Personal Banking / Rates / Savings Rates
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Savings Rates

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Personal Savings**

$5 monthly service charge if available balance falls below $100.
Minimum $100 to open.

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Junior Savings**

Ages 0-20, minimum $50 to open.
$5 monthly service charge if available balance falls below $50.

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Individual Retirement Account (IRA)**

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Health Savings Account (HSA) ^

Minimum $100 to open; $10 set-up fee.
$5 monthly fee for paper statements.

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Rates last updated on 12/16/2022. Rates are subject to change without notice.

* Your stated APY (Annual Percentage Yield) is variable and may change at any time at the discretion of Nicolet National Bank. The disclosed APY assumes that interest will remain on deposit.  Fees could reduce earnings and APY.

**Interest is compounded quarterly. Interest is credited to your account quarterly.  We use the daily balance method to calculate the interest earned on your account. The daily balance method applies a daily periodic rate to the account balance each day.

^ Health Savings Account (HSA):  Interest is compounded monthly. Interest is credited to your account monthly.  We use the daily balance method to calculate the interest earned on your account. The daily balance method applies a daily periodic rate to the account balance each day.