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First National Bank Bemidji


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.80%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 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)

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!

2


Health
C+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #5093
Year Established1897
Employees109
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD4.91%
Annual Interest Income$9.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$930.3MM$916.5MM
LoansQ1 2025vs Q1 2024$406.4MM$372.8MM
DepositsQ1 2025vs Q1 2024$800.9MM$783.5MM
Equity CapitalQ1 2025vs Q1 2024$65.9MM$53MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.2MM$3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$11.6MM$450K
Real Estate OwnedQ1 2025vs Q1 2024$1.8MM$125K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.80%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 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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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$800-First Plus Checking

First National Bank Bemidji CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Bank1600 Paul Bunyan Dr NwBemidji, MN 56601
South Bank607 Washington Ave SBemidji, MN 56601

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