What are the current interest rates at First National Bank of Bemidji?

Current rates for First National Bank of Bemidji include: 12-Month CD: 3.52%, 18-Month CD: 3.52%, 24-Month CD: 3.52%, 36-Month CD: 3.62%, 48-Month CD: 3.56%, 60-Month CD: 3.71%

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First National Bank of Bemidji

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First National Bank of Bemidji Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank of Bemidji 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

First National Bank of Bemidji's top rate as of October 7, 2026 is 3.91% APY on its 5 Year Certificates of Deposit CD, according to rates verified by MonitorBankRates. Other First National Bank of Bemidji CD rates include 4 Year Certificates of Deposit at 3.90%, 2 Year Certificates of Deposit at 3.82%, and 30-Month Certificates of Deposit at 3.82%. MonitorBankRates evaluates the financial stability of First National Bank of Bemidji with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.78%. Rates last updated and verified on 10/07/2026.

First National Bank of Bemidji 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 First National Bank of Bemidji? Share your experience about First National Bank of Bemidji by leaving a review below, or read customer reviews before you decide to use First National Bank of Bemidji.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.78%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

The First National Bank of Bemidji

1600 Paul Bunyan Dr Nw
Bemidji, MN 56601

https://www.fnbbemidji.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.

First National Bank of Bemidji CD Rates

Product	Rate	APY	Term
5 Year Certificates of Deposit	3.85%	3.91%	5 Year
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.65% → 3.91% ▲ 0.26 pts · high 3.91% / low 3.65% Oct 2, 20263.91%▲ from 3.65% Sep 24, 20263.65%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
4 Year Certificates of Deposit	3.84%	3.90%	4 Year
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.64% → 3.90% ▲ 0.26 pts · high 3.90% / low 3.64% Oct 2, 20263.90%▲ from 3.64% Sep 24, 20263.64%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
2 Year Certificates of Deposit	3.77%	3.82%	2 Year
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.57% → 3.82% ▲ 0.25 pts · high 3.82% / low 3.57% Oct 2, 20263.82%▲ from 3.57% Sep 24, 20263.57%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
30 Month Certificates of Deposit	3.77%	3.82%	30 Month
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.57% → 3.82% ▲ 0.25 pts · high 3.82% / low 3.57% Oct 2, 20263.82%▲ from 3.57% Sep 24, 20263.57%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
3 Year Certificates of Deposit	3.76%	3.81%	3 Year
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.56% → 3.81% ▲ 0.25 pts · high 3.81% / low 3.56% Oct 2, 20263.81%▲ from 3.56% Sep 24, 20263.56%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
4 years One-Up (4 Yr) Certificates of Deposit	3.70%	3.75%	4 years
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
1 Year Certificates of Deposit	3.66%	3.71%	1 Year
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56% Oct 2, 20263.71%▲ from 3.56% Sep 24, 20263.56%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
18 Month Certificates of Deposit	3.66%	3.71%	18 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56% Oct 2, 20263.71%▲ from 3.56% Sep 24, 20263.56%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
5 Year Certificates of Deposit	3.66%	3.71%	5 Year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000-$24,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45% Oct 2, 20263.71%▲ from 3.45% Sep 27, 20263.45%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
2 years One-Up (2 Yr) Certificates of Deposit	3.66%	3.71%	2 years
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
4 Year Certificates of Deposit	3.65%	3.70%	4 Year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000-$24,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 3.44% → 3.70% ▲ 0.26 pts · high 3.70% / low 3.44% Oct 2, 20263.70%▲ from 3.44% Sep 27, 20263.44%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
182 Day Certificates of Deposit	3.64%	3.67%	182 Days
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.52% → 3.67% ▲ 0.15 pts · high 3.67% / low 3.52% Oct 2, 20263.67%▲ from 3.52% Sep 24, 20263.52%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
91 Day Certificates of Deposit	3.61%	3.66%	91 Days
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.51% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.51% Oct 2, 20263.66%▲ from 3.51% Sep 24, 20263.51%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
2 Year Certificates of Deposit	3.57%	3.62%	2 Year
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 3.36% → 3.62% ▲ 0.26 pts · high 3.62% / low 3.36% Oct 2, 20263.62%▲ from 3.36% Sep 27, 20263.36%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
3 Year Certificates of Deposit	3.57%	3.62%	3 Year
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 3.36% → 3.62% ▲ 0.26 pts · high 3.62% / low 3.36% Oct 2, 20263.62%▲ from 3.36% Sep 27, 20263.36%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
30 Month Certificates of Deposit	3.57%	3.62%	30 Month
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 3.36% → 3.62% ▲ 0.26 pts · high 3.62% / low 3.36% Oct 2, 20263.62%▲ from 3.36% Sep 27, 20263.36%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
4 years One-Up (4 Yr) Certificates of Deposit	3.51%	3.56%	4 years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000-$24,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
1 Year Certificates of Deposit	3.47%	3.52%	1 Year
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 3.36% → 3.52% ▲ 0.16 pts · high 3.52% / low 3.36% Oct 2, 20263.52%▲ from 3.36% Sep 27, 20263.36%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
18 Month Certificates of Deposit	3.47%	3.52%	18 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 3.36% → 3.52% ▲ 0.16 pts · high 3.52% / low 3.36% Oct 2, 20263.52%▲ from 3.36% Sep 27, 20263.36%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
2 years One-Up (2 Yr) Certificates of Deposit	3.47%	3.52%	2 years
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.52% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
182 Day Certificates of Deposit	3.44%	3.47%	182 Days
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000-$24,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 3.32% → 3.47% ▲ 0.15 pts · high 3.47% / low 3.32% Oct 2, 20263.47%▲ from 3.32% Sep 27, 20263.32%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
91 Day Certificates of Deposit	3.41%	3.45%	91 Days
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000-$24,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30% Oct 2, 20263.45%▲ from 3.30% Sep 27, 20263.30%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%

First National Bank of Bemidji Other Rates

Product	Rate	Points	APY/APR	Term
IRA Fixed	3.37%	-	3.42%	18 Months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.42% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
IRA Fixed	3.56%	-	3.62%	18 Months
Min Deposit $10,000 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.62% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
IRA Variable Rate	2.95%	-	2.99%	18 Months
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 2.99% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%

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

First National Bank of Bemidji’s Texas Ratio rose from 2.39% in Q3 2023 to 14.78% 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 1.0 to 5.0 and its Health Grade from F 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	$1.1B	14.78%	5.0	A-
March 31, 2026	$1.0B	16.84%	4.9	A-
December 31, 2025	$1.0B	16.17%	4.9	A-
September 30, 2025	$1.0B	17.53%	4.8	B+
June 30, 2025	$979M	20.99%	4.1	B-
March 31, 2025	$930M	20.29%	4.6	B
December 31, 2024	$945M	20.04%	4.6	B
September 30, 2024	$949M	18.23%	4.7	B+
June 30, 2024	$934M	4.57%	3.9	B
March 31, 2024	$916M	1.08%	3.8	B+
December 31, 2023	$939M	1.02%	3.7	B
September 30, 2023	$962M	2.39%	1.0	F

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 First National Bank of Bemidji 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 First National Bank of Bemidji 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 First National Bank of Bemidji's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank of Bemidji

Bank Holding Company FIRST NB OF BEMIDJI ESOP&TRUST

Address 1600 Paul Bunyan Dr Nw, Bemidji, MN 56601 · Beltrami

Website https://www.fnbbemidji.com

FDIC Certificate # 5093

Established 18971127

FDIC Insurance Date 19340101

Domestic Offices 3

Total Branches 3

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

14.78%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4221%

Return on Equity (ROE) 17.9200%

Non-Performing Loans (NPL) 1.01%

Total Assets $1,078,508,000

Total Deposits $844,391,000

Equity Capital $87,027,000

Net Income $7,396,000

Headquarters Bemidji

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First National Bank of Bemidji earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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Frequently Asked Questions About First National Bank of Bemidji

How many branches does First National Bank of Bemidji operate?

First National Bank of Bemidji currently maintains approximately 3 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, First National Bank of Bemidji 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, First National Bank of Bemidji provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank of Bemidji offer online and mobile banking?

Most modern institutions like First National Bank of Bemidji 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.fnbbemidji.com.