Certificate of Deposit (CD)
Earn interest over a set period of time with a guaranteed fixed rate of return. A great solution for longer-term savings.
Certificates of Deposit/IRA Certificates of Deposit (CDs)
Minimum $2,500 to open. To qualify for the Relationship rates, you must have a Nicolet National Bank checking account that receives a monthly direct deposit.
| Relationship CD | CD | |||
|---|---|---|---|---|
| Term | Interest Rate | APY* | Interest Rate | APY* |
| 3 Month | 3.020% | 3.05% | 2.720% | 2.75% |
| 6 Month | 3.455% | 3.50% | 3.160% | 3.20% |
| 9 Month | 3.747% | 3.80% | 3.455% | 3.50% |
| 12 Month | 3.990% | 4.05% | 3.698% | 3.75% |
| 15 Month | 4.135% | 4.20% | 3.844% | 3.90% |
| 18 Month | 4.232% | 4.30% | 3.941% | 4.00% |
| 24 Month | 4.329% | 4.40% | 4.038% | 4.10% |
| 36 Month | 4.426% | 4.50% | 3.941% | 4.00% |
| 48 Month | 4.474% | 4.55% | 3.990% | 4.05% |
| 60 Month | 4.523% | 4.60% | 4.038% | 4.10% |
Investor Choice CDs
Minimum $10,000 to open. To qualify for the Relationship rates, you must have a Nicolet National Bank checking account that receives a monthly direct deposit.
| Relationship CD | CD | |||
|---|---|---|---|---|
| Term | Interest Rate | APY* | Interest Rate | APY* |
| 30 Month | 2.87% | 2.90% | 2.62% | 2.65% |
| 42 Month | 1.00% | 1.00% | 0.75% | 0.75% |
Product Benefits
- A great solution for longer-term savings
- Earn competitive interest on entire balance
Rates last updated on 11/05/2026. Rates are subject to change without notice.
*Annual Percentage Yield (APY)
IMPORTANT DISCLOSURE INFORMATION—PLEASE READ
Investor Choice Certificate of Deposit – $10,000 minimum to open.
The Investor Choice Certificate offers customers an option to increase the rate one time during the term of the certificate. The rate increase will be determined by the current rate of the Investor Choice Certificate. At the time of the increase, additional funds may be added up to the amount of the original deposit, in increments of $1,000 (limited to initial deposit). Available for consumer deposits only.
Certificates of Deposit / Individual Retirement Account (IRA) CDs & Investor Choice CDs
The disclosed APY (Annual Percentage Yield) assumes that Interest will remain on deposit. The APY is defined as a percentage rate reflecting the annualized interest paid on an account based upon the indicated frequency of compounding for a 365/366 day period. Fees or early withdrawals will reduce earnings. CDs are subject to penalty for early withdrawal: 6 months interest if maturity is 24 months or less: 12 months interest if maturity is more than 24 months. Interest is compounded quarterly. Interest is credited to your account quarterly. Interest is calculated using the daily balance method. Interest Rate and APY may change at our discretion.