First National Bank Bemidji

TODAY'S FEATURED RATES

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fnbbemidji.com

218-751-2430

1600 Paul Bunyan Dr Nw
Bemidji, MN 56601

First National Bank Bemidji is headquartered in Bemidji and is the 19th largest bank in the state of Minnesota. It is also the 1,098th largest bank in the nation. It was established in 1897 and as of August 2024, it had grown to 121 employees at 2 locations. First National Bank Bemidji's CD rates are 5X the national average, and it has a B+ health rating.

Reviews (1)

Write a Review

Must Apply In Person

Posted by: jlgayh76 | Apr 7, 2023

Glad I called their Customer Service first. The CSR was nice but informed me that I would have to apply in Person. Somewhat difficult since I live in Texas.

I don't see that requirement on their website. Anyway, for locals might be a good bank to place one of your CD ladder deposits!

Health

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	5093
Year Established	1897
Employees	114
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.84%
Return on Equity - YTD	13.16%
Annual Interest Income	$44.1MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$945.2MM$939.4MM
Loans	Q4 2024vs Q4 2023	$411.6MM$372.1MM
Deposits	Q4 2024vs Q4 2023	$804.2MM$803.1MM
Equity Capital	Q4 2024vs Q4 2023	$66MM$53.9MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$3.2MM$2.9MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$11.4MM$425K
Real Estate Owned	Q4 2024vs Q4 2023	$1.8MM$125K

TODAY'S FEATURED RATES

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank Bemidji Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.87%^*	$50k^*	-	Health Savings Account
OTHER TIERS: 1.66% → $0 - $5k \| 1.71% → $5k - $15k \| 1.76% → $15k - $25k \| 1.81% → $25k - $50k
0.80%	$0	-	Young Investor Savings
0.80%	$200	-	Statement Savings
0.70%	$50	-	Thrift Savings

First National Bank Bemidji Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.76%^*	$250k^*	-	First Insured Money Market
OTHER TIERS: 1.46% → $0 - $1k \| 1.51% → $1k - $10k \| 1.53% → $10k - $25k \| 1.71% → $25k - $250k

First National Bank Bemidji Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%	$800	-	First Plus Checking

First National Bank Bemidji CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.98%^*	$25k^*	-	182 Day CD
OTHER TIERS: 3.78% → $1k - $25k
3.92%^*	$25k^*	-	91 Day CD
OTHER TIERS: 3.71% → $1k - $25k
3.92%^*	$25k^*	-	5 Year CD
OTHER TIERS: 3.72% → $1k - $25k
3.90%^*	$25k^*	-	4 Year CD
OTHER TIERS: 3.70% → $1k - $25k
3.86%^*	$25k^*	-	1 Year CD
OTHER TIERS: 3.67% → $500 - $25k
3.86%^*	$25k^*	-	18 Month CD
OTHER TIERS: 3.67% → $500 - $25k
3.84%^*	$25k^*	-	4 Year One-Up CD
OTHER TIERS: 3.65% → $1k - $25k
3.77%^*	$25k^*	-	3 Year CD
OTHER TIERS: 3.58% → $500 - $25k
3.72%^*	$25k^*	-	2 Year CD
OTHER TIERS: 3.52% → $500 - $25k
3.72%^*	$25k^*	-	30 Month CD
OTHER TIERS: 3.52% → $500 - $25k
3.67%^*	$25k^*	-	2 Year One-Up CD
OTHER TIERS: 3.46% → $500 - $25k

First National Bank Bemidji IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.88%^*	$10k^*	-	18 Month Fixed IRA
OTHER TIERS: 3.68% → $1k - $10k
3.14%	$100	-	18 Month Variable IRA

Locations

First National Bank Bemidji Locations
Main Bank	1600 Paul Bunyan Dr Nw	Bemidji, MN 56601
South Bank	607 Washington Ave S	Bemidji, MN 56601

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