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%

MonitorBankRates

☰

Home›
Banks›
Bank Five Nine

iAdvertiser Disclosure

Bank Five Nine Rates & Review November 2026

Q: What CD terms does Bank Five Nine offer?

Bank Five Nine CD rates are 3.50% APY for a 12 month CD, 3.75% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.25% APY for a 4 year CD and 4.50% 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 Five Nine for its full lineup.

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.

Content reviewed by

Brian McKay

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

Bank Five Nine's 60-Month CD rates are at 4.50%, 48-Month CD rates are at 4.25%, 36-Month CD rates are at 4.00%, 24-Month CD rates are at 3.75%, 24-Month Young American CD rates are at 3.75%. Bank Five Nine's savings rates are at 0.10%. Bank Five Nine's money market rates are at 3.00%. Bank Five Nine's checking rates are as high as 0.02%. Bank Five Nine's top CD rate of 4.65% APY on a 23 month CD is 58% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A health rating. 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 11/05/2026.

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 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

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 Five Nine CD Rates

Product	Rate	APY	Term	Min. Deposit
23-Month Special IRA	4.57%	4.65%	23 months	$2,500
Min Deposit $2,500 Details New Money only; at maturity renews into a standard 24-month term; IRA: one deposit per calendar year up to $10,000; Wisconsin residents only; higher APY requires an active Bank Five Nine consumer checking account (Special Relationship pricing) Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
23-Month CD/IRA	-	4.65%	23-Month	$2,500
Min Deposit $2,500 Details New money only; at maturity renews into standard 24-month term; Rate effective as of September 18, 2026; Active Bank consumer checking account required to receive stated APY; Wisconsin residents only for IRA deposit limit footnote Last Updated 11/05/2026 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	4.43%	4.50%	60 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
60-Month IRA	4.43%	4.50%	60 months	$100
Min Deposit $100 Details IRA: one deposit per calendar year up to $10,000 for Wisconsin residents Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
16-Month Special IRA	4.38%	4.45%	16 months	$2,500
Min Deposit $2,500 Details New Money only; at maturity renews into a standard 24-month term; IRA: one deposit per calendar year up to $10,000; Wisconsin residents only; higher APY requires an active Bank Five Nine consumer checking account (Special Relationship pricing) Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
16-Month CD/IRA	-	4.45%	16-Month	$2,500
Min Deposit $2,500 Details New money only; at maturity renews into standard 24-month term; Rate effective as of September 18, 2026; Active Bank consumer checking account required to receive stated APY; Wisconsin residents only for IRA deposit limit footnote Last Updated 11/05/2026 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	4.33%	4.40%	23 months	$2,500
Min Deposit $2,500 Details New Money only; at maturity renews into a standard 24-month term; higher APY requires an active Bank Five Nine consumer checking account (Special Relationship pricing) Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
48-Month CD	4.18%	4.25%	48 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
48-Month IRA	4.18%	4.25%	48 months	$100
Min Deposit $100 Details IRA: one deposit per calendar year up to $10,000 for Wisconsin residents Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
16-Month Special CD	4.13%	4.20%	16 months	$2,500
Min Deposit $2,500 Details New Money only; at maturity renews into a standard 24-month term; higher APY requires an active Bank Five Nine consumer checking account (Special Relationship pricing) Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
11-Month Special IRA	4.04%	4.10%	11 months	$2,500
Min Deposit $2,500 Details New Money only; at maturity renews into a standard 12-month term; IRA: one deposit per calendar year up to $10,000; Wisconsin residents only; higher APY requires an active Bank Five Nine consumer checking account (Special Relationship pricing) Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
11-Month CD/IRA	-	4.10%	11-Month	$2,500
Min Deposit $2,500 Details New money only; at maturity renews into standard 12-month term; Rate effective as of September 18, 2026; Active Bank consumer checking account required to receive stated APY; Wisconsin residents only for IRA deposit limit footnote Last Updated 11/05/2026 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	3.94%	4.00%	36 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
36-Month IRA	3.94%	4.00%	36 months	$100
Min Deposit $100 Details IRA: one deposit per calendar year up to $10,000 for Wisconsin residents Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
7-Month Special IRA	3.84%	3.90%	7 months	$2,500
Min Deposit $2,500 Details New Money only; at maturity renews into a standard 12-month term; IRA: one deposit per calendar year up to $10,000; Wisconsin residents only; higher APY requires an active Bank Five Nine consumer checking account (Special Relationship pricing) Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
7-Month CD/IRA	-	3.90%	7-Month	$2,500
Min Deposit $2,500 Details New money only; at maturity renews into standard 12-month term; Rate effective as of September 18, 2026; Active Bank consumer checking account required to receive stated APY; Wisconsin residents only for IRA deposit limit footnote Last Updated 11/05/2026 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	3.79%	3.85%	11 months	$2,500
Min Deposit $2,500 Details New Money only; at maturity renews into a standard 12-month term; higher APY requires an active Bank Five Nine consumer checking account (Special Relationship pricing) Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
24-Month CD	3.70%	3.75%	24 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
24-Month IRA	3.70%	3.75%	24 months	$100
Min Deposit $100 Details IRA: one deposit per calendar year up to $10,000 for Wisconsin residents Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
24-Month Young American CD	3.70%	3.75%	24 months	$200
Min Deposit $200 Details Offer applicable to minors and enrolled students only; unlimited deposits of $50.00 or more allowed during initial and subsequent term; maximum new money deposit of $250,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
7-Month Special CD	3.60%	3.65%	7 months	$2,500
Min Deposit $2,500 Details New Money only; at maturity renews into a standard 12-month term; higher APY requires an active Bank Five Nine consumer checking account (Special Relationship pricing) Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
12-Month CD	3.46%	3.50%	12 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
12-Month IRA	3.46%	3.50%	12 months	$100
Min Deposit $100 Details IRA: one deposit per calendar year up to $10,000 for Wisconsin residents Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
6-Month CD	2.97%	3.00%	6 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
6-Month IRA	2.97%	3.00%	6 months	$100
Min Deposit $100 Details IRA: one deposit per calendar year up to $10,000 for Wisconsin residents Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 6 times 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 Details Minimum to obtain APY: $0.01 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 13 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 11/05/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 13 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 11/05/2026 Rate History No change since Sep 14, 2026 · 0.06% APY · checked 13 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 Details Minimum to obtain APY: $0.01 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 13 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 11/05/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 13 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 Details Minimum to obtain APY: $0.01 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 13 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 Details Minimum to obtain APY: $0.01 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 13 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 Balance: $15,000.00 - above; Introductory rate guaranteed 180 calendar days after account opening if active consumer checking account requirements are met; requires open and active consumer checking account and one relationship per household Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market - Standard Rate	0.60%	0.60%
Min Deposit $15,000 Min Balance $250,000 Details Balance: $250,000.00 - above; Standard rates apply after introductory period; requires open and active consumer checking account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market - Standard Rate	0.50%	0.50%
Min Deposit $15,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Standard rates apply after introductory period; requires open and active consumer checking account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market - Standard Rate	0.40%	0.40%
Min Deposit $15,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Standard rates apply after introductory period; requires open and active consumer checking account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
First Rate Money Market (Consumer)	0.30%	0.30%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - above; Interest calculated daily on entire balance at tier rate Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market - Standard Rate	0.30%	0.30%
Min Deposit $15,000 Min Balance $15,000 Details Balance: $15,000.00 - $49,999.99; Standard rates apply after introductory period; requires open and active consumer checking account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
First Rate Money Market (Consumer)	0.25%	0.25%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Interest calculated daily on entire balance at tier rate Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
First Rate Money Market (Consumer)	0.20%	0.20%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest calculated daily on entire balance at tier rate Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market - Standard Rate	0.20%	0.20%
Min Deposit $15,000 Min Balance $2,500 Details Balance: $2,500.00 - $14,999.99; Standard rates apply after introductory period; requires open and active consumer checking account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
First Rate Money Market (Consumer)	0.15%	0.15%
Min Deposit $2,500 Min Balance $15,000 Details Balance: $15,000.00 - $49,999.99; Interest calculated daily on entire balance at tier rate Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
First Rate Money Market (Consumer)	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $14,999.99; Interest calculated daily on entire balance at tier rate Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 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 Details Minimum to obtain APY: $0.01 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market - Introductory Rate	0.10%	0.10%
Min Deposit $15,000 Min Balance $0 Details Balance: $0.01 - $14,999.99; Introductory rate guaranteed 180 calendar days after account opening if active consumer checking account requirements are met; requires open and active consumer checking account and one relationship per household Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
First Rate Money Market (Consumer)	0.04%	0.04%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 - $2,499.99; Interest calculated daily on entire balance at tier rate Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Relationship Money Market - Standard Rate	0.04%	0.04%
Min Deposit $15,000 Min Balance $0 Details Balance: $0.01 - $2,499.99; Standard rates apply after introductory period; requires open and active consumer checking account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

Bank Five Nine Checking Rates

Product	Rate	APY	View More
Relationship Checking	0.02%	0.02%
Min Deposit $100 Min Balance $0 Details Minimum dollar amount to obtain APY: $0.01 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 11 times 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.
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 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

Bank Name Bank Five Nine

Website https://www.bankfivenine.com

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

Bank Holding Company OCONOMOWOC BANCSHARES INC

FDIC Certificate # 12517

Regulator FDIC

Established September 1, 1859

FDIC Insurance Date January 1, 1934

Domestic Offices 19

Total Branches 19

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.25%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.3203%

Return on Equity (ROE)

14.5100%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Bank Five Nine 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-five-nine-rates-review-12517">
  <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 Five Nine 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 Five Nine

Frequently Asked Questions About Bank Five Nine

Does Bank Five Nine offer CDs?

Yes. Bank Five Nine current CD rates include its 60-Month CD at 4.50% APY, its 48-Month CD at 4.25% APY and its 36-Month CD at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Bank Five Nine FDIC insured?

Yes. Bank Five Nine 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 Five Nine?

The highest Bank Five Nine CD rate is its 23-Month Special IRA CD at 4.65% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Bank Five Nine offer?

Bank Five Nine CD rates are 3.50% APY for a 12 month CD, 3.75% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.25% APY for a 4 year CD and 4.50% 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 Five Nine for its full lineup.

What is the highest savings rate at Bank Five Nine?

The highest Bank Five Nine savings rate is its Elite Savings at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Bank Five Nine?

The highest Bank Five Nine money market rate is its Relationship Money Market - Introductory Rate at 3.00% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Bank Five Nine?

The highest Bank Five Nine checking rate is its Relationship Checking at 0.02% APY, verified by MonitorBankRates as of November 5, 2026.

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.

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 Five Nine rates compare?

Bank Five Nine's top CD rate of 4.65% APY on a 23 month CD is 58% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A health rating. Bank Five Nine's top rates are its 23-Months 23-Month Special IRA CD at 4.65% APY, its Elite Savings at 0.10% APY, its Relationship Money Market - Introductory Rate at 3.00% APY and its Relationship Checking at 0.02% APY, verified by MonitorBankRates on November 5, 2026.

Current Bank Five Nine Rates

12-Month CD3.50%
24-Month CD3.75%
36-Month CD4.00%
48-Month CD4.25%
60-Month CD4.50%
Savings0.10%
MMA3.00%

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

Compare to Other Banks

Logan State Bank The Citizens Bank of Georgia County Bank Rehoboth Beach, DE Charter Bank IA Bank of Greene County First State Bank and Trust The Bank of Landisburg South Coast Bank & Trust Savers Co-operative Bank White State Bank Bank of Maple Plain State Bank of India US Cowboy Bank of Texas Embassy National Bank ValueBank Texas Richland County Bank Middletown Valley Bank Security State Bank Farwell, TX Dewey Bank PSB Princeville State Bank FNB of Hebbronville

Bank Five Nine Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Bank Five Nine Texas Ratio

Bank Five Nine Health Trend

Bank Five Nine CD Rates

Bank Five Nine Savings Rates

Bank Five Nine Money Market Rates

Bank Five Nine Checking Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Bank Five Nine earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Bank Five Nine

Does Bank Five Nine offer CDs?

Are CDs from Bank Five Nine FDIC insured?

What is the highest CD rate at Bank Five Nine?

What CD terms does Bank Five Nine offer?

What is the highest savings rate at Bank Five Nine?

What is the highest money market rate at Bank Five Nine?

What is the highest checking rate at Bank Five Nine?

How many branches does Bank Five Nine operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Bank Five Nine 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 Five Nine rates compare?

Current Bank Five Nine Rates

Compare to Other Banks