Kearney, Nebraska Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Kearney, Nebraska savings account rates range from 0.01% to 5.25% APY, verified by MonitorBankRates as of October 13, 2026. The best savings rates for Kearney, Nebraska and the surrounding area include US BankUS Bank204 W 31st St, Kearney, NE 68845A+5.0 ★Texas Ratio: 2.85%Real return: +0.70%APY minus 2.8% CPI (February 2026) Bank Smartly Savings Account at 3.50% APY, FNBO DirectFNBO Direct2223 2nd Ave, Kearney, NE 68847A+5.0 ★Texas Ratio: 4.82%Real return: +0.20%APY minus 2.8% CPI (February 2026) High-Yield Online Savings Account at 3.00% APY, Town & Country Bank Ravenna, NETown & Country Bank Ravenna, NE6005 2nd Ave W, Kearney, NE 68847A+5.0 ★Texas Ratio: 0.02%Real return: -1.55%APY minus 2.8% CPI (February 2026) Money Market Savings at 1.25% APY, Bruning BankBruning Bank1110 17th Ave, Kearney, NE 68845A+5.0 ★Texas Ratio: 0.00%Real return: -2.00%APY minus 2.8% CPI (February 2026) Money Market Savings Accounts at 0.80% APY, and University of Nebraska Federal Credit UnionUniversity of Nebraska Federal Credit Union208 W 29th St Ste C, Kearney, NE 68845 3404A+5.0 ★Texas Ratio: 4.87%Real return: -2.50%APY minus 2.8% CPI (February 2026) IRA Share Savings at 0.30% APY.
Kearney has 30 local institutions in our database, with savings rates as high as 3.50% APY from US Bank at 204 W 31st St, Kearney, NE 68845. Use the table below to compare all available offers, including options from institutions serving the broader Nebraska area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Kearney, Nebraska and the surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Savings Rates in Kearney, Nebraska & Surrounding Communities
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank SmartlyTM Visa Signature Card and a CQB of at least $25,000. APYs may vary by location and are accurate for accounts opened on today's date. Restrictions apply.
Annual Percentage Yield (APY) as of 10-01-2025
Balance: 1,000,000.00 and Above
Balance: 500,000.00-$999,999.99
- Sep 24, 20260.75%▲ from 0.50%
- Sep 11, 20260.50%first recorded
Balance: 250,000.00-$499,999.99
Balance: 100,000.00-249,999.99
Balance: 50,000.00-99,999.99
Balance: 2,500.00-49,999.99
Balance: $1 and Over
Balance: .01-2,499.99
Balance: $5 and Over
Balance: $20,000.00 & over; Minimum balance to retain membership $5.00
Balance: $10,000 - $19,999.99; Minimum balance to retain membership $5.00
- Sep 24, 20260.10%▲ from 0.05%
- Sep 11, 20260.05%first recorded
Balance: $5,000 - $9,999.99; Minimum balance to retain membership $5.00
When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Oct 7, 20260.05%▲ from 0.01%
- Sep 27, 20260.01%▼ from 0.05%
- Sep 18, 20260.05%first recorded
Balance: $0+
Balance: $100.00 - $4,999.99; Minimum balance to retain membership $5.00
When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Oct 7, 20260.02%▲ from 0.01%
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Balance: $0+
Ages: under 12; Balance: $0.00 - $500.00; First $500 deposited earns 5.25% interest
Balance: $0.01 - $500.00; Compound Frequency: Monthly
Balance: $0.01 - $5,000.00; eStatements: Free
Balance: $0.01 - $2,000.00; eStatements: Free
APYRange: 0.00% - 4.60%; Balance: $0.01 - $1,000.00
- Oct 3, 20263.74%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Balance: $500,000+
- Oct 7, 20263.65%▲ from 3.55%
- Sep 11, 20263.55%first recorded
Balance: $100,000.01 & Above
- Oct 6, 20263.46%▲ from 3.26%
- Sep 30, 20263.26%first recorded
- Oct 6, 20263.46%▲ from 3.26%
- Sep 30, 20263.26%first recorded
For Kids 12 & Under
- Sep 19, 20263.02%▲ from 2.52%
- Sep 11, 20262.52%first recorded
Balance: $0.01 & Above
Balance: $25,000.01 - $100,000.00
Ages: 0-18 years; APY on balances up to $3,000; Benefit from special promotions just for young savers; Pick a prize with each deposit of $1.00 or more
Ages: 13-17; Balance: $0.00 - $1,000.00; Earns 3.00% on the first $1,000 deposited
Balance: $1,000.00 & greater; Period: Monthly
- Sep 21, 20262.90%▲ from 2.65%
- Sep 14, 20262.65%first recorded
Balance: $500,000.00 +
Balance: $500,000.00 +
- Oct 10, 20262.75%▲ from 2.17%
- Sep 30, 20262.17%first recorded
Balance: $5 minimum balance to open
Balance: $400,000 - $499,999.99
- Oct 7, 20262.65%▲ from 2.52%
- Sep 11, 20262.52%first recorded
Balance: $1,000,000 and over
Share Account; APR column shown as 2.00%
$5,000.00; Balance: $200,000 and above
Balance: $2,500.01 & Up; Credited Monthly
Qualifications Required; Balance: $0.01+
Qualifications Required; Balance: $0.01+
Balance: $500,000 - $999,999
Compounding: Quarterly
Balance: $250,000 - $499,999
$5,000.00; Balance: $100,000 - $199,999.99
Balance: $100,000 - $249,999
Balance: $50,000 and over
$5,000.00; Balance: $50,000 - $99,999.99
Balance: Tier V; $100,000 and over. After 3 monthly withdrawals, a fee of $10.00 will be charged per transaction
$5,000.00; Balance: $15,000 - $49,999.99
Balance: $25,000 - $49,999
Balance: $10,000 - $24,999
Balance: Tier IV; $25,000 and over. After 3 monthly withdrawals, a fee of $10.00 will be charged per transaction
Balance: $2,500 - $9,999
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.
Kearney, NE Savings Rate Trends
Compare local Kearney, NE savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Nebraska high-yield savings rates fell 0.039 points over the past 7 days to 1.887% APY, down from 1.926%.
Nebraska standard savings rates fell 0.007 points over the past 7 days to 0.522% APY, down from 0.529%.
Kearney, Nebraska Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current NE high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings 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 savings average of 1.887% 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 online savings rates tend to adjust faster than standard branch-based savings rates.
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 Kearney, Nebraska.
Savings Account Earnings in Kearney, Nebraska
Annual interest earnings at current NE average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.887% APY) | Monthly Earnings | Standard Savings (0.522% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $94.35 / year | $7.86 | $26.09 / year | $2.17 |
| $10,000 | $188.71 / year | $15.73 | $52.18 / year | $4.35 |
| $25,000 | $471.78 / year | $39.32 | $130.45 / year | $10.87 |
| $50,000 | $943.55 / year | $78.63 | $260.90 / year | $21.74 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Kearney, Nebraska savings rate averages as of October 14, 2026. | ||||
About Our Kearney, Nebraska Savings Rate Database
MonitorBankRates found 7 institutions with branches in Kearney (5 banks, 2 credit unions), plus 21 additional state-chartered and national online institutions available to Kearney 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 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: US Bank offers a savings account at 3.50% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Kearney, Nebraska.
How to Find the Best Savings Rates in Kearney, Nebraska
What to compare when shopping for a savings account in Kearney, Nebraska
To find the best savings APYs in Kearney, Nebraska, start with credit unions and online-only banks: Kearney, Nebraska has 14 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current NE high-yield savings average is 1.887% but top local institutions are offering as high as 3.50%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Kearney, Nebraska high-yield savings rates currently average 1.887% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Kearney, Nebraska institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 28 institutions in Kearney, Nebraska report savings 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 Kearney, Nebraska CD rates
- You want check-writing flexibility Kearney, Nebraska money market rates
- You need daily transaction access Kearney, Nebraska checking rates
Kearney, Nebraska Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
16.2% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.9% reflects a strong local economy with solid savings capacity. At today’s NE high-yield savings average of 1.887%, saving 10% of the local median salary ($3,569/year) would earn an additional $67 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Kearney, Nebraska Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Kearney, Nebraska.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current NE Avg APY | 1.887% | 0.522% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Kearney, Nebraska averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Kearney, Nebraska
At NE’s top rate of 3.50% from US Bank, a $10,000 deposit earns $350 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Kearney, Nebraska earner is roughly $8,900. At 1.887% APY, saving $740/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsNebraska’s high-yield savings average is 1.887% APY, variable and always accessible. 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 Kearney, Nebraska earner makes $35,690/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.887% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.887% APY grows to roughly $36,335 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 Kearney, Nebraska savings 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 Savings Rate Data: We aggregate savings account rates for Kearney, 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 savings 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 Kearney, Nebraska. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in NE.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Kearney, Nebraska
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Kearney, Nebraska safe?
How often do savings rates change in Kearney, Nebraska?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Kearney, Nebraska?
How do I open a savings account in Kearney, Nebraska?
Best Savings Rates in Kearney, Nebraska
- US Bank
Bank Smartly Savings Account: 3.50% APY - FNBO Direct
High-Yield Online Savings Account: 3.00% APY - Town & Country Bank Ravenna, NE
Money Market Savings: 1.25% APY - Bruning Bank
Money Market Savings Accounts: 0.80% APY - University of Nebraska Federal Credit Union
IRA Share Savings: 0.30% APY
Kearney, Nebraska Rates & Resources
