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Bruning Bank Rates & Review September 2026

Bruning Bank's 24-Months*** Certificates of Deposit - 24-Month rates are at 3.85%, 10-Months Special** Certificates of Deposit - 10-Month Special rates are at 3.75%, 5-Months Special** Certificates of Deposit - 5-Month Special rates are at 3.65%, 60-Months Certificates of Deposit - 60-Month rates are at 2.22%, 48-Months Certificates of Deposit - 48-Month rates are at 2.02%. Bruning Bank's savings rates are at 0.25%. MonitorBankRates evaluates the financial stability of Bruning Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/19/2026.

Bruning Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bruning Bank? Share your experience about Bruning Bank by leaving a review below, or read customer reviews before you decide to use Bruning Bank.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.00%
Perfect Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Bruning Bank
104 E Main St
Bruning, NE 68322
https://www.bruningbank.com
Member FDIC

Bruning Bank CD Rates

Product Rate APY Term View More
Certificates of Deposit - 24 month 3.80% 3.85% 24 Months***
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Certificates of Deposit - 10 month Special 3.70% 3.75% 10 Months Special**
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Certificates of Deposit - 5 month Special 3.60% 3.65% 5 Months Special**
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Certificates of Deposit - 60 month 2.20% 2.22% 60 Months
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Certificates of Deposit - 48 month 2.00% 2.02% 48 Months
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
36-Month IRA CD 1.90% 1.91% 36-Month
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Certificates of Deposit - 36 month 1.90% 1.91% 36 Months
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Certificates of Deposit - 30 month 1.84% 1.85% 30 Months
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Certificates of Deposit - 18 month 1.70% 1.71% 18 Months
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
12-Month IRA CD 1.60% 1.61% 12-Month
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Certificates of Deposit - 12 month 1.60% 1.61% 12 Months
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Certificates of Deposit - 9 month 1.50% 1.51% 9 Months
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
6-Month IRA CD 1.40% 1.41% 6-Month
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Certificates of Deposit - 182 Days 1.40% 1.41% 182 Days
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Bruning Bank Savings Rates

Product Rate APY View More
Money Market Savings Accounts 0.80% 0.80%
Min Balance $1,000,000
Details Balance: 1,000,000.00 and Above
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Savings Accounts 0.75% 0.75%
Min Balance $500,000
Details Balance: 500,000.00-$999,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Savings Accounts 0.65% 0.65%
Min Balance $250,000
Details Balance: 250,000.00-$499,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Savings Accounts 0.55% 0.55%
Min Balance $100,000
Details Balance: 100,000.00-249,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Health Savings Account (HSA) 0.50% 0.50%
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Savings Accounts 0.45% 0.45%
Min Balance $50,000
Details Balance: 50,000.00-99,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Savings Accounts 0.35% 0.35%
Min Balance $2,500
Details Balance: 2,500.00-49,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Savings Account 0.30% 0.30%
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Savings Accounts 0.25% 0.25%
Min Balance $0
Details Balance: .01-2,499.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Bruning Bank Money Market Rates

Product Rate APY View More
Money Market Savings Accounts 0.80% 0.80%
Min Balance $1,000,000
Details Balance: 1,000,000.00 and Above
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Savings Accounts 0.75% 0.75%
Min Balance $500,000
Details Balance: 500,000.00-$999,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Savings Accounts 0.65% 0.65%
Min Balance $250,000
Details Balance: 250,000.00-$499,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Savings Accounts 0.55% 0.55%
Min Balance $100,000
Details Balance: 100,000.00-249,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Savings Accounts 0.45% 0.45%
Min Balance $50,000
Details Balance: 50,000.00-99,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Savings Accounts 0.35% 0.35%
Min Balance $2,500
Details Balance: 2,500.00-49,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Savings Accounts 0.25% 0.25%
Min Balance $0
Details Balance: .01-2,499.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Bruning Bank Checking Rates

Product Rate APY View More
Premier Checking 4.00% 4.00%
Min Balance $0
Details Balance: $0.01 - $10,000.00
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Premier Checking 0.65% 0.65%
Min Balance $250,000
Details Balance: $250,000.01 and Above
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Plus Interest Checking Accounts 0.60% 0.60%
Min Balance $1,000,000
Details Balance: 1,000,000.00 and Above
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Plus Interest Checking Accounts 0.55% 0.55%
Min Balance $500,000
Details Balance: 500,000.00-999,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Premier Checking 0.55% 0.55%
Min Balance $100,000
Details Balance: $100,000.01 - $250,000.00
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Gold Checking Accounts 0.50% 0.50%
Min Balance $250,000
Details Balance: 250,000.00 and Above
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Plus Interest Checking Accounts 0.50% 0.50%
Min Balance $250,000
Details Balance: 250,000.00-499,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Premier Checking 0.45% 0.45%
Min Balance $10,000
Details Balance: $10,000.01 - $100,000.00
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Gold Checking Accounts 0.40% 0.40%
Min Balance $100,000
Details Balance: 100,000.00-249,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Plus Interest Checking Accounts 0.40% 0.40%
Min Balance $100,000
Details Balance: 100,000.00-249,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Gold Checking Accounts 0.30% 0.30%
Min Balance $50,000
Details Balance: 50,000.00-99,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Plus Interest Checking Accounts 0.30% 0.30%
Min Balance $50,000
Details Balance: 50,000.00-99,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Gold Checking Accounts 0.25% 0.25%
Min Balance $1,000
Details Balance: 1,000.00-49,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Plus Interest Checking Accounts 0.25% 0.25%
Min Balance $0
Details Balance: .01-49,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Bruning Bank Other Rates

Product Rate Points APY/APR Term View More
Individual Retirement Account (IRA) 0.60% - 0.60%
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Financial Health History

Bruning Bank’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.2 to 5.0 and its Health Grade from A- to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.3% 2.0★ 0.5% 3.0★ 0.8% 4.0★ 1% 5.0★ Healthy zone – entire history below the 15% limit 0.00% A- Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.00% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$660M0.00%5.0A+
March 31, 2026$667M0.00%5.0A+
December 31, 2025$680M0.00%5.0A+
September 30, 2025$674M0.00%5.0A+
June 30, 2025$649M0.03%5.0A+
March 31, 2025$623M0.00%5.0A+
December 31, 2024$653M0.00%5.0A+
September 30, 2024$645M0.00%5.0A+
June 30, 2024$622M0.00%5.0A+
March 31, 2024$597M0.00%5.0A+
December 31, 2023$617M0.00%5.0A+
September 30, 2023$594M0.00%4.2A-
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bruning Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bruning Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bruning Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bruning Bank
Bank Holding Company BRUNING BANCSHARES INC
Address 104 E Main St, Bruning, NE 68322  ·  Thayer
FDIC Certificate # 18748
Established 18910901
FDIC Insurance Date 19630405
Domestic Offices 6
Total Branches 6
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 100/100
5.0
Exceptional Out of 5.0 Stars
0.00%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.2308%
Return on Equity (ROE) 14.1300%
Non-Performing Loans (NPL) 0.00%
Total Assets $659,944,000
Total Deposits $560,442,000
Equity Capital $60,028,000
Net Income $4,116,000
Headquarters Bruning
Total Branches and Offices 6
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Bruning Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/bruning-bank-rates-review-18748">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews
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Frequently Asked Questions About Bruning Bank

How many branches does Bruning Bank operate?

Bruning Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bruning Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bruning Bank provides members with tools to manage their accounts and build a solid financial history.

Does Bruning Bank offer online and mobile banking?

Most modern institutions like Bruning Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bruningbank.com.

Current Bruning Bank Rates

  • 12-Month CD1.61%
  • 18-Month CD1.71%
  • 24-Month CD3.85%
  • 36-Month CD1.91%
  • 48-Month CD2.02%
  • 60-Month CD2.22%
  • Savings0.25%
Retrieved from our database of financial products. Rates subject to change.