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Nebraska Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Nebraska CD rates include West Gate BankWest Gate Bank6003 Old Cheney Rd, Lincoln, NE 68516A+5.0 ★Texas Ratio: 1.69%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month CD at 5.00% APY, Archer Cooperative Credit UnionArcher Cooperative Credit Union2121 Archer Rd, Archer, NE 68816A5.0 ★Texas Ratio: 8.07%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month One Year Student Share Certificates at 5.00% APY, First Westroads BankFirst Westroads Bank15750 W Dodge Rd, Omaha, NE 68118A+5.0 ★Texas Ratio: 0.61%Real return: +1.75%APY minus CPI (February 2026) offering 48 Month CD at 4.55% APY, Farmers and Merchants Bank Milligan, NEFarmers and Merchants Bank Milligan, NE501 Main St, Milligan, NE 68406A+5.0 ★Texas Ratio: 1.40%Real return: +1.57%APY minus CPI (February 2026) offering 36 Month Certificate of Deposit at 4.37% APY, and Thayer County BankThayer County Bank402 Lincoln Ave, Hebron, NE 68370A+5.0 ★Texas Ratio: 1.69%Real return: +1.45%APY minus CPI (February 2026) offering 48 Month CD at 4.25% APY. CD rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Nebraska side-by-side. Nebraska CD rates currently reach as high as 5.00% APY from West Gate Bank at 6003 Old Cheney Rd, Lincoln, NE 68516. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 21, 2026
Compare Best CD Rates in Nebraska
Nebraska 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
501 Main St, Milligan, NE 68406
3 Month Certificate of Deposit
$0
4.06%
▲ 2.00% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.00% above avg
Details
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
301 Center Ave, Curtis, NE 69025
3 Month Certificate
$250
4.06%
▲ 2.00% above national avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.00% above avg
Details
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
301 Main St, Bancroft, NE 68004
3 Month CD
$500
4.00%
▲ 1.94% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.94% above avg
Details
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
3 Mo CD
$1,000
3.90%
▲ 1.84% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.84% above avg
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.92%
2472 39th Ave, Columbus, NE 68601 2255
3 Month Share Certificate
$500
3.90%
▲ 1.84% above national avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.84% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 S Galway St, Greeley, NE 68842
3 Month CD
$0
3.85%
▲ 1.79% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.79% above avg
Details
Balance: $100,000.00 and up
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
15750 W Dodge Rd, Omaha, NE 68118
3 Month CD
$500
3.85%
▲ 1.79% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.79% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
19202 Davenport Street, Elkhorn, NE 68022
3 Month Certificate - Loyalty Program Platinum Tier
$0
3.80%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
Interest Rate is Base Interest Rate + 0.50%
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 S Galway St, Greeley, NE 68842
3 Month CD
$0
3.80%
▲ 1.74% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.74% above avg
Details
Balance: $25,000.00-99,999.99
Archer Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
2121 Archer Rd, Archer, NE 68816
3 Month Share & IRA Certificates
$500
3.80%
▲ 1.74% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 S Galway St, Greeley, NE 68842
3 Month CD
$0
3.75%
▲ 1.69% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.69% above avg
Details
Balance: $500.00-24,999.99
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
306 S High St, Cairo, NE 68824
3 Month CD
$1,000
3.75%
▲ 1.69% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.69% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
19202 Davenport Street, Elkhorn, NE 68022
3 Month Certificate - Loyalty Program Gold Tier
$0
3.70%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.64% above avg
Details
Interest Rate is Base Interest Rate + 0.40%
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
104 E Nebraska Ave, Cody, NE 69211
3 Month Certificate of Deposit
$0
3.65%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.59% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
19202 Davenport Street, Elkhorn, NE 68022
3 Month Certificate - Loyalty Program Silver Tier
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Interest Rate is Base Interest Rate + 0.30%
Access Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
7223 S 84th St, La Vista, NE 68128
3 Month Business Certificate of Deposit
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.54% above avg
Details
Interest Paid: Quarterly and at Maturity
Access Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
7223 S 84th St, La Vista, NE 68128
3 Month Certificate Special
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.54% above avg
Details
Interest Paid Quarterly and at Maturity
Access Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
7223 S 84th St, La Vista, NE 68128
3 Month Open a Certificate of Deposit
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.54% above avg
Details
Interest Paid: Quarterly and at Maturity
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
115 S Walnut St, Kimball, NE 69145
3 Month CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.54% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
19202 Davenport Street, Elkhorn, NE 68022
3 Month Certificate - Loyalty Program Bronze Tier
$0
3.50%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Interest Rate is Base Interest Rate + 0.20%
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
101 N Thayer St, Spencer, NE 68777
3 Month Certificates of Deposit (CDs)
$5,000
3.50%
▲ 1.44% above national avg
▼
Rate3.45%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.44% above avg
Details
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
945 S D St, Broken Bow, NE 68822
3 Month CD
$500
3.50%
▲ 1.44% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.44% above avg
Details
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
945 S D St, Broken Bow, NE 68822
Time Certificates of Deposit - 3 Months
$500
3.50%
▲ 1.44% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.44% above avg
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
1902 Harlan Dr, Bellevue, NE 68005
3-Month CD
$1,000
3.40%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
19202 Davenport Street, Elkhorn, NE 68022
3 Month Certificate
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
19202 Davenport Street, Elkhorn, NE 68022
3 Month Promotional CD
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Published APY range: 3.29% to 3.80%; Published rate range: 3.25% to 3.75%. Earn our highest rates* when you qualify for the Platinum tier of our Benefits Banking Loyalty Program . Open Online
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
301 Main St, Bancroft, NE 68004
3 Month Certificates of Deposit
$0
3.19%
▲ 1.13% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.13% above avg
Details
Balance: $10,000+
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
14509 F St, Omaha, NE 68137 1054
3 Month Certificate
$0
3.05%
▲ 0.99% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.99% above avg
Details
Platte Valley Bank North Bend, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
606 Main St, North Bend, NE 68649
3 Month Certificate
$500
2.30%
▲ 0.24% above national avg
▼
Rate2.28%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.24% above avg
Details
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
301 Main St, Bancroft, NE 68004
3 Month Certificates of Deposit
$0
2.27%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.21% above avg
Details
Balance: $2,500 - $9,999
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
16802 Burke St, Omaha, NE 68118
3 Month Certificate
$0
2.27%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.21% above avg
Details
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
16802 Burke St, Omaha, NE 68118
IRA Certificates of Deposit - 3 Month
$0
2.27%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.21% above avg
Details
First State Bank Hordville, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 Main St, Hordville, NE 68846
3 month Certificate
$0
2.02%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.04% below avg
Details
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
502 Willard Ave, Genoa, NE 68640
3 Month Certificate of Deposit
$0
1.65%
▼ 0.41% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.41% below avg
Details
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
100 S 3rd St, Humphrey, NE 68642
3 Month Certificate
$0
1.50%
▼ 0.56% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.56% below avg
Details
Cornerstone Bank York, NE
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
295 Center Ave, Ashton, NE 68817
3 Month NO PENALTY
$0
1.40%
▼ 0.66% below national avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.66% below avg
Details
SN Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
122 Main St, Wayne, NE 68787
3 Month Certificate
$0
1.25%
▼ 0.81% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.81% below avg
Details
Balance: $50,000 - $99,999.99
SN Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
122 Main St, Wayne, NE 68787
3 Month IRA Certificate
$0
1.25%
▼ 0.81% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.81% below avg
Details
APY**: 1.25%
LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4638 W St, Lincoln, NE 68503
3 Month Share Certificates
$0
1.25%
▼ 0.81% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.81% below avg
Details
The Bank of Steinauer
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 Main St, Steinauer, NE 68441
3 Month Certificate of Deposit
$500
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.06% below avg
Details
FNB of Johnson
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
125 Main St, Johnson, NE 68378
3-Month CD
$0
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.06% below avg
Details
SN Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
122 Main St, Wayne, NE 68787
3 Month Certificate
$0
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.06% below avg
Details
Balance: $1,000 - $24,999.99
SN Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
122 Main St, Wayne, NE 68787
3 Month IRA Certificate
$0
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.06% below avg
Details
APY**: 1.00%
Security Bank Laurel, NE
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
101 W Broadway St, Coleridge, NE 68727
31-90 Days CD
$0
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.06% below avg
Details
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
3 Month Certificate of Deposit (CD)
$0
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.06% below avg
Details
Wahoo State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
164 E 5th St, Wahoo, NE 68066
Certificates of Deposit - 3 Month
$0
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.06% below avg
Details
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
3 Month Certificate of Deposit (CD)
$0
0.80%
▼ 1.26% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.26% below avg
Details
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
649 Main St, Adams, NE 68301
3 Month Certificate of Deposit
$1,000
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.31% below avg
Details
Heritage Bank Wood River, NE
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
200 E 3rd St, Stromsburg, NE 68666
Personal & IRA CDs - 3 month
$0
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.31% below avg
Details
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
15750 W Dodge Rd, Omaha, NE 68118
IRA 3 Month CD
$500
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.31% below avg
Details
Nebraska 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
301 Center Ave, Curtis, NE 69025
6 Month Certificate
$250
4.07%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.30% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
501 Main St, Milligan, NE 68406
6 Month Certificate of Deposit
$0
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.29% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
6 Month Business Term Share Certificate
$0
4.05%
▲ 1.28% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.28% above avg
Details
Balance: $100,000.00 and greater; Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
6 Month Certificate
$100,000
4.05%
▲ 1.28% above national avg
▼
Rate3.99%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.28% above avg
Details
Member Loyalty APY: 4.20%; Period: Quarterly; Amount: $100,000.00 & greater
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
15750 W Dodge Rd, Omaha, NE 68118
6 Month CD
$500
4.01%
▲ 1.24% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.24% above avg
Details
SN Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
122 Main St, Wayne, NE 68787
6 Month Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.23% above avg
Details
Balance: $1,000 - $24,999.99
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
301 Main St, Bancroft, NE 68004
6 Month CD
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.23% above avg
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3001 S 82ND AVE, OMAHA, NE 68124
6 Month Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
6 Month Business Term Share Certificate
$0
3.95%
▲ 1.18% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.18% above avg
Details
Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
6 Month Certificate
$1,000
3.95%
▲ 1.18% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.18% above avg
Details
Member Loyalty APY: 4.10%; Period: Quarterly; Amount: $1,000.00-99,999.99
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
6 Month Certificate of Deposit (CD)
$0
3.91%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.14% above avg
Details
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
115 S Walnut St, Kimball, NE 69145
6 Month CD
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.13% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Enterprise Bank Omaha, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
525 N 132nd Street, Omaha, NE 68154
6 Month Certificate
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Nebraska Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
1414 15th St, Columbus, NE 68601
6 Month Share Certificate Special
$5,000
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Limited Time; Limit One Per Member
The Bank of Steinauer
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 Main St, Steinauer, NE 68441
6 Month Certificate of Deposit
$500
3.86%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.09% above avg
Details
First Lincoln Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.23%
5730 R ST STE A, Lincoln, NE 68505 2309
6 Month IRA Share Certificate
$0
3.86%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.09% above avg
Details
First Lincoln Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.23%
5730 R ST STE A, Lincoln, NE 68505 2309
6 Month Share Certificates
$0
3.86%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.09% above avg
Details
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
6 Month CD
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.08% above avg
Details
Balance: $75,000.00 and up
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
14509 F St, Omaha, NE 68137 1054
6 Month Certificate
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.08% above avg
Details
Archer Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
2121 Archer Rd, Archer, NE 68816
6 Month Share & IRA Certificates
$500
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
514 G Street, Pawnee City, NE 68420
6 Month Certificate of Deposit
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
545 Broadway, Imperial, NE 69033
6-MONTH CD
$500
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
APY effective as of July 1, 2026. Balance: $10,000.00 and up
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6003 Old Cheney Rd, Lincoln, NE 68516
6 Month Certificates of Deposit & IRA's
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
FNB of Johnson
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
125 Main St, Johnson, NE 68378
6-Month CD
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
6 Month CD
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
Balance: $50,000.00 - $74,999.99
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
6 Month Certificate of Deposit (CD)
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
I3 Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
12212 N 156th St, Bennington, NE 68007
Certificates of Deposit & IRAs - 6 Month
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.76%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
379 Main St, Unadilla, NE 68454
6 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.03% above avg
Details
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
6 Mo CD
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.03% above avg
Details
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1301 W 3RD ST, Alliance, NE 69301
6 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.03% above avg
Details
Compounding: Quarterly
LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4638 W St, Lincoln, NE 68503
6 Month Share Certificates
$0
3.76%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.99% above avg
Details
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
104 E Nebraska Ave, Cody, NE 69211
6 Month Certificate of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
SN Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
122 Main St, Wayne, NE 68787
6 Month IRA Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
APY**: 3.75%
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
306 S High St, Cairo, NE 68824
6 Month CD
$1,000
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
6 Month Certificate of Deposit (CD)
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
6 Month CD
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $25,000.00 - $49,999.99
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
101 N Thayer St, Spencer, NE 68777
6 Month Certificates of Deposit (CDs)
$500
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
101 N Thayer St, Spencer, NE 68777
6-Month Term cd
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
15750 W Dodge Rd, Omaha, NE 68118
IRA 6 Month CD
$500
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.83% above avg
Details
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
341 S 10th Ave, Broken Bow, NE 68822
6 Month CD
$500
3.60%
▲ 0.83% above national avg
▼
Rate3.57%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.83% above avg
Details
Electrical Workers No 22 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
8960 L St Ste 102, Omaha, NE 68127 1414
6 Months Term "O"
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.92%
2472 39th Ave, Columbus, NE 68601 2255
6 Month Share Certificate
$500
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
First Nebraska Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4740 S 48th St, Omaha, NE 68117
6 Month Term Share Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
(initial term)
First Nebraska Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4740 S 48th St, Omaha, NE 68117
SPECIAL TERM SHARE 6 Month initial term promo rate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Sidney Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1045 10th Ave, Sidney, NE 69162
6 Month CD
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
649 Main St, Adams, NE 68301
6 Month Certificate of Deposit
$1,000
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1345 Old Cheney Rd, Lincoln, NE 68512 1266
6-month Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $10,000 or more
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
901 W 29th St, Scottsbluff, NE 69361
6 Month Business Certificates
$500
3.55%
▲ 0.78% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.78% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
901 W 29th St, Scottsbluff, NE 69361
6 Month Share Certificate
$500
3.55%
▲ 0.78% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.78% above avg
Details
First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
102 Spruce St, Colon, NE 68018
6 Month CD
$500
3.54%
▲ 0.77% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.77% above avg
Details
Nebraska 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6003 Old Cheney Rd, Lincoln, NE 68516
12 Month CD
$0
5.00%
▲ 2.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 2.05% above avg
Details
Rate disclosed is for customers of West Gate Bank with Certificate of Deposit balances below $250,000. Add 0.25% to interest rate for balances at or over $250,000.00, No Term IRA excluded.
Archer Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
2121 Archer Rd, Archer, NE 68816
12 Month One Year Student Share Certificates
$500
5.00%
▲ 2.05% above national avg
▼
Rate5.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 2.05% above avg
Details
Maximum $10,000.00. Eligible through age 22.
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
15750 W Dodge Rd, Omaha, NE 68118
12 Month CD
$500
4.28%
▲ 1.33% above national avg
▼
Rate4.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.33% above avg
Details
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
301 Center Ave, Curtis, NE 69025
12 Month Certificate
$250
4.22%
▲ 1.27% above national avg
▼
Rate4.15%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.27% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
501 Main St, Milligan, NE 68406
12 Month Certificate of Deposit
$0
4.16%
▲ 1.21% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.21% above avg
Details
Access Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
7223 S 84th St, La Vista, NE 68128
12 Month Certificate Special
$0
4.05%
▲ 1.10% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.10% above avg
Details
*New money; Interest Paid Quarterly and at Maturity
FNB of Gordon
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
134 N Main St, Gordon, NE 69343
12 Month Certificate of Deposit
$0
4.03%
▲ 1.08% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.08% above avg
Details
The Bank of Steinauer
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 Main St, Steinauer, NE 68441
12 Month Certificate of Deposit
$500
4.01%
▲ 1.06% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.06% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
12 Month Business Term Share Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance: $100,000.00 and greater; Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
12 Month Certificate and IRA
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance: $100,000.00 & greater; Period: Quarterly
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
12 Month CD
$0
3.99%
▲ 1.04% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.04% above avg
Details
Balance: $75,000.00 and up
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
115 S Walnut St, Kimball, NE 69145
12 Month CD
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.00% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
12 Month CD
$0
3.94%
▲ 0.99% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.99% above avg
Details
Balance: $50,000.00 - $74,999.99
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
3000 Plaza Dr, South Sioux City, NE 68776
12 Month Certificate
$1,000
3.91%
▲ 0.96% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.96% above avg
Details
Access Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
7223 S 84th St, La Vista, NE 68128
12 Month Certificate Special
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.95% above avg
Details
Interest Paid Quarterly and at Maturity
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
14509 F St, Omaha, NE 68137 1054
12 Month Certificate
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.95% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
12 Month Baby Bundle Certificates
$25
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Period: Monthly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
12 Month Business Term Share Certificate
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
12 Month Certificate and IRA
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Balance: $1,000.00-99,999.99; Period: Quarterly
Archer Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
2121 Archer Rd, Archer, NE 68816
12 Month Share & IRA Certificates
$500
3.90%
▲ 0.95% above national avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.95% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
514 G Street, Pawnee City, NE 68420
12 Month Certificate of Deposit
$1,000
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
FNB of Johnson
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
125 Main St, Johnson, NE 68378
12-Month CD
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.90% above avg
Details
Lincoln Public School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
5621 N St, Lincoln, NE 68510
12 Month Share Certificates (CD)
$0
3.81%
▲ 0.86% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.86% above avg
Details
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
104 E Nebraska Ave, Cody, NE 69211
12 Month Certificate of Deposit
$0
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1301 W 3RD ST, Alliance, NE 69301
12 Month Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.85% above avg
Details
Compounding: Quarterly
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
12 Month CD
$0
3.78%
▲ 0.83% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.83% above avg
Details
Balance: $25,000.00 - $49,999.99
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
12 Month Certificate of Deposit (CD)
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.80% above avg
Details
Enterprise Bank Omaha, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
525 N 132nd Street, Omaha, NE 68154
12 Month Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.80% above avg
Details
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
12 Mo CD
$5,000
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
$5,000+
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
12 Mo IRA
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
First Nebraska Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4740 S 48th St, Omaha, NE 68117
12 Month Term Share Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
(initial term)
First Nebraska Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4740 S 48th St, Omaha, NE 68117
SPECIAL TERM SHARE 12 Month initial term promo rate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
MembersOwn Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
1391 S 33rd St, Lincoln, NE 68510 4508
12-month Share Certificate special
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Minimum deposit: $5,000
First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
102 Spruce St, Colon, NE 68018
12 Month CD
$500
3.73%
▲ 0.78% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.78% above avg
Details
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
101 N Thayer St, Spencer, NE 68777
12 Month Certificates of Deposit (CDs)
$500
3.70%
▲ 0.75% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.75% above avg
Details
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
649 Main St, Adams, NE 68301
12 Month Certificate of Deposit
$1,000
3.70%
▲ 0.75% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.75% above avg
Details
TFB Tecumseh Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
160 N 4th St, Tecumseh, NE 68450
12 Month Certificate
$0
3.70%
▲ 0.75% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.75% above avg
Details
Nebraska Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
1414 15th St, Columbus, NE 68601
1 Year Share Certificate
$5,000
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.75% above avg
Details
Nebraska Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
1414 15th St, Columbus, NE 68601
IRA 12 Month Certificate
$100
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.75% above avg
Details
LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4638 W St, Lincoln, NE 68503
12 Month Share Certificates
$0
3.66%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.71% above avg
Details
Central National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
411 N National Ave, Superior, NE 68978
12 Month CD Special
$5,000
3.65%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.70% above avg
Details
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
12 Month Certificate of Deposit (CD)
$0
3.65%
▲ 0.70% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.70% above avg
Details
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
12 Mo CD
$1,000
3.65%
▲ 0.70% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.70% above avg
Details
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
341 S 10th Ave, Broken Bow, NE 68822
12 Month CD
$500
3.65%
▲ 0.70% above national avg
▼
Rate3.62%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.70% above avg
Details
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
306 S High St, Cairo, NE 68824
12 Month CD
$1,000
3.60%
▲ 0.65% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.65% above avg
Details
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
12 Month Certificate of Deposit (CD)
$0
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.60% above avg
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.92%
2472 39th Ave, Columbus, NE 68601 2255
12 Month Share Certificate
$500
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.60% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
12 Month CD
$0
3.53%
▲ 0.58% above national avg
▼
Rate3.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.58% above avg
Details
Balance: $2,500.00 - $24,999.99
Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
8400 Maddox Dr, Lincoln, NE 68520
12 Month CD
$5,000
3.50%
▲ 0.55% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.55% above avg
Details
Special Annual Percentage Yield (APY) effective as of 06/22/26. Minimum to open is $5,000. Minimum to open waived for existing checking and savings account customers. Penalty for early withdrawal. Consumer accounts only. Rates are subject to change without notice.
Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
1700 FARNAM ST STE 1000, OMAHA, NE 68102
1 Year Share Certificate
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.55% above avg
Details
Balance: $1,000 Minimum Balance; Balance: $1,000 Minimum Balance
Nebraska 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Town & Country Bank Ravenna, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
423 Grand Ave, Ravenna, NE 68869
18 Month Opportunity CD Special
$2,500
4.10%
▲ 1.28% above national avg
▼
Rate4.04%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.28% above avg
Details
$2,500 minimum AND Checking Account Relation
Cattle Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
104 S 5th St, Seward, NE 68434
18 Month Certificate Special
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.18% above avg
Details
Special
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
379 Main St, Unadilla, NE 68454
18 Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.18% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
514 G Street, Pawnee City, NE 68420
18 Month Certificate of Deposit
$1,000
3.90%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
14509 F St, Omaha, NE 68137 1054
18 Month Certificate
$0
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.08% above avg
Details
Archer Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
2121 Archer Rd, Archer, NE 68816
18 Month Share & IRA Certificates
$500
3.90%
▲ 1.08% above national avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details
First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
102 Spruce St, Colon, NE 68018
18 Month CD
$500
3.81%
▲ 0.99% above national avg
▼
Rate3.76%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.99% above avg
Details
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
101 N Thayer St, Spencer, NE 68777
18 Month Certificates of Deposit (CDs)
$500
3.75%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.93% above avg
Details
FNB of Gordon
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
134 N Main St, Gordon, NE 69343
18 Month Certificate of Deposit
$0
3.72%
▲ 0.90% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.90% above avg
Details
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
115 S Walnut St, Kimball, NE 69145
18 Month CD
$0
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.78% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
306 S High St, Cairo, NE 68824
18 Month CD
$1,000
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.78% above avg
Details
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
18 Mo CD
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.68% above avg
Details
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
18 Mo IRA
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.68% above avg
Details
Great Plains State Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.53%
140 Main St, Petersburg, NE 68652
18 Month CD
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.63% above avg
Details
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
104 E Nebraska Ave, Cody, NE 69211
18 Month Certificate of Deposit
$0
3.44%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.62% above avg
Details
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
649 Main St, Adams, NE 68301
18 Month Certificate of Deposit
$1,000
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.62% above avg
Details
TFB Tecumseh Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
160 N 4th St, Tecumseh, NE 68450
18 Month Certificate
$0
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.62% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
18 Month Business Term Share Certificate
$0
3.35%
▲ 0.53% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.53% above avg
Details
Balance: $100,000.00 and greater; Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
18 Month Certificate and IRA
$0
3.35%
▲ 0.53% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.53% above avg
Details
Balance: $100,000.00 & greater; Period: Quarterly
LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4638 W St, Lincoln, NE 68503
18 Month Share Certificates
$0
3.30%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.48% above avg
Details
First Lincoln Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.23%
5730 R ST STE A, Lincoln, NE 68505 2309
18 Month IRA Share Certificate
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.48% above avg
Details
First Lincoln Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.23%
5730 R ST STE A, Lincoln, NE 68505 2309
18 Month Share Certificates
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.48% above avg
Details
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
16802 Burke St, Omaha, NE 68118
18 Month Certificate
$0
3.29%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.47% above avg
Details
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
16802 Burke St, Omaha, NE 68118
IRA Certificates of Deposit - 18 Month
$0
3.29%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.47% above avg
Details
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1301 W 3RD ST, Alliance, NE 69301
18 Month Certificate
$0
3.29%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.47% above avg
Details
Compounding: Quarterly
North Platte Union Pacific Employee Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
420 Rodeo Rd, North Platte, NE 69101 2240
18 Month Share Certificate
$0
3.29%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.47% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
18 Month Business Term Share Certificate
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.43% above avg
Details
Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
18 Month Certificate and IRA
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.43% above avg
Details
Balance: $1,000.00-99,999.99; Period: Quarterly
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
901 W 29th St, Scottsbluff, NE 69361
18 Month Business Certificates
$500
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.38% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
901 W 29th St, Scottsbluff, NE 69361
18 Month Share Certificate
$500
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.38% above avg
Details
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
301 Main St, Bancroft, NE 68004
18 Month Certificates of Deposit
$0
3.19%
▲ 0.37% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.37% above avg
Details
Balance: $10,000+
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
341 S 10th Ave, Broken Bow, NE 68822
18 Month CD
$500
3.15%
▲ 0.33% above national avg
▼
Rate3.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.33% above avg
Details
State Bank of Scotia
Institution Rating:
B+4.8 ★Texas Ratio: 17.28%
104 S Main St, Scotia, NE 68875
18 Month CD
$0
3.14%
▲ 0.32% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.32% above avg
Details
State Bank of Scotia
Institution Rating:
B+4.8 ★Texas Ratio: 17.28%
104 S Main St, Scotia, NE 68875
18 Month CD
$0
3.09%
▲ 0.27% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.27% above avg
Details
TFB Tecumseh Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
160 N 4th St, Tecumseh, NE 68450
18 Month Certificate
$0
3.03%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.21% above avg
Details
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 S Galway St, Greeley, NE 68842
18 Month CD
$0
3.03%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.21% above avg
Details
Balance: $100,000.00 and up
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
301 Center Ave, Curtis, NE 69025
18 Month Certificate
$250
3.03%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.21% above avg
Details
State Bank of Scotia
Institution Rating:
B+4.8 ★Texas Ratio: 17.28%
104 S Main St, Scotia, NE 68875
18 Month CD
$1,000
3.03%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.21% above avg
Details
Platte Valley Bank North Bend, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
606 Main St, North Bend, NE 68649
18 Month Certificate
$500
3.00%
▲ 0.18% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.18% above avg
Details
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
945 S D St, Broken Bow, NE 68822
18 Month CD
$500
3.00%
▲ 0.18% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.18% above avg
Details
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
945 S D St, Broken Bow, NE 68822
CD - 18 Months
$500
3.00%
▲ 0.18% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.18% above avg
Details
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
945 S D St, Broken Bow, NE 68822
Term - 18 Months
$500
3.00%
▲ 0.18% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.18% above avg
Details
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
945 S D St, Broken Bow, NE 68822
Time Certificates of Deposit - 18 Months
$500
3.00%
▲ 0.18% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.18% above avg
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3001 S 82ND AVE, OMAHA, NE 68124
18 Month Share Certificate
$0
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.18% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
13220 FORT ST, OMAHA, NE 68164
18 Month Certificate
$0
2.90%
▲ 0.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.08% above avg
Details
Centris Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
3575 L St, Omaha, NE 68107
18 Month Jumbo Certificates
$0
2.85%
▲ 0.03% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.03% above avg
Details
TFB Tecumseh Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
160 N 4th St, Tecumseh, NE 68450
18 Month Certificate
$0
2.78%
▼ 0.04% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 0.04% below avg
Details
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 S Galway St, Greeley, NE 68842
18 Month CD
$0
2.78%
▼ 0.04% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 0.04% below avg
Details
Balance: $25,000.00-99,999.99
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
100 S 3rd St, Humphrey, NE 68642
18 Month Certificate
$0
2.75%
▼ 0.07% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 0.07% below avg
Details
Centris Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
3575 L St, Omaha, NE 68107
18 Month Regular & IRA Certificates
$500
2.75%
▼ 0.07% below national avg
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▼ 0.07% below avg
Details
Nebraska 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
15750 W Dodge Rd, Omaha, NE 68118
24 Month CD
$500
4.45%
▲ 1.61% above national avg
▼
Rate4.38%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.61% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
501 Main St, Milligan, NE 68406
24 Month Certificate of Deposit
$0
4.27%
▲ 1.43% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.43% above avg
Details
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
24 Month CD
$0
4.21%
▲ 1.37% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.37% above avg
Details
Balance: $75,000.00 and up
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
24 Month CD
$0
4.16%
▲ 1.32% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.32% above avg
Details
Balance: $50,000.00 - $74,999.99
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
24 Month CD
$0
4.01%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.17% above avg
Details
Balance: $25,000.00 - $49,999.99
Central National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
411 N National Ave, Superior, NE 68978
24 Month CD Special
$5,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
649 Main St, Adams, NE 68301
24 Month Certificate of Deposit
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.16% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
514 G Street, Pawnee City, NE 68420
24 Month Certificate of Deposit
$1,000
3.95%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details
Archer Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
2121 Archer Rd, Archer, NE 68816
24 Month Share & IRA Certificates
$500
3.95%
▲ 1.11% above national avg
▼
Rate3.89%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details
First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
102 Spruce St, Colon, NE 68018
24 Month CD
$500
3.86%
▲ 1.02% above national avg
▼
Rate3.81%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.02% above avg
Details
Bruning Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
104 E Main St, Bruning, NE 68322
Certificates of Deposit - 24 Months
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.01% above avg
Details
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
14509 F St, Omaha, NE 68137 1054
24 Month Certificate
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.01% above avg
Details
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
101 N Thayer St, Spencer, NE 68777
24 Month Certificates of Deposit (CDs)
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
101 N Thayer St, Spencer, NE 68777
24-Month term cd
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
Cattle Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
104 S 5th St, Seward, NE 68434
24 Month Certificate Special
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
Special
Jones Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
203 S 6th St, Seward, NE 68434
24 Month Variable Rate IRA Certificate of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.91% above avg
Details
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
24 Month CD
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $2,500.00 - $24,999.99
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
24 Month Certificate of Deposit (CD)
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.81% above avg
Details
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
24 Mo CD
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.81% above avg
Details
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
24 Mo IRA
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.81% above avg
Details
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
24 Month Certificate of Deposit (CD)
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.71% above avg
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
3000 Plaza Dr, South Sioux City, NE 68776
24 Month Certificate
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
8400 Maddox Dr, Lincoln, NE 68520
24 Month CD
$5,000
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Special Annual Percentage Yield (APY) effective as of 06/22/26. Minimum to open is $5,000. Minimum to open waived for existing checking and savings account customers. Penalty for early withdrawal. Consumer accounts only. Rates are subject to change without notice.
Nebraska Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
1414 15th St, Columbus, NE 68601
2 Year Share Certificate
$5,000
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Jones Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
203 S 6th St, Seward, NE 68434
24 Month - Special Certificate of Deposit
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.61% above avg
Details
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
24 Month Certificate of Deposit (CD)
$0
3.44%
▲ 0.60% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.60% above avg
Details
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
104 E Nebraska Ave, Cody, NE 69211
24 Month Certificate of Deposit
$0
3.34%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.50% above avg
Details
North Platte Union Pacific Employee Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
420 Rodeo Rd, North Platte, NE 69101 2240
24 Month Special Share Certificate
$0
3.34%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.50% above avg
Details
FNB of Gordon
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
134 N Main St, Gordon, NE 69343
24 Month Certificate of Deposit
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.46% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
24 Month Business Term Share Certificate
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.46% above avg
Details
Balance: $100,000.00 and greater; Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
24 Month Certificate and IRA
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.46% above avg
Details
Balance: $100,000.00 & greater; Period: Quarterly
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
104 E Nebraska Ave, Cody, NE 69211
24 Month Flex CD Account
$0
3.29%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.45% above avg
Details
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
16802 Burke St, Omaha, NE 68118
24 Month Certificate
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.45% above avg
Details
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
16802 Burke St, Omaha, NE 68118
IRA Certificates of Deposit - 24 Month
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.45% above avg
Details
Lincoln Public School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
5621 N St, Lincoln, NE 68510
24 Month Share Certificates (CD)
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.45% above avg
Details
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1301 W 3RD ST, Alliance, NE 69301
24 Month Certificate
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.45% above avg
Details
Compounding: Quarterly
Electrical Workers No 22 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
8960 L St Ste 102, Omaha, NE 68127 1414
24 Months Term "Q"
$0
3.28%
▲ 0.44% above national avg
▼
Rate3.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.44% above avg
Details
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
306 S High St, Cairo, NE 68824
24 Month CD
$1,000
3.25%
▲ 0.41% above national avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.41% above avg
Details
Great Plains State Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.53%
140 Main St, Petersburg, NE 68652
24 Month CD
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.41% above avg
Details
Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
1700 FARNAM ST STE 1000, OMAHA, NE 68102
2 Year Share Certificate
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.41% above avg
Details
Balance: $1,000 Minimum Balance; Balance: $1,000 Minimum Balance
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
901 W 29th St, Scottsbluff, NE 69361
24 Month Business Certificates
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.41% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
901 W 29th St, Scottsbluff, NE 69361
24 Month Share Certificate
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.41% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
13220 FORT ST, OMAHA, NE 68164
2 Year Certificate
$0
3.20%
▲ 0.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2501 13th St, Columbus, NE 68601
24 Month CD or IRA
$0
3.20%
▲ 0.36% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.36% above avg
Details
Balance: $500 - $19,999.99
First Lincoln Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.23%
5730 R ST STE A, Lincoln, NE 68505 2309
24 Month IRA Share Certificate
$0
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.36% above avg
Details
First Lincoln Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.23%
5730 R ST STE A, Lincoln, NE 68505 2309
24 Month Share Certificates
$0
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.36% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
24 Month Baby Bundle Certificates
$50
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.36% above avg
Details
Period: Monthly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
24 Month Business Term Share Certificate
$0
3.20%
▲ 0.36% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.36% above avg
Details
Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
24 Month Certificate and IRA
$0
3.20%
▲ 0.36% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.36% above avg
Details
Balance: $1,000.00-99,999.99; Period: Quarterly
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
301 Main St, Bancroft, NE 68004
24 Month Certificates of Deposit
$0
3.19%
▲ 0.35% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.35% above avg
Details
Balance: $10,000+
Nebraska 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
15750 W Dodge Rd, Omaha, NE 68118
36 Month CD
$500
4.45%
▲ 1.69% above national avg
▼
Rate4.38%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.69% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
501 Main St, Milligan, NE 68406
36 Month Certificate of Deposit
$0
4.37%
▲ 1.61% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.61% above avg
Details
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
101 N Thayer St, Spencer, NE 68777
36 Month Certificates of Deposit (CDs)
$500
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.04% above avg
Details
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
14509 F St, Omaha, NE 68137 1054
36 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details
Trius Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.38%
2915 2nd Ave, Kearney, NE 68847
36 Month Share Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
36 Mo CD
$1,000
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.79% above avg
Details
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
36 Mo IRA
$1,000
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.79% above avg
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
3000 Plaza Dr, South Sioux City, NE 68776
36 Month Certificate
$1,000
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
One Bump - Up per Term
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
16802 Burke St, Omaha, NE 68118
36 Month Certificate
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.79% above avg
Details
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
16802 Burke St, Omaha, NE 68118
IRA Certificates of Deposit - 36 Month
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.79% above avg
Details
North Platte Union Pacific Employee Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
420 Rodeo Rd, North Platte, NE 69101 2240
36 Month Share Certificate
$0
3.54%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.78% above avg
Details
Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
8400 Maddox Dr, Lincoln, NE 68520
36 Month CD
$5,000
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.74% above avg
Details
Special Annual Percentage Yield (APY) effective as of 06/22/26. Minimum to open is $5,000. Minimum to open waived for existing checking and savings account customers. Penalty for early withdrawal. Consumer accounts only. Rates are subject to change without notice.
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
100 S 3rd St, Humphrey, NE 68642
36 Month Certificate
$0
3.44%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.68% above avg
Details
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
649 Main St, Adams, NE 68301
36 Month Certificate of Deposit
$1,000
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.54% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
901 W 29th St, Scottsbluff, NE 69361
36 Month Business Certificates
$500
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
901 W 29th St, Scottsbluff, NE 69361
36 Month Share Certificate
$500
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
306 S High St, Cairo, NE 68824
3 Year CD
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.49% above avg
Details
Commercial State Bank Wausa, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
519 E Broadway St, Wausa, NE 68786
36 Month Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.49% above avg
Details
Great Plains State Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.53%
140 Main St, Petersburg, NE 68652
36 Month CD
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.49% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
13220 FORT ST, OMAHA, NE 68164
3 Year Certificate
$0
3.20%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.44% above avg
Details
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2501 13th St, Columbus, NE 68601
36 Month CD or IRA
$0
3.20%
▲ 0.44% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.44% above avg
Details
Balance: $500 - $19,999.99
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2501 13th St, Columbus, NE 68601
36 Month Youth Saver CD
$0
3.16%
▲ 0.40% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.40% above avg
Details
Balance: $100 - $19,999.99
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
341 S 10th Ave, Broken Bow, NE 68822
36 Month STEP-UP CD
$500
3.15%
▲ 0.39% above national avg
▼
Rate3.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.39% above avg
Details
STEP-UP
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
13220 FORT ST, OMAHA, NE 68164
3 Year IRA Certificates
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.34% above avg
Details
Term: 3 Year IRA Certificate; $1,000 minimum balance to open
Platte Valley Bank North Bend, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
606 Main St, North Bend, NE 68649
36 Month Certificate
$500
3.05%
▲ 0.29% above national avg
▼
Rate3.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.29% above avg
Details
First Lincoln Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.23%
5730 R ST STE A, Lincoln, NE 68505 2309
36 Month IRA Share Certificate
$0
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.28% above avg
Details
First Lincoln Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.23%
5730 R ST STE A, Lincoln, NE 68505 2309
36 Month Share Certificates
$0
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.28% above avg
Details
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
104 E Nebraska Ave, Cody, NE 69211
36 Month Certificate of Deposit
$0
3.03%
▲ 0.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.27% above avg
Details
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
301 Main St, Bancroft, NE 68004
36 Month Certificates of Deposit
$0
3.03%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.27% above avg
Details
Balance: $10,000+
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
301 Center Ave, Curtis, NE 69025
36 Month Certificate
$250
3.03%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.27% above avg
Details
United Republic Bank
Institution Rating:
F1.7 ★Texas Ratio: 54.29%
111 N 181st St, Elkhorn, NE 68022
36 Month Certificate
$1,000
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.24% above avg
Details
United Republic Bank
Institution Rating:
F1.7 ★Texas Ratio: 54.29%
111 N 181st St, Elkhorn, NE 68022
Business Regular Time Certificates - 36-month
$1,000
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.24% above avg
Details
Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
1700 FARNAM ST STE 1000, OMAHA, NE 68102
3 Year Share Certificate
$0
3.00%
▲ 0.24% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.24% above avg
Details
Balance: $1,000 Minimum Balance; Balance: $1,000 Minimum Balance
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
36 Month Bump Up Share and Bump Up IRA Certificate
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.24% above avg
Details
Balance: $100,000.00 & greater; Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
36 Month Business Term Share Certificate
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.24% above avg
Details
Balance: $100,000.00 and greater; Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
36 Month Certificate and IRA
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.24% above avg
Details
Balance: $100,000.00 & greater; Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
36 Month Bump Up Share and Bump Up IRA Certificate
$0
2.90%
▲ 0.14% above national avg
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.14% above avg
Details
Balance: $1,000.00-99,999.99; Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
36 Month Business Term Share Certificate
$0
2.90%
▲ 0.14% above national avg
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.14% above avg
Details
Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
36 Month Certificate and IRA
$0
2.90%
▲ 0.14% above national avg
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.14% above avg
Details
Balance: $1,000.00-99,999.99; Period: Quarterly
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
36 Month Certificate of Deposit (CD)
$0
2.88%
▲ 0.12% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.12% above avg
Details
Centris Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
3575 L St, Omaha, NE 68107
36 Month Jumbo Certificates
$0
2.85%
▲ 0.09% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.09% above avg
Details
The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3001 L St, Omaha, NE 68107 1409
Share Certificate (CD's) - 36 Month
$500
2.85%
▲ 0.09% above national avg
▼
Rate2.82%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.09% above avg
Details
Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply.
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
36 Month Certificate of Deposit (CD)
$0
2.78%
▲ 0.02% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.02% above avg
Details
Centris Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
3575 L St, Omaha, NE 68107
36 Month Regular & IRA Certificates
$500
2.75%
▼ 0.01% below national avg
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.01% below avg
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.92%
2472 39th Ave, Columbus, NE 68601 2255
36 Month Share Certificate
$500
2.75%
▼ 0.01% below national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.01% below avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
36 Month Certificate of Deposit (CD)
$0
2.68%
▼ 0.08% below national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.08% below avg
Details
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
945 S D St, Broken Bow, NE 68822
3 Year CD
$500
2.65%
▼ 0.11% below national avg
▼
Rate2.62%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.11% below avg
Details
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
945 S D St, Broken Bow, NE 68822
Term - 3 Years
$500
2.65%
▼ 0.11% below national avg
▼
Rate2.62%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.11% below avg
Details
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
945 S D St, Broken Bow, NE 68822
Time Certificates of Deposit - 3 Years
$500
2.65%
▼ 0.11% below national avg
▼
Rate2.62%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.11% below avg
Details
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
502 Willard Ave, Genoa, NE 68640
36 Month Certificate of Deposit
$0
2.55%
▼ 0.21% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.21% below avg
Details
Nebraska 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
15750 W Dodge Rd, Omaha, NE 68118
48 Month CD
$500
4.55%
▲ 1.78% above national avg
▼
Rate4.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.78% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
501 Main St, Milligan, NE 68406
48 Month Certificate of Deposit
$0
4.37%
▲ 1.60% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.60% above avg
Details
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
48 Month CD
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.48% above avg
Details
Balance: $75,000.00 and up
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
48 Month CD
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.43% above avg
Details
Balance: $50,000.00 - $74,999.99
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
48 Month CD
$0
4.05%
▲ 1.28% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.28% above avg
Details
Balance: $25,000.00 - $49,999.99
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
101 N Thayer St, Spencer, NE 68777
48 Month Certificates of Deposit (CDs)
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
North Platte Union Pacific Employee Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
420 Rodeo Rd, North Platte, NE 69101 2240
48 Month Share Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
48 Month CD
$0
3.79%
▲ 1.02% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.02% above avg
Details
Balance: $2,500.00 - $24,999.99
Archer Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
2121 Archer Rd, Archer, NE 68816
48 Month Share & IRA Certificates
$500
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
3000 Plaza Dr, South Sioux City, NE 68776
48 Month Certificate
$1,000
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
8400 Maddox Dr, Lincoln, NE 68520
48 Month CD
$5,000
3.50%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
Special Annual Percentage Yield (APY) effective as of 06/22/26. Minimum to open is $5,000. Minimum to open waived for existing checking and savings account customers. Penalty for early withdrawal. Consumer accounts only. Rates are subject to change without notice.
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
14509 F St, Omaha, NE 68137 1054
48 Month Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2501 13th St, Columbus, NE 68601
48 Month CD or IRA
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.63% above avg
Details
Balance: $500 - $19,999.99
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
100 S 3rd St, Humphrey, NE 68642
48 Month Certificate
$0
3.39%
▲ 0.62% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.62% above avg
Details
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2501 13th St, Columbus, NE 68601
48 Month Youth Saver CD
$0
3.36%
▲ 0.59% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.59% above avg
Details
Balance: $100 - $19,999.99
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
306 S High St, Cairo, NE 68824
4 Year CD
$1,000
3.35%
▲ 0.58% above national avg
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.58% above avg
Details
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
48 Mo CD
$1,000
3.35%
▲ 0.58% above national avg
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
48 Mo IRA
$1,000
3.35%
▲ 0.58% above national avg
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
901 W 29th St, Scottsbluff, NE 69361
48 Month Business Certificates
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
901 W 29th St, Scottsbluff, NE 69361
48 Month Share Certificate
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
649 Main St, Adams, NE 68301
48 Month Certificate of Deposit
$1,000
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.53% above avg
Details
Great Plains State Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.53%
140 Main St, Petersburg, NE 68652
48 Month CD
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.53% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
13220 FORT ST, OMAHA, NE 68164
4 Year Certificate
$0
3.20%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.43% above avg
Details
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
341 S 10th Ave, Broken Bow, NE 68822
48 Month CD
$500
3.15%
▲ 0.38% above national avg
▼
Rate3.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.38% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
13220 FORT ST, OMAHA, NE 68164
4 Year IRA Certificates
$0
3.10%
▲ 0.33% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.33% above avg
Details
Term: 4 Year IRA Certificate; $1,000 minimum balance to open
Platte Valley Bank North Bend, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
606 Main St, North Bend, NE 68649
48 Month Certificate
$500
3.05%
▲ 0.28% above national avg
▼
Rate3.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.28% above avg
Details
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
301 Main St, Bancroft, NE 68004
48 Month Certificates of Deposit
$0
3.03%
▲ 0.26% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.26% above avg
Details
Balance: $10,000+
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
301 Center Ave, Curtis, NE 69025
48 Month Certificate
$250
3.03%
▲ 0.26% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.26% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
48 Month Business Term Share Certificate
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.23% above avg
Details
Balance: $100,000.00 and greater; Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
48 Month Certificate and IRA
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.23% above avg
Details
Balance: $100,000.00 & greater; Period: Quarterly
Commercial State Bank Wausa, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
519 E Broadway St, Wausa, NE 68786
48 Month Certificate
$0
2.99%
▲ 0.22% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.22% above avg
Details
The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3001 L St, Omaha, NE 68107 1409
Share Certificate (CD's) - 48 Month
$500
2.95%
▲ 0.18% above national avg
▼
Rate2.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.18% above avg
Details
Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply.
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.92%
2472 39th Ave, Columbus, NE 68601 2255
48 Month Share Certificate
$500
2.90%
▲ 0.13% above national avg
▼
Rate2.87%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.13% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
48 Month Business Term Share Certificate
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.13% above avg
Details
Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
48 Month Certificate and IRA
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.13% above avg
Details
Balance: $1,000.00-99,999.99; Period: Quarterly
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 S Galway St, Greeley, NE 68842
48 Month CD
$0
2.88%
▲ 0.11% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.11% above avg
Details
Balance: $100,000.00 and up
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
48 Month Certificate of Deposit (CD)
$0
2.88%
▲ 0.11% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.11% above avg
Details
Centris Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
3575 L St, Omaha, NE 68107
48 Month Jumbo Certificates
$0
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.08% above avg
Details
The Bank of Steinauer
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 Main St, Steinauer, NE 68441
48 Month Certificate of Deposit
$500
2.78%
▲ 0.01% above national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.01% above avg
Details
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 S Galway St, Greeley, NE 68842
48 Month CD
$0
2.78%
▲ 0.01% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.01% above avg
Details
Balance: $25,000.00-99,999.99
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
48 Month Certificate of Deposit (CD)
$0
2.78%
▲ 0.01% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.01% above avg
Details
Centris Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
3575 L St, Omaha, NE 68107
48 Month Regular & IRA Certificates
$500
2.75%
▼ 0.02% below national avg
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.02% below avg
Details
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
48 Month Certificate of Deposit (CD)
$0
2.73%
▼ 0.04% below national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.04% below avg
Details
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
502 Willard Ave, Genoa, NE 68640
48 Month Certificate of Deposit
$0
2.61%
▼ 0.16% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.16% below avg
Details
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
945 S D St, Broken Bow, NE 68822
4 Year CD
$500
2.55%
▼ 0.22% below national avg
▼
Rate2.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.22% below avg
Details
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
945 S D St, Broken Bow, NE 68822
Term - 4 Years
$500
2.55%
▼ 0.22% below national avg
▼
Rate2.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.22% below avg
Details
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
945 S D St, Broken Bow, NE 68822
Time Certificates of Deposit - 4 Years
$500
2.55%
▼ 0.22% below national avg
▼
Rate2.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.22% below avg
Details
Cornerstone Bank York, NE
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
295 Center Ave, Ashton, NE 68817
48 Month Certificate
$0
2.52%
▼ 0.25% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.25% below avg
Details
TFB Tecumseh Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
160 N 4th St, Tecumseh, NE 68450
48 Month Certificate
$0
2.52%
▼ 0.25% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.25% below avg
Details
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 S Galway St, Greeley, NE 68842
48 Month CD
$0
2.52%
▼ 0.25% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.25% below avg
Details
Balance: $500.00-24,999.99
Nebraska 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
15750 W Dodge Rd, Omaha, NE 68118
60 Month CD
$500
4.55%
▲ 1.71% above national avg
▼
Rate4.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.71% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
501 Main St, Milligan, NE 68406
60 Month Certificate of Deposit
$0
4.37%
▲ 1.53% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.53% above avg
Details
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
101 N Thayer St, Spencer, NE 68777
60 Month Certificates of Deposit (CDs)
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
North Platte Union Pacific Employee Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
420 Rodeo Rd, North Platte, NE 69101 2240
60 Month Special Share Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Archer Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
2121 Archer Rd, Archer, NE 68816
60 Month Share & IRA Certificates
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
3000 Plaza Dr, South Sioux City, NE 68776
60 Month Certificate
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Access Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
7223 S 84th St, La Vista, NE 68128
60 Month Business Certificate of Deposit
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Interest Paid: Quarterly and at Maturity
Access Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
7223 S 84th St, La Vista, NE 68128
60 Month Open a Certificate of Deposit
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Interest Paid: Quarterly and at Maturity
Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
8400 Maddox Dr, Lincoln, NE 68520
60 Month CD
$5,000
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Special Annual Percentage Yield (APY) effective as of 06/22/26. Minimum to open is $5,000. Minimum to open waived for existing checking and savings account customers. Penalty for early withdrawal. Consumer accounts only. Rates are subject to change without notice.
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
14509 F St, Omaha, NE 68137 1054
60 Month Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2501 13th St, Columbus, NE 68601
60 Month CD or IRA
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.65% above avg
Details
Balance: $500 - $19,999.99
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2501 13th St, Columbus, NE 68601
60 Month Youth Saver CD
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.61% above avg
Details
Balance: $100 - $19,999.99
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
306 S High St, Cairo, NE 68824
5 Year CD
$1,000
3.40%
▲ 0.56% above national avg
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.56% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
901 W 29th St, Scottsbluff, NE 69361
60 Month Business Certificates
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.56% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
901 W 29th St, Scottsbluff, NE 69361
60 Month Share Certificate
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.56% above avg
Details
Great Plains State Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.53%
140 Main St, Petersburg, NE 68652
60 Month CD
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.51% above avg
Details
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
100 S 3rd St, Humphrey, NE 68642
60 Month Certificate
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.45% above avg
Details
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
60 Mo CD
$1,000
3.25%
▲ 0.41% above national avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.41% above avg
Details
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
201 E 5th St, Wahoo, NE 68066
60 Mo IRA
$1,000
3.25%
▲ 0.41% above national avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.41% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
13220 FORT ST, OMAHA, NE 68164
5 Year Certificate
$0
3.20%
▲ 0.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
Platte Valley Bank North Bend, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
606 Main St, North Bend, NE 68649
60 Month Certificate
$500
3.15%
▲ 0.31% above national avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.31% above avg
Details
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
341 S 10th Ave, Broken Bow, NE 68822
60 Month STEP-UP CD
$500
3.15%
▲ 0.31% above national avg
▼
Rate3.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.31% above avg
Details
STEP-UP
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
13220 FORT ST, OMAHA, NE 68164
5 Year IRA Certificates
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.26% above avg
Details
Term: 5 Year IRA Certificate; $1,000 minimum balance to open
Madison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
103 S 4th St, Albion, NE 68620
60 Month Certificate
$500
3.10%
▲ 0.26% above national avg
▼
Rate3.08%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.26% above avg
Details
Madison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
103 S 4th St, Albion, NE 68620
Certificates of Deposit - 60 Month
$500
3.10%
▲ 0.26% above national avg
▼
Rate3.08%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.26% above avg
Details
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
16802 Burke St, Omaha, NE 68118
60 Month Certificate
$0
3.03%
▲ 0.19% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.19% above avg
Details
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
16802 Burke St, Omaha, NE 68118
IRA Certificates of Deposit - 60 Month
$0
3.03%
▲ 0.19% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.19% above avg
Details
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
104 E Nebraska Ave, Cody, NE 69211
60 Month Certificate of Deposit
$0
3.03%
▲ 0.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.19% above avg
Details
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
301 Main St, Bancroft, NE 68004
60 Month Certificates of Deposit
$0
3.03%
▲ 0.19% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.19% above avg
Details
Balance: $10,000+
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
301 Center Ave, Curtis, NE 69025
60 Month Certificate
$250
3.03%
▲ 0.19% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.19% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
60 Month Business Term Share Certificate
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.16% above avg
Details
Balance: $100,000.00 and greater; Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
60 Month Certificate and IRA
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.16% above avg
Details
Balance: $100,000.00 & greater; Period: Quarterly
The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3001 L St, Omaha, NE 68107 1409
Share Certificate (CD's) - 60 Month
$500
3.00%
▲ 0.16% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.16% above avg
Details
Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply.
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
60 Month Business Term Share Certificate
$0
2.90%
▲ 0.06% above national avg
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.06% above avg
Details
Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15325 Weir St, Omaha, NE 68137 5061
60 Month Certificate and IRA
$0
2.90%
▲ 0.06% above national avg
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.06% above avg
Details
Balance: $1,000.00-99,999.99; Period: Quarterly
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
60 Month Certificate of Deposit (CD)
$0
2.88%
▲ 0.04% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.04% above avg
Details
Centris Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
3575 L St, Omaha, NE 68107
60 Month Jumbo Certificates
$0
2.85%
▲ 0.01% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.01% above avg
Details
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
60 Month Certificate of Deposit (CD)
$0
2.78%
▼ 0.06% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.06% below avg
Details
Centris Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
3575 L St, Omaha, NE 68107
60 Month Regular & IRA Certificates
$500
2.75%
▼ 0.09% below national avg
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.09% below avg
Details
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
60 Month Certificate of Deposit (CD)
$0
2.73%
▼ 0.11% below national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.11% below avg
Details
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
502 Willard Ave, Genoa, NE 68640
60 Month Certificate of Deposit
$0
2.66%
▼ 0.18% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.18% below avg
Details
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
502 Willard Ave, Genoa, NE 68640
60 Month CD
$0
2.65%
▼ 0.19% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.19% below avg
Details
First Bank and Trust of Fullerton
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
230 Broadway St, Fullerton, NE 68638
60-Month Certificate of Deposit
$500
2.51%
▼ 0.33% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.33% below avg
Details
First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
102 Spruce St, Colon, NE 68018
60 Month CD
$500
2.50%
▼ 0.34% below national avg
▼
Rate2.48%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.34% below avg
Details
Cattle Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
104 S 5th St, Seward, NE 68434
60 Month Certificate
$0
2.50%
▼ 0.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.34% below avg
Details
SN Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
122 Main St, Wayne, NE 68787
5 Year Certificate
$0
2.50%
▼ 0.34% below national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.34% below avg
Details
Balance: $1,000 - $24,999.99
SN Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
122 Main St, Wayne, NE 68787
5 Year IRA Certificate
$0
2.50%
▼ 0.34% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.34% below avg
Details
APY**: 2.50%
Town & Country Bank Ravenna, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
423 Grand Ave, Ravenna, NE 68869
5 Year CD
$0
2.50%
▼ 0.34% below national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.34% below avg
Details
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
15750 W Dodge Rd, Omaha, NE 68118
IRA 60 Month CD
$500
2.50%
▼ 0.34% below national avg
▼
Rate2.48%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.34% below avg
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3001 S 82ND AVE, OMAHA, NE 68124
60 Month Share Certificate
$0
2.50%
▼ 0.34% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.34% below avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Nebraska CD Rate Trends
Compare local Nebraska CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD NE Avg
2.952%
▲ 0.030 vs 7 days ago
Nebraska 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD NE Avg
2.767%
▲ 0.021 vs 7 days ago
Nebraska 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
NE CD Rate Forecast, Next 12 Months
Where are Nebraska CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NE 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
Powered by
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What Your Savings Earn at NE CD Rates Today
Annual interest earnings at today’s Nebraska average APYs. State average used where available; national average as fallback.
| CD Term | NE Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
Sample CD Ladder for Nebraska Savers
$25,000 split equally across 5 terms using today’s Nebraska average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NE Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/yr | |
Ladder example uses equal $5,000 rungs and Nebraska average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
757
CD Rates
Tracked in Nebraska
Tracked in Nebraska
63 Banks
27 Credit Unions
About Our Nebraska CD Rate Database
MonitorBankRates tracks 757 CD rates from 63 banks and 27 credit unions with locations in Nebraska, plus national online institutions available to Nebraska residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: West Gate Bank offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Nebraska.
How to Find the Best CD Rates in Nebraska
What to compare when shopping for a CD in Nebraska
To find the best APYs in Nebraska, start with credit unions and online-only banks: Nebraska has 27 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Nebraska
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Nebraska: 90 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Nebraska savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Nebraska money market rates
Nebraska Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
16.7%
National avg: 17.3%
Median Individual Earnings
$44,279
National avg: $47,340
Poverty Rate
10.6%
National avg: 11.1%
Unemployment Rate
3.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$131/yr
At NE 12-mo avg 2.952% APY
16.7% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.0% reflects a strong local economy. At today’s NE 12-month CD average of 2.952%, saving 10% of the local median salary ($4,427/year) and putting it in a CD would earn an additional $131 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Nebraska
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Nebraska
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Nebraska typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Nebraska as everywhere in the U.S.
Choosing a CD Term in Nebraska
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Nebraska savers easier access to their funds. For example, Western Nebraska Bank is offering its 6 Month Certificate at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, First Westroads Bank is offering its 60 Month CD at 4.55% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Nebraska Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Nebraska saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Nebraska
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Nebraska CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Nebraska
Most CDs carry a fixed rate that is locked for the entire term, protecting a Nebraska depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Nebraska
Are CD rates in Nebraska FDIC insured?
Yes, most established banks in Nebraska are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Nebraska?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Nebraska.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Nebraska may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Nebraska?
Here are recent top rates found for this area:
- West Gate Bank: 5.00% APY (12 Month CD)
- Archer Cooperative Credit Union: 5.00% APY (12 Month One Year Student Share Certificates)
- First Westroads Bank: 4.55% APY (48 Month CD)
- Farmers and Merchants Bank Milligan, NE: 4.37% APY (36 Month Certificate of Deposit)
- Thayer County Bank: 4.25% APY (48 Month CD)
- Western Nebraska Bank: 4.22% APY (12 Month Certificate)
- Town & Country Bank Ravenna, NE: 4.10% APY (18 Month Opportunity CD Special)
- Access Bank: 4.05% APY (12 Month Certificate Special)
- Cobalt Federal Credit Union: 4.05% APY (6 Month Business Term Share Certificate)
- FNB of Gordon: 4.03% APY (12 Month Certificate of Deposit)
Rates reflect recent verified offers available in Nebraska. Last Updated: September 21, 2026
Nebraska CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Nebraska rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
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Ending Balance
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Matures
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Nebraska
Nebraska CD Calculator
At today’s NE top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Nebraska CD LadderNE CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Nebraska CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNebraska’s average 12-month CD is 2.952% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Nebraska CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Nebraska directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Nebraska. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NE.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 21, 2026
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