First National Bank Bemidji

Overview / Commentary
1600 Paul Bunyan Dr
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 1,038th largest bank in the nation. It was established in 1897 and as of September of 2023, it had grown to 110 employees at 4 locations. First National Bank Bemidji's CD rates are 5X the national average, and it has a B health rating.

Reviews (2)

Must Apply In Person

Posted by: |

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!


The bank tellers are all friendly inside and at the outside window. The only thing that I didn't like was that there was a fee if the saving's account balance dropped below a certain amount. I was charged a fee so I ended my saving's account, not wanting to deal with the hassle of a fee.


Health Grade Components

FDIC Certificate #5093
Year Established1897
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD24.02%
Annual Interest Income$31.3MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$961.6MM$999.9MM
LoansQ3 2023vs Q3 2022$386MM$364.9MM
DepositsQ3 2023vs Q3 2022$802MM$831.1MM
Equity CapitalQ3 2023vs Q3 2022$24.8MM$26MM
Loan Loss AllowanceQ3 2023vs Q3 2022$2.8MM$2.7MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$468K$620K
Real Estate OwnedQ3 2023vs Q3 2022$125K$0
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not First National Bank Bemidji; we are a rate comparison website and cannot provide official rates or promotions.

* 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

1.87%*$50k*-Health Savings Account
OTHER TIERS: 1.66% Up to $5k | 1.71% $5k - $15k | 1.76% $15k - $25k | 1.81% $25k - $50k
0.90%--Young Investor Savings
0.90%$200-Statement Savings
0.80%$50-Thrift Savings

First National Bank Bemidji Money Market Rates

1.76%*$250k*-First Insured Money Market
OTHER TIERS: 1.46% Up to $1k | 1.51% $1k - $10k | 1.53% $10k - $25k | 1.71% $25k - $250k

First National Bank Bemidji Checking Account Rates

0.80%$800-First Plus Checking

First National Bank Bemidji CD Rates

5.05%*$25k*-91 Day CD
OTHER TIERS: 4.85% $500 - $25k
5.00%*$25k*-182 Day CD
OTHER TIERS: 4.80% $500 - $25k
4.74%*$25k*-1 Year CD
OTHER TIERS: 4.55% $500 - $25k
4.74%*$25k*-18 Month CD
OTHER TIERS: 4.55% $500 - $25k
4.50%*$25k*-2 Year CD
OTHER TIERS: 4.29% $500 - $25k
4.50%*$25k*-2 Year One-Up CD
OTHER TIERS: 4.29% $500 - $25k
4.29%*$25k*-30 Month CD
OTHER TIERS: 4.08% $500 - $25k
4.24%*$25k*-3 Year CD
OTHER TIERS: 4.04% $500 - $25k
4.20%*$25k*-4 Year One-Up CD
OTHER TIERS: 4.01% $500 - $25k
4.17%*$25k*-4 Year CD
OTHER TIERS: 3.98% $500 - $25k
4.15%*$25k*-5 Year CD
OTHER TIERS: 3.96% $500 - $25k

First National Bank Bemidji IRA Rates

5.03%$1k-18 Month Fixed IRA
3.61%$100-18 Month Variable IRA

First National Bank Bemidji Locations
The First National Bank Of Bemidji1600 Paul Bunyan Dr NwBemidji, MN 56601
Express Branch429 Minnesota AvenueBemidji, MN 56619
South Branch607 Washington Avenue SBemidji, MN 56601

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.