What are the current interest rates at First State Bank Nebraska?

Current rates for First State Bank Nebraska include: 12-Month CD: 3.73%, 18-Month CD: 4.05%, 24-Month CD: 3.95%, 36-Month CD: 2.50%, 48-Month CD: 2.50%, 60-Month CD: 2.50%, Savings: 2.00%, MMA: 1.50%

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First State Bank Nebraska

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First State Bank Nebraska Rates & Review October 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

First State Bank Nebraska's top rates as of October 7, 2026 are 4.05% APY on its 18-Months 18-Month CD, 2.00% APY on savings, 1.50% APY on money market accounts, and 6.05% APY on checking, according to rates verified by MonitorBankRates. Other First State Bank Nebraska CD rates include 24-Month CD at 3.95%, 12-Months 12-Month CD at 3.73%, and 6-Months 6-Month CD at 3.54%. MonitorBankRates evaluates the financial stability of First State Bank Nebraska with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.05%. Rates last updated and verified on 10/07/2026.

First State Bank Nebraska 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 First State Bank Nebraska? Share your experience about First State Bank Nebraska by leaving a review below, or read customer reviews before you decide to use First State Bank Nebraska.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.05%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First State Bank Nebraska

2701 Grainger Pkwy
Lincoln, NE 68516

https://www.1fsb.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

First State Bank Nebraska CD Rates

Product	Rate	APY	Term
18 month CD	3.99%	4.05%	18 months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 3.81% → 4.05% ▲ 0.24 pts · high 4.05% / low 3.81% Oct 7, 20264.05%▲ from 3.81% Sep 19, 20263.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
24 Month CD	3.88%	3.95%	24 Month
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 8, 2026 · 3.86% → 3.95% ▲ 0.09 pts · high 3.95% / low 3.86% Oct 7, 20263.95%▲ from 3.86% Sep 8, 20263.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
12 month CD	3.68%	3.73%	12 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.73% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
6 month CD	3.49%	3.54%	6 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.54% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
36 month CD	2.48%	2.50%	36 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
48 month CD	2.48%	2.50%	48 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
60 month CD	2.48%	2.50%	60 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
30 month CD	1.24%	1.25%	30 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
3 month CD	0.50%	0.50%	3 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
1 Month CD	0.05%	0.05%	1 Month
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
2 month CD	0.05%	0.05%	2 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%

First State Bank Nebraska Savings Rates

Product	Rate	APY
First Rate Savings	1.98%	2.00%
Min Deposit $100 Details Savings account that offers a higher interest rate if requirements are met. Account must receive eStatements. Rate when requirements are not met is .01%. Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Health Savings Accounts	1.24%	1.25%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000.00 & over Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Health Savings Accounts	0.50%	0.50%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000.00 to $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Health Savings Accounts	0.25%	0.25%
Min Deposit $100 Min Balance $0 Details Balance: $0 to $999.99 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Savings	0.20%	0.20%
Min Deposit $100 Min Balance $75,000 Details Balance: $75,000.00 & over Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Savings	0.15%	0.15%
Min Deposit $100 Min Balance $0 Details Balance: $0 to $74,999.99 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%

First State Bank Nebraska Money Market Rates

Product	Rate	APY
Money Market	1.49%	1.50%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 & over Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 to $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%

First State Bank Nebraska Checking Rates

Product	Rate	APY
First Rate Checking Account - Level 2	-	6.05%
Min Deposit $100 Min Balance $30,000 Details Qualifications Required: Receive e-statements; At least one online bill payment; At least one automatic debit or direct deposit; Minimum of 18 debit card transactions of $5 or more; Balance: $30,000.01 to $60,000; No interest earned when requirements are not met. Limit of one First Rate Checking account per customer. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 6.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
First Rate Checking Account - Level 1	-	3.25%
Min Deposit $100 Min Balance $0 Details Qualifications Required: Receive e-statements; At least one online bill payment; At least one automatic debit or direct deposit; Minimum of 12 debit card transactions of $5 or more; Balance: up to $30,000; No interest earned when requirements are not met. Limit of one First Rate Checking account per customer. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
First Rate Checking Account - Level 2	-	3.25%
Min Deposit $100 Min Balance $0 Details Qualifications Required: Receive e-statements; At least one online bill payment; At least one automatic debit or direct deposit; Minimum of 18 debit card transactions of $5 or more; Balance: up to $30,000; No interest earned when requirements are not met. Limit of one First Rate Checking account per customer. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
First Rate Checking Account - Level 1	-	0.10%
Min Deposit $100 Min Balance $30,000 Details Qualifications Required: Receive e-statements; At least one online bill payment; At least one automatic debit or direct deposit; Minimum of 12 debit card transactions of $5 or more; Balance: over $30,000; No interest earned when requirements are not met. Limit of one First Rate Checking account per customer. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
First Rate Checking Account - Level 2	-	0.10%
Min Deposit $100 Min Balance $60,000 Details Qualifications Required: Receive e-statements; At least one online bill payment; At least one automatic debit or direct deposit; Minimum of 18 debit card transactions of $5 or more; Balance: over $60,000; No interest earned when requirements are not met. Limit of one First Rate Checking account per customer. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%

First State Bank Nebraska Other Rates

Product	Rate	Points	APY/APR	Term	View More
Variable Rate IRA	0.75%	-	0.75%
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First State Bank Nebraska’s Texas Ratio fell from 1.60% in Q3 2023 to 1.05% 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 5.0 to 5.0. 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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	1.05%	5.0	A+
March 31, 2026	$1.1B	0.22%	5.0	A+
December 31, 2025	$1.1B	0.48%	5.0	A+
September 30, 2025	$1.1B	0.60%	5.0	A+
June 30, 2025	$1.1B	0.67%	5.0	A+
March 31, 2025	$1.1B	0.21%	5.0	A+
December 31, 2024	$1.1B	0.27%	5.0	A+
September 30, 2024	$1.0B	0.32%	5.0	A+
June 30, 2024	$1.0B	0.58%	5.0	A+
March 31, 2024	$992M	0.18%	5.0	A+
December 31, 2023	$993M	1.36%	5.0	A+
September 30, 2023	$986M	1.60%	5.0	A+

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 First State Bank Nebraska 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 First State Bank Nebraska 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 First State Bank Nebraska's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First State Bank Nebraska

Bank Holding Company FIRST STATE HOLDING CO

Address 2701 Grainger Pkwy, Lincoln, NE 68516 · Lancaster

Website https://www.1fsb.bank

FDIC Certificate # 13868

Established 19121212

FDIC Insurance Date 19340210

Domestic Offices 18

Total Branches 18

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.05%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5067%

Return on Equity (ROE) 14.8300%

Non-Performing Loans (NPL) 0.19%

Total Assets $1,134,968,000

Total Deposits $989,999,000

Equity Capital $115,240,000

Net Income $8,471,000

Headquarters Lincoln

Total Branches and Offices 18

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First State Bank Nebraska earned the Verified Healthy badge

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Frequently Asked Questions About First State Bank Nebraska

How many branches does First State Bank Nebraska operate?

First State Bank Nebraska currently maintains approximately 18 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, First State Bank Nebraska 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, First State Bank Nebraska provides members with tools to manage their accounts and build a solid financial history.

Does First State Bank Nebraska offer online and mobile banking?

Most modern institutions like First State Bank Nebraska 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.1fsb.bank.