Nebraska Money Market Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Nebraska money market account rates range from 1.51% to 6.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Nebraska money market deposit account rates include Meridian Trust Federal Credit UnionMeridian Trust Federal Credit Union901 W 29th St, Scottsbluff, NE 69361A+5.0 ★Texas Ratio: 4.45%Real return: +3.20%APY minus 2.8% CPI (February 2026) Momentum Money Market at 6.00% APY, Brilliant BankBrilliant Bank222 Main St, Pender, NE 68047A5.0 ★Texas Ratio: 6.60%Real return: +1.20%APY minus 2.8% CPI (February 2026) Surge Money Market at 4.00% APY, Cornhusker BankCornhusker Bank8310 O St, Lincoln, NE 68510A+5.0 ★Texas Ratio: 0.16%Real return: +1.07%APY minus 2.8% CPI (February 2026) Business Platinum Money Market at 3.87% APY, First Bank and Trust of FullertonFirst Bank and Trust of Fullerton230 Broadway St, Fullerton, NE 68638A+5.0 ★Texas Ratio: 0.01%Real return: +0.76%APY minus 2.8% CPI (February 2026) 1Heritage Club Money Market (HIFI) at 3.56% APY, and FNBO DirectFNBO Direct124 W 3rd St, Alliance, NE 69301A+5.0 ★Texas Ratio: 4.82%Real return: +0.75%APY minus 2.8% CPI (February 2026) Online Money Market Account at 3.55% APY. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Nebraska side-by-side. Nebraska money market rates currently reach as high as 6.00% APY from Meridian Trust Federal Credit Union at 901 W 29th St, Scottsbluff, NE 69361. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Nebraska and surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Money Market Rates Today in Nebraska
Balance: $0.00 - $2,000.00
Brilliant Bank's Surge Money Market is a variable rate money market with initial Annual Percentage Yield available for new depositors only. APY accurate as of website publication and subject to change. Fees may reduce earnings. Rates and Annual Percentage Yields displayed are unavailable in Nebraska, Kansas, Missouri, Oklahoma and Arkansas.
Published APY range: 3.90-5.99%. Balance: $2,000.01 - $5,000.00
Balance: $1,000,000.00+
- Oct 10, 20263.87%▲ from 3.66%
- Sep 30, 20263.66%first recorded
Balance: $1,000,000.00+
- Oct 10, 20263.87%▲ from 3.66%
- Sep 30, 20263.66%first recorded
Balance: $500,000.00 - $999,999.99
- Oct 10, 20263.61%▲ from 3.40%
- Sep 30, 20263.40%first recorded
Balance: $500,000.00 - $999,999.99
- Oct 10, 20263.61%▲ from 3.40%
- Sep 30, 20263.40%first recorded
Balance: $250,000.00 and up
Balance: $250,000.00 and up
Balance: $500,000 -$999,999.99
Balance: $250,000.00 and above; Average Daily Balance
Balance: $250,000.00 and above
Balance: $50,000 or more
Fees could reduce earnings.
Balance: $100,000 - $499,999.99
Balance: $25,000 - $49,999.99
Balance: $50,000.00 - $99,999.99; Fees could reduce earnings.
- Oct 3, 20263.40%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Balance: $100,000.00 - $499,999.99
- Oct 10, 20263.36%▲ from 3.15%
- Sep 30, 20263.15%first recorded
Balance: $100,000.00 - $499,999.99
- Oct 10, 20263.36%▲ from 3.15%
- Sep 30, 20263.15%first recorded
Balance: $25,000 - $99,999.99
Balance: $1,000,000.00 - And Over
Balance: $100,000.00-249,999.99
Balance: $100,000.00-249,999.99
Published APY range: 3.25% - 3.55%. Annual Percentage Yield (APY) accurate as of 12-19-2025. Rates may also change after the account is opened. Fees may reduce earnings. You may make no more than six transfers and withdrawals from the account during any calendar month. Additional withdrawals will be subject to a $5.00 fee each.
Balance: $0 -$24,999.99
Balance: $1,000,000.00+
Balance: $20,000.00 & greater; Period: Monthly
Balance: $500,000.00 - $999,999.99
Balance: $4,000,000.01 and over
Balance: $3,000,000.01 - $4,000,000.00
Balance: $250,000.00 - $499,999.99
Balance: $5,000,000 & Over
Balance: $100,000.00 to $249,999.99; Average Daily Balance
Balance: $100,000.00 to $249,999.99
Balance: $20,000 or more; Rate tied to Wall Street Prime (Wall Street Prime - 3.203% on balances over $20,000)
Balance: $2,000,000.01 - $3,000,000.00
Balance: $1,000,000.01 - $2,000,000.00
Balance: $250,000 +
- Oct 11, 20262.88%▲ from 2.78%
- Sep 11, 20262.78%first recorded
Balance: $500,000+
Balance: $500,000.01 - $1,000,000.00
Balance: $1,000,000*** and over
Balance: $100,000.00 - $249,999.99
Balance: $500,000.00 & Over
- Sep 19, 20262.75%▲ from 2.20%
- Sep 11, 20262.20%first recorded
Balance: $500,000.00 - $999,999.99
Balance: $1,000,000 and up
Balance: $150,000 - $249,999.99
- Oct 11, 20262.63%▲ from 2.53%
- Sep 11, 20262.53%first recorded
Balance: $500,000*** - $999,999.99
Balance: $25,000.00-99,999.99
Balance: $25,000.00-99,999.99
Balance: $10,000.00 and up
- Sep 24, 20262.50%▲ from 2.45%
- Sep 9, 20262.45%first recorded
Balance: $2,500,000 - $4,999,999.99
Balance: $10,000 or more
Balance: $50,000.00 to $99,999.99; Average Daily Balance
Balance: $50,000.00 to $99,999.99
Balance: $75,000.00+
Balance: $50,000.00 and over
- Sep 17, 20262.35%▲ from 2.25%
- Sep 12, 20262.25%first recorded
Balance: $50,000.00 and over
- Sep 17, 20262.35%▲ from 2.25%
- Sep 12, 20262.25%first recorded
Balance: $1,000,000 and up
Balance: $500,000+
Balance: $500,000+
Balance: $250,000 to $499,999.99
Balance: $100,000.00 and up
Balance: $1,000,000.00 and Above
Balance: $250,000*** - $499,999.99
Balance: $100,000.00 & greater (aver. daily balance)
Balance: $250,000.00 - $499,999.99
Balance: $1,000,000 and over
Balance: $25,000.00 - $49,999.99
- Sep 17, 20262.10%▲ from 2.00%
- Sep 12, 20262.00%first recorded
Balance: $50,000.00 - $99,999.99 (aver. daily balance)
Balance: $100,000.00 - $249,999.99
Balance: $150,000+
$5,000.00; Balance: $200,000 and above
Balance: $500,000 - $999,999
Balance: $5,000 to less than $10,000
Balance: $10,000.00 - $24,999.99
- Sep 17, 20261.80%▲ from 1.75%
- Sep 12, 20261.75%first recorded
Balance: $500,000 or more
Balance: $250,000 - $499,999
$5,000.00; Balance: $100,000 - $199,999.99
Balance: $100,000 - $249,999
Balance: $150,000+; Maintenance Fee: $15; Minimum Balance to Avoid Service Charge: $1,500; Dividends Compounded & Credited: Monthly; Dividend Period: Monthly
- Oct 4, 20261.57%▲ from 0.50%
- Sep 18, 20260.50%▼ from 1.57%
- Sep 14, 20261.57%first recorded
Balance: $50,000 and over
Balance: $25,000.00 - $49,999.99 (aver. daily balance)
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Nebraska Money Market Rate Trends
Compare local Nebraska money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Nebraska high-yield MMA rates rose 0.022 points over the past 7 days to 3.073% APY.
Nebraska standard MMA rates rose 0.019 points over the past 7 days to 0.987% APY.
Nebraska Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current NE high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current NE high-yield money market average of 3.073% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Nebraska.
Money Market Account Earnings in Nebraska
Annual interest earnings at current NE average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.073% APY) | Monthly Earnings | Standard MMA (0.987% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $307.29 / year | $25.61 | $98.69 / year | $8.22 |
| $25,000 | $768.23 / year | $64.02 | $246.73 / year | $20.56 |
| $50,000 | $1,536.45 / year | $128.04 | $493.45 / year | $41.12 |
| $100,000 | $3,072.90 / year | $256.08 | $986.90 / year | $82.24 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Nebraska money market rate averages as of October 13, 2026. | ||||
About Our Nebraska Money Market Rate Database
MonitorBankRates tracks 47 money market rates from 37 banks and 10 credit unions offering money market deposit accounts to Nebraska residents, including community institutions, regional banks, and national online options. 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 to 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: Meridian Trust Federal Credit Union offers a money market account at 6.00% APY. Use the rate table above to compare all current offers in Nebraska.
How to Find the Best Money Market Rates in Nebraska
What to compare when shopping for a money market account in Nebraska
To find the best money market APYs in Nebraska, start with credit unions and online-only banks: Nebraska has 10 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current NE high-yield money market average is 3.073% but top local institutions are offering as high as 6.00%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Nebraska high-yield money market rates currently average 3.073% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Nebraska institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 47 institutions in Nebraska report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Nebraska CD rates
- You don’t need check writing and want a lower minimum Nebraska savings rates
- You need daily transaction access Nebraska checking rates
Nebraska Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
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 with solid savings capacity. At today’s NE high-yield money market average of 3.073%, saving 10% of the local median salary ($4,427/year) would earn an additional $136 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Nebraska Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Nebraska.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current NE Avg APY | 3.073% | View Savings Rates | 0.987%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Nebraska averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Nebraska Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Nebraska rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Nebraska
At NE’s top money market rate of 6.00% from Meridian Trust Federal Credit Union, a $10,000 deposit earns $600 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Nebraska earner is roughly $11,100. At 3.073% APY in a money market account, saving $920/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountNebraska’s high-yield money market average is 3.073% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Nebraska earner makes $44,279/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.073% APY.
Retirement PlannerA $25,000 money market balance earning 3.073% APY grows to roughly $45,796 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Nebraska money market 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 Money Market Rate Data: We aggregate money market deposit account 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. Every money market rate displayed 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 mid-sized regional banks to large national institutions available to savers in NE.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Nebraska
What is a Money Market Account (MMA)?
Are Money Market accounts in Nebraska safe?
How often do MMA rates change in Nebraska?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Nebraska?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Nebraska for money market accounts?
Best Money Market Rates in Nebraska
- Meridian Trust Federal Credit Union
Momentum Money Market: 6.00% APY - Brilliant Bank
Surge Money Market: 4.00% APY - Cornhusker Bank
Business Platinum Money Market: 3.87% APY - First Bank and Trust of Fullerton
1Heritage Club Money Market (HIFI): 3.56% APY - FNBO Direct
Online Money Market Account: 3.55% APY
Nebraska Rates & Resources
Cities in Nebraska
