: 2.28%, 60-Month CD: 2.28%, Savings: 3.35%, MMA: 1.92%

Q: What CD terms does Bank First, NA offer?

Bank First, NA CD rates are 2.28% APY for a 12 month CD, 2.28% APY for an 18 month CD, 2.28% APY for a 2 year CD, 2.28% APY for a 3 year CD, 2.28% APY for a 4 year CD and 2.28% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Bank First, NA for its full lineup.

Q: How many branches does Bank First, NA operate?

Bank First, NA currently maintains approximately 38 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Bank First, NA's CD - 12-Month rates are at 2.28%, CD - 18-Month rates are at 2.28%, CD - 24-Month rates are at 2.28%, CD - 36-Month rates are at 2.28%, CD - 48-Month rates are at 2.28%. Bank First, NA's savings rates are at 3.35%. Bank First, NA's money market rates are at 1.92%. Bank First, NA's checking rates are as high as 0.25%. Bank First, NA's Conventional 10 Year Fixed rates are at 6.375%, Conventional 15 Year Fixed rates are at 6.625%, Conventional 20 Year Fixed rates are at 7.00%, Conventional 30 Year Fixed rates are at 7.125%, VA 30 Year Fixed rates are at 7.00%. Bank First, NA's top CD rate of 4.47% APY on a 35 month CD is 57% higher than the MonitorBankRates national average of 2.85% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Bank First, NA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.47%. Rates last updated and verified on 11/05/2026.

Bank First, NA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank First, NA? Share your experience about Bank First, NA by leaving a review below, or read customer reviews before you decide to use Bank First, NA.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.47%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Bank First, N.A.

402 N 8th St
Manitowoc, WI 54220

https://www.bankfirst.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Bank First, NA CD Rates

Product	Rate	APY	Term	Min. Deposit
CD - 35-Month Special	4.42%	4.47%	35 months	$5,000
Min Deposit $5,000 Details Interest paid at 11 months and then semi-annually for the remaining term, renews into a 36 month CD; requires an active Bank First checking account with direct deposit Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 4.18% → 4.47% ▲ 0.29 pts · high 4.47% / low 4.18% Nov 5, 20264.47%▲ from 4.18% Oct 14, 20264.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
CD - 23-Month Special	4.35%	4.40%	23 months	$5,000
Min Deposit $5,000 Details Interest paid at 11 months and then semi-annually for the remaining term, renews into a 24 month CD; requires an active Bank First checking account with direct deposit Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10% Nov 5, 20264.40%▲ from 4.10% Oct 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
CD - 11-Month Special	4.06%	4.10%	11 months	$5,000
Min Deposit $5,000 Details Interest paid at maturity, renews into a 12 month CD; requires an active Bank First checking account with direct deposit Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85% Nov 5, 20264.10%▲ from 3.85% Oct 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
CD - 7-Month Special	3.72%	3.75%	7 months	$5,000
Min Deposit $5,000 Details Interest paid at maturity, renews into a 6 month CD; requires an active Bank First checking account with direct deposit Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
CD - 12-Month	2.27%	2.28%	12 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.28% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
CD - 18-Month	2.27%	2.28%	18 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.28% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
CD - 24-Month	2.27%	2.28%	24 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.28% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
CD - 36-Month	2.27%	2.28%	36 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.28% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
CD - 48-Month	2.27%	2.28%	48 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.28% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
CD - 6-Month	2.27%	2.28%	6 months	$1,000
Min Deposit $1,000 Details No compounding during term; interest credited at maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.28% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
CD - 60-Month	2.27%	2.28%	60 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.28% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Bank First, NA Savings Rates

Product	Rate	APY
Investment Savings	3.31%	3.35%
Min Deposit $50,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Limited to three debit transactions per quarterly statement; Requires personal Bank First checking with direct deposit Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Investment Savings	2.97%	3.00%
Min Deposit $50,000 Min Balance $150,000 Details Balance: $150,000.00 - $249,999.99; Limited to three debit transactions per quarterly statement; Requires personal Bank First checking with direct deposit Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Investment Savings	2.48%	2.50%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 - $149,999.99; Limited to three debit transactions per quarterly statement; Requires personal Bank First checking with direct deposit Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Savings Elite	1.65%	1.66%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000.00 & Over; Requires Bank First checking with direct deposit Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.66% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Savings Elite	1.40%	1.41%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99; Requires Bank First checking with direct deposit Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.41% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Savings Elite	1.00%	1.00%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99; Requires Bank First checking with direct deposit Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Health Savings Account	0.50%	0.50%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00 & Over Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Savings Elite	0.50%	0.50%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500.00 to $9,999.99; Requires Bank First checking with direct deposit Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
IRA Savings	0.40%	0.40%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Health Savings Account	0.30%	0.30%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Savings	0.30%	0.30%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Savings	0.30%	0.30%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00 & Over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
First Savings	0.25%	0.25%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00 & Over Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Health Savings Account	0.25%	0.25%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500.00 to $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
IRA Savings	0.25%	0.25%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Savings	0.25%	0.25%
Min Deposit $0 Min Balance $0 Details Balance: $2,499.99 & Under Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Savings	0.25%	0.25%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500.00 to $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Holiday Savings	0.20%	0.20%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00 & Over Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
IRA Savings	0.20%	0.20%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500.00 to $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
First Savings	0.15%	0.15%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500.00 to $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Health Savings Account	0.15%	0.15%
Min Deposit $0 Min Balance $0 Details Balance: $2,499.99 & Under Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
First Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Balance: $2,499.99 & Under Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Holiday Savings	0.10%	0.10%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
IRA Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Balance: $2,499.99 & Under Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Holiday Savings	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Balance: $2,499.99 & Under Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Investment Savings	0.00%	0.00%
Min Deposit $50,000 Min Balance $0 Details Balance: $49,999.99 & Under; Limited to three debit transactions per quarterly statement; Requires personal Bank First checking with direct deposit Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 2.48% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Savings Elite	0.00%	0.00%
Min Deposit $0 Min Balance $0 Details Balance: $2,499.99 & Under; Requires Bank First checking with direct deposit Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Bank First, NA Business Savings Rates

Product	Rate	APY	View More
First Savings Business	0.20%	0.20%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00 & Over Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Bank First, NA Money Market Rates

Product	Rate	APY
Money Market Elite	1.90%	1.92%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000.00 & Over; Ten (10) debit transactions (withdrawal or transfer) allowed per statement cycle; $5.00 fee per transaction over ten Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 1.92% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Money Market Elite	1.65%	1.66%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99; Ten (10) debit transactions (withdrawal or transfer) allowed per statement cycle; $5.00 fee per transaction over ten Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Money Market Elite	1.15%	1.16%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99; Ten (10) debit transactions (withdrawal or transfer) allowed per statement cycle; $5.00 fee per transaction over ten Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Money Market	0.15%	0.15%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Money Market	0.10%	0.10%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Money Market	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Money Market	0.05%	0.05%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Money Market Elite	0.00%	0.00%
Min Deposit $0 Min Balance $0 Details Balance: $9,999.99 & Under; Ten (10) debit transactions (withdrawal or transfer) allowed per statement cycle; $5.00 fee per transaction over ten Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Bank First, NA Business Money Market Rates

Product	Rate	APY
Business Money Market Elite	1.25%	1.26%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000.00 & Over Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Business Money Market Elite	1.00%	1.00%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Business Money Market Elite	0.50%	0.50%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Business Money Market	0.15%	0.15%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00 & Over Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Business Money Market Elite	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Balance: $9,999.99 & Under Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Business Money Market	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Balance: $2,499.99 & Under Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Bank First, NA Checking Rates

Product	Rate	APY
Military First Checking	0.25%	0.25%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Military First Checking	0.25%	0.25%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00 & Over Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
First Rate Checking	0.20%	0.20%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00 & Over Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Military First Checking	0.20%	0.20%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500.00 to $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
First Rate Checking	0.15%	0.15%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500.00 to $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
First Rate Checking	0.15%	0.15%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Military First Checking	0.15%	0.15%
Min Deposit $0 Min Balance $0 Details Balance: $2,499.99 & Under Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
First Rate Checking	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Balance: $2,499.99 & Under Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Bank First, NA Mortgage Rates

Product	Rate	Points	APR	Term
Conventional 10 Year Fixed	6.375%	-	6.519%	10 years
Details Mortgage purchase rate; Rates Updated: 11/4/2026 Last Updated 11/05/2026 Rate History 4 changes since Sep 24, 2026 · 6.90% → 6.52% ▼ 0.38 pts · high 7.15% / low 6.52% Oct 31, 20266.52%▼ from 6.77% Oct 26, 20266.77%▼ from 7.03% Oct 20, 20267.03%▼ from 7.15% Sep 27, 20267.15%▲ from 6.90% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Conventional 15 Year Fixed	6.625%	-	6.729%	15 years
Details Mortgage purchase rate; Rates Updated: 11/4/2026 Last Updated 11/05/2026 Rate History 5 changes since Sep 24, 2026 · 6.86% → 6.73% ▼ 0.13 pts · high 7.11% / low 6.73% Oct 31, 20266.73%▼ from 6.86% Oct 26, 20266.86%▼ from 6.98% Oct 20, 20266.98%▼ from 7.11% Oct 1, 20267.11%▲ from 6.98% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Conventional 20 Year Fixed	7.00%	-	7.087%	20 years
Details Mortgage purchase rate; Rates Updated: 11/4/2026 Last Updated 11/05/2026 Rate History 5 changes since Sep 24, 2026 · 7.47% → 7.09% ▼ 0.38 pts · high 7.72% / low 7.09% Nov 5, 20267.09%▼ from 7.21% Oct 31, 20267.21%▼ from 7.47% Oct 20, 20267.47%▼ from 7.72% Oct 1, 20267.72%▲ from 7.59% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Conventional 30 Year Fixed	7.125%	-	7.193%	30 years
Details Mortgage purchase rate; Rates Updated: 11/4/2026 Last Updated 11/05/2026 Rate History 4 changes since Sep 24, 2026 · 7.45% → 7.19% ▼ 0.25 pts · high 7.70% / low 7.19% Oct 31, 20267.19%▼ from 7.45% Oct 20, 20267.45%▼ from 7.70% Oct 1, 20267.70%▲ from 7.57% Sep 27, 20267.57%▲ from 7.45% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
VA 30 Year Fixed	7.00%	-	7.302%	30 years
Details Mortgage purchase rate; Rates Updated: 11/4/2026 Last Updated 11/05/2026 Rate History 4 changes since Sep 24, 2026 · 7.18% → 7.30% ▲ 0.13 pts · high 7.69% / low 7.18% Oct 26, 20267.30%▼ from 7.43% Oct 20, 20267.43%▼ from 7.69% Oct 1, 20267.69%▲ from 7.56% Sep 27, 20267.56%▲ from 7.18% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
USDA 30 Year Fixed	7.00%	-	7.554%	30 years
Details Mortgage purchase rate; Rates Updated: 11/4/2026 Last Updated 11/05/2026 Rate History 4 changes since Sep 24, 2026 · 7.43% → 7.55% ▲ 0.13 pts · high 7.94% / low 7.43% Oct 26, 20267.55%▼ from 7.68% Oct 20, 20267.68%▼ from 7.94% Oct 1, 20267.94%▲ from 7.81% Sep 27, 20267.81%▲ from 7.43% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Bank First, NA’s Texas Ratio rose from 0.91% in Q3 2023 to 3.47% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$5.9B	3.47%	5.0	A+
March 31, 2026	$6.1B	3.76%	5.0	A+
December 31, 2025	$4.5B	1.51%	5.0	A+
September 30, 2025	$4.4B	2.32%	5.0	A+
June 30, 2025	$4.4B	2.30%	5.0	A+
March 31, 2025	$4.5B	1.29%	5.0	A+
December 31, 2024	$4.5B	1.59%	5.0	A+
September 30, 2024	$4.3B	2.05%	5.0	A+
June 30, 2024	$4.1B	1.97%	5.0	A+
March 31, 2024	$4.1B	2.17%	5.0	A+
December 31, 2023	$4.2B	1.53%	5.0	A+
September 30, 2023	$4.1B	0.91%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank First, NA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank First, NA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank First, NA's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Bank First, NA

Website https://www.bankfirst.com

Address 402 N 8th St, Manitowoc, WI 54220 · Manitowoc

Bank Holding Company BANK FIRST CORP

FDIC Certificate # 5304

Regulator OCC

Established January 1, 1894

FDIC Insurance Date January 1, 1934

Domestic Offices 38

Total Branches 38

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.47%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.6727%

Return on Equity (ROE)

12.5200%

Non-Performing Loans Ratio (NPL)

0.43%

Total Assets

$5,944,186,000

Total Deposits

$5,029,078,000

Equity Capital

$805,932,000

Net Income

$46,031,000

Headquarters

Manitowoc

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Bank First, NA earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/bank-first-national-association-rates-review-5304">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Bank First, NA yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Bank First, NA

Frequently Asked Questions About Bank First, NA

Does Bank First, NA offer CDs?

Yes. Bank First, NA current CD rates include its CD - 12-Month at 2.28% APY, its CD - 18-Month at 2.28% APY and its CD - 24-Month at 2.28% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Bank First, NA FDIC insured?

Yes. Bank First, NA is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Bank First, NA?

The highest Bank First, NA CD rate is its Certificate of Deposit - 35-Month Special at 4.47% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Bank First, NA offer?

Bank First, NA CD rates are 2.28% APY for a 12 month CD, 2.28% APY for an 18 month CD, 2.28% APY for a 2 year CD, 2.28% APY for a 3 year CD, 2.28% APY for a 4 year CD and 2.28% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Bank First, NA for its full lineup.

What is the highest savings rate at Bank First, NA?

The highest Bank First, NA savings rate is its Investment Savings at 3.35% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Bank First, NA?

The highest Bank First, NA money market rate is its Money Market Elite at 1.92% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Bank First, NA?

The highest Bank First, NA checking rate is its Military First Checking at 0.25% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Bank First, NA?

The lowest Bank First, NA 30 year fixed mortgage rate is its VA 30 Year Fixed at 7.00%, verified by MonitorBankRates as of November 5, 2026. Bank First, NA mortgage rates are 7.125% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.625% for a 15 year mortgage and 6.375% for a 10 year mortgage.

How many branches does Bank First, NA operate?

Bank First, NA currently maintains approximately 38 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bank First, NA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank First, NA provides members with tools to manage their accounts and build a solid financial history.

Does Bank First, NA offer online and mobile banking?

Most modern institutions like Bank First, NA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankfirst.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Bank First, NA rates compare?

Bank First, NA's top CD rate of 4.47% APY on a 35 month CD is 57% higher than the MonitorBankRates national average of 2.85% APY for that term, and it has an A+ health rating. Bank First, NA's top rates are its 35-Months Certificate of Deposit - 35-Month Special at 4.47% APY, its Investment Savings at 3.35% APY, its Money Market Elite at 1.92% APY, its Military First Checking at 0.25% APY and its Conventional 10 Year Fixed at 6.375%, verified by MonitorBankRates on November 5, 2026.

Current Bank First, NA Rates

12-Month CD2.28%
18-Month CD2.28%
24-Month CD2.28%
36-Month CD2.28%
48-Month CD2.28%
60-Month CD2.28%
Savings3.35%
MMA1.92%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

Katahdin Trust Company Fredonia Valley Bank First Trust Bank of Illinois Servbank HomeTown Bank Galveston, TX First Harrison Bank Prime Security Bank Sunrise Banks National Association Peoples Bank Willacoochee, GA The Iuka State Bank The Bank of Marion Exchange Bank Milledgeville, GA Security Savings Bank Canton, SD Interamerican Bank DMB Community Bank Mer Rouge State Bank Bank Northwest Bank of Little Rock Town Bank Gateway Bank Mendota Heights, MN State Bank of the Lakes

Bank First, NA Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Bank First, NA Texas Ratio

Bank First, NA Health Trend

Bank First, NA CD Rates

Bank First, NA Savings Rates

Bank First, NA Business Savings Rates

Bank First, NA Money Market Rates

Bank First, NA Business Money Market Rates

Bank First, NA Checking Rates

Bank First, NA Mortgage Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Bank First, NA earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Bank First, NA

Does Bank First, NA offer CDs?

Are CDs from Bank First, NA FDIC insured?

What is the highest CD rate at Bank First, NA?

What CD terms does Bank First, NA offer?

What is the highest savings rate at Bank First, NA?

What is the highest money market rate at Bank First, NA?

What is the highest checking rate at Bank First, NA?

What is the lowest 30 year fixed mortgage rate at Bank First, NA?

How many branches does Bank First, NA operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Bank First, NA offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Bank First, NA rates compare?

Current Bank First, NA Rates

Compare to Other Banks