What are the current interest rates at Bank Five Nine?

Current rates for Bank Five Nine include: 12-Month CD: 3.50%, 24-Month CD: 3.75%, 36-Month CD: 4.00%, 48-Month CD: 4.25%, 60-Month CD: 4.50%, Savings: 0.10%, MMA: 3.00%

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Bank Five Nine Rates & Review October 2026

Q: How many branches does Bank Five Nine operate?

Bank Five Nine currently maintains approximately 19 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Bank Five Nine 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Bank Five Nine's top rates as of October 7, 2026 are 4.65% APY on its 23-Month 23-Month CD/IRA, 0.10% APY on savings, and 3.00% APY on money market accounts, according to rates verified by MonitorBankRates. Other Bank Five Nine CD rates include 60-Month CD / IRA at 4.50%, 16-Month 16-Month CD/IRA at 4.45%, and 23-Month Special CD / IRA at 4.40%. MonitorBankRates evaluates the financial stability of Bank Five Nine with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.25%. Rates last updated and verified on 10/07/2026.

Bank Five Nine 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 Five Nine? Share your experience about Bank Five Nine by leaving a review below, or read customer reviews before you decide to use Bank Five Nine.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.25%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Bank Five Nine

155 W Wisconsin Ave
Oconomowoc, WI 53066

https://www.bankfivenine.com

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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 Five Nine CD Rates

Product	Rate	APY	Term
23-Month CD/IRA	-	4.65%	23 Month
Min Deposit $2,500 Details Certificate of Deposits and Individual Retirement Accounts must be opened with new money not currently on deposit at Bank Five Nine ("Bank"). An open and active Bank consumer checking account is required to maintain a CD/IRA account and receive stated Annual Percentage Yield (APY). 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. $2,500 minimum to open. Rate effective as of September 18, 2026. Business and Municipal money is not accepted. Interest rates are subject to change without notice. Early withdrawal from CD/IRA account may result in penalty. Fees may reduce earnings. Bank reserves the right to end the promotion at any time. New money only. At maturity, 23-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. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 4.65% ▲ 0.15 pts · high 4.65% / low 4.50% Sep 18, 20264.65%▲ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
60 Month CD / IRA	4.43%	4.50%	60 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50% Oct 2, 20264.50%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
16-Month CD/IRA	-	4.45%	16 Month
Min Deposit $2,500 Details Certificate of Deposits and Individual Retirement Accounts must be opened with new money not currently on deposit at Bank Five Nine ("Bank"). An open and active Bank consumer checking account is required to maintain a CD/IRA account and receive stated Annual Percentage Yield (APY). 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. $2,500 minimum to open. Rate effective as of September 18, 2026. Business and Municipal money is not accepted. Interest rates are subject to change without notice. Early withdrawal from CD/IRA account may result in penalty. Fees may reduce earnings. Bank reserves the right to end the promotion at any time. 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. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 4.30% → 4.45% ▲ 0.15 pts · high 4.45% / low 4.30% Sep 18, 20264.45%▲ from 4.30% Sep 14, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
23 Month Special CD / IRA	4.33%	4.40%	23 Month
Min Deposit $2,500 Details APY range: 4.40% / 4.65%^; RATE range: 4.33% / 4.57%^ Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25% Sep 18, 20264.40%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
48 Month CD / IRA	4.18%	4.25%	48 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.40% → 4.25% ▲ 1.85 pts · high 4.25% / low 2.40% Oct 2, 20264.25%▲ from 2.40% Sep 14, 20262.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
16 Month Special CD / IRA	4.13%	4.20%	16 Month
Min Deposit $2,500 Details APY range: 4.20% / 4.45%^; RATE range: 4.13% / 4.38%^ Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05% Sep 18, 20264.20%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
11-Month CD/IRA	-	4.10%	11 Month
Min Deposit $2,500 Details Certificate of Deposits and Individual Retirement Accounts must be opened with new money not currently on deposit at Bank Five Nine ("Bank"). An open and active Bank consumer checking account is required to maintain a CD/IRA account and receive stated Annual Percentage Yield (APY). 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. $2,500 minimum to open. Rate effective as of September 18, 2026. Business and Municipal money is not accepted. Interest rates are subject to change without notice. Early withdrawal from CD/IRA account may result in penalty. Fees may reduce earnings. Bank reserves the right to end the promotion at any time. 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. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80% Sep 18, 20264.10%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
36 Month CD / IRA	3.94%	4.00%	36 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.30% → 4.00% ▲ 1.70 pts · high 4.00% / low 2.30% Oct 2, 20264.00%▲ from 2.30% Sep 14, 20262.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
7-Month CD/IRA	-	3.90%	7 Month
Min Deposit $2,500 Details Certificate of Deposits and Individual Retirement Accounts must be opened with new money not currently on deposit at Bank Five Nine ("Bank"). An open and active Bank consumer checking account is required to maintain a CD/IRA account and receive stated Annual Percentage Yield (APY). 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. $2,500 minimum to open. Rate effective as of September 18, 2026. Business and Municipal money is not accepted. Interest rates are subject to change without notice. Early withdrawal from CD/IRA account may result in penalty. Fees may reduce earnings. Bank reserves the right to end the promotion at any time. 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. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80% Sep 18, 20263.90%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
11 Month Special CD / IRA	3.79%	3.85%	11 Month
Min Deposit $2,500 Details APY range: 3.85% / 4.10%^; RATE range: 3.79% / 4.04%^ Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55% Sep 18, 20263.85%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
24 Month CD / IRA	3.70%	3.75%	24 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.20% → 3.75% ▲ 1.55 pts · high 3.75% / low 2.20% Oct 2, 20263.75%▲ from 2.20% Sep 14, 20262.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
7 Month Special CD / IRA	3.60%	3.65%	7 Month
Min Deposit $2,500 Details APY range: 3.65% / 3.90%^; RATE range: 3.60% / 3.84%^ Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55% Sep 18, 20263.65%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
12 Month CD / IRA	3.46%	3.50%	12 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.10% → 3.50% ▲ 1.40 pts · high 3.50% / low 2.10% Oct 2, 20263.50%▲ from 2.10% Sep 14, 20262.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
6 Month CD / IRA	2.97%	3.00%	6 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 3.00% ▲ 1.00 pts · high 3.00% / low 2.00% Oct 2, 20263.00%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

Bank Five Nine Savings Rates

Product	Rate	APY
Elite Savings	0.10%	0.10%
Min Deposit $100 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Health Savings Account	0.08%	0.08%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000.00 - above Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Health Savings Account	0.06%	0.06%
Min Deposit $50 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.06% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Good Savers Savings	0.04%	0.04%
Min Deposit $25 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Health Savings Account	0.04%	0.04%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Smart Savings	0.04%	0.04%
Min Deposit $50 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Statement Savings	0.04%	0.04%
Min Deposit $50 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

Bank Five Nine Money Market Rates

Product	Rate	APY
Relationship Money Market - Introductory Rate	2.96%	3.00%
Min Deposit $15,000 Min Balance $15,000 Details Introductory Rate Tiers; Balance: $15,000.00 - above Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market	2.96%	2.96%
Min Deposit $15,000 Min Balance $15,000 Details Introductory Rate Tiers; Balance: $15,000.00 - above Last Updated 10/07/2026 Rate History 2 changes since Sep 14, 2026 · 2.50% → 2.96% ▲ 0.46 pts · high 3.00% / low 2.50% Oct 7, 20262.96%▼ from 3.00% Oct 2, 20263.00%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market	0.60%	0.60%
Min Deposit $15,000 Min Balance $250,000 Details Standard Rate Tiers; Balance: $250,000.00 - above Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market	0.50%	0.50%
Min Deposit $15,000 Min Balance $100,000 Details Standard Rate Tiers; Balance: $100,000.00 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market	0.40%	0.40%
Min Deposit $15,000 Min Balance $50,000 Details Standard Rate Tiers; Balance: $50,000.00 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
First Rate Money Market	0.30%	0.30%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - above Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
First Rate Money Market (Consumer)	-	0.30%
Min Deposit $2,500 Details Interest is calculated on the entire balance each day at the rate in effect for that balance tier. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market	0.30%	0.30%
Min Deposit $15,000 Min Balance $15,000 Details Standard Rate Tiers; Balance: $15,000.00 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
First Rate Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
First Rate Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market	0.20%	0.20%
Min Deposit $15,000 Min Balance $2,500 Details Standard Rate Tiers; Balance: $2,500.00 - $14,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
First Rate Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $15,000 Details Balance: $15,000.00 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
First Rate Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $14,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
IRA Money Market	0.10%	0.10%
Min Deposit $100 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market	0.10%	0.10%
Min Deposit $15,000 Min Balance $0 Details Introductory Rate Tiers; Balance: $0.01 - $14,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
First Rate Money Market	0.04%	0.04%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market	0.04%	0.04%
Min Deposit $15,000 Min Balance $0 Details Standard Rate Tiers; Balance: $0.01 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

Bank Five Nine Other Rates

Product	Rate	Points	APY/APR	Term	View More
Young American CD	3.70%	-	3.75%
Min Deposit $200 Details IRA N/A Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.20% → 3.75% ▲ 1.55 pts · high 3.75% / low 2.20% Oct 2, 20263.75%▲ from 2.20% Sep 14, 20262.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

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.
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Financial Health History

Bank Five Nine’s Texas Ratio rose from 0.45% in Q3 2023 to 8.25% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$2.5B	8.25%	5.0	A
March 31, 2026	$2.6B	8.73%	5.0	A
December 31, 2025	$2.7B	2.40%	5.0	A+
September 30, 2025	$2.6B	2.85%	5.0	A+
June 30, 2025	$2.5B	1.88%	5.0	A+
March 31, 2025	$2.4B	1.86%	5.0	A+
December 31, 2024	$2.3B	1.54%	5.0	A+
September 30, 2024	$2.2B	0.73%	5.0	A+
June 30, 2024	$2.1B	0.80%	5.0	A+
March 31, 2024	$2.0B	0.50%	5.0	A+
December 31, 2023	$2.0B	0.25%	5.0	A+
September 30, 2023	$1.9B	0.45%	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 Five Nine 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 Five Nine 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 Five Nine's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bank Five Nine

Bank Holding Company OCONOMOWOC BANCSHARES INC

Address 155 W Wisconsin Ave, Oconomowoc, WI 53066 · Waukesha

Website https://www.bankfivenine.com

FDIC Certificate # 12517

Established 18590901

FDIC Insurance Date 19340101

Domestic Offices 19

Total Branches 19

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

8.25%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3203%

Return on Equity (ROE) 14.5100%

Non-Performing Loans (NPL) 1.55%

Total Assets $2,532,644,000

Total Deposits $2,098,738,000

Equity Capital $242,785,000

Net Income $17,185,000

Headquarters Oconomowoc

Total Branches and Offices 19

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Bank Five Nine earned the Verified Healthy badge

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Frequently Asked Questions About Bank Five Nine

How many branches does Bank Five Nine operate?

Bank Five Nine currently maintains approximately 19 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 Five Nine 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 Five Nine provides members with tools to manage their accounts and build a solid financial history.

Does Bank Five Nine offer online and mobile banking?

Most modern institutions like Bank Five Nine 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.bankfivenine.com.