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Nebraska Savings Rate Trends

Lincoln, Nebraska (NE) Savings Rates - March 2026

The best savings rates for Lincoln, Nebraska and the surrounding area include I3 BankI3 Bank3933 S 14th St, Lincoln, NE 68502A5.0 ★Texas Ratio: 7.81% SuperSaver Kids Club Savings at 5.00% APY, Lincoln FSB of NebraskaLincoln FSB of Nebraska8400 Maddox Dr, Lincoln, NE 68520A+5.0 ★Texas Ratio: 1.59% Premier Savings at 3.55% APY, First Lincoln Federal Credit UnionFirst Lincoln Federal Credit Union5730 R ST STE A, Lincoln, NE 68505 2309A5.0 ★Texas Ratio: 9.83% Youth Savings Accounts at 3.00% APY, LincOne Federal Credit UnionLincOne Federal Credit Union4638 W St, Lincoln, NE 68503A+5.0 ★Texas Ratio: 4.28% Share Savings Account at 2.78% APY, and Cattle Bank and TrustCattle Bank and Trust6550 Merchant Dr, Lincoln, NE 68521A+5.0 ★Texas Ratio: 0.82% HEALTH SAVINGS ACCOUNTS (HSA) at 2.40% APY. Savings rates as of March 24, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Lincoln, Nebraska, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Lincoln, Nebraska (NE) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Lincoln, Nebraska and the surrounding area. Last Updated and Verified: March 24, 2026

Compare the Best Savings Rates in Lincoln, Nebraska & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
I3 Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
3933 S 14th St, Lincoln, NE 68502
SuperSaver Kids Club Savings
5.00%
$0
Rate4.91%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
8400 Maddox Dr, Lincoln, NE 68520
Premier Savings
3.55%
$50
Rate3.49%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
8400 Maddox Dr, Lincoln, NE 68520
Premier Savings
3.05%
$50
Rate3.01%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

First Lincoln Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
5730 R ST STE A, Lincoln, NE 68505 2309
Youth Savings Accounts
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Benefit from special promotions just for young savers; Pick a prize with each deposit of $1.00 or more

Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
8400 Maddox Dr, Lincoln, NE 68520
Business Savings
3.00%
$10,000
Rate2.96%
Min Deposit$10,000
Min Balance
UpdatedMar 20, 2026
Details

LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
4638 W St, Lincoln, NE 68503
Share Savings Account
2.78%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
8400 Maddox Dr, Lincoln, NE 68520
Premier Savings
2.55%
$50
Rate2.52%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
4638 W St, Lincoln, NE 68503
Share Savings Account
2.52%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Cattle Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
6550 Merchant Dr, Lincoln, NE 68521
HEALTH SAVINGS ACCOUNTS (HSA)
2.40%
$0
Rate2.37%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
8400 Maddox Dr, Lincoln, NE 68520
Health Savings Account (HSA)
2.25%
$50
Rate2.23%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
4638 W St, Lincoln, NE 68503
Share Savings Account
2.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2701 Grainger Pkwy, Lincoln, NE 68516
Savings Account
2.00%
$100
Rate1.98%
Min Deposit$100
Min Balance
UpdatedMar 24, 2026
Details

First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2701 Grainger Pkwy, Lincoln, NE 68516
First Rate Savings
2.00%
$100
Rate1.98%
Min Deposit$100
Min Balance
UpdatedMar 24, 2026
Details

Liberty First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
501 N 46th St, Lincoln, NE 68503 3718
Liberty+ Savings
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $0.01

Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
8400 Maddox Dr, Lincoln, NE 68520
Health Savings Account (HSA)
2.00%
$50
Rate1.98%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

First Lincoln Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
5730 R ST STE A, Lincoln, NE 68505 2309
Money Market Plus Savings Account
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

$5,000.00 MINIMUM

Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
8400 Maddox Dr, Lincoln, NE 68520
Premier Savings
2.00%
$50
Rate1.98%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Cattle Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
6550 Merchant Dr, Lincoln, NE 68521
HEALTH SAVINGS ACCOUNTS (HSA)
1.95%
$0
Rate1.93%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
4638 W St, Lincoln, NE 68503
Share Savings Account
1.76%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First Lincoln Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
5730 R ST STE A, Lincoln, NE 68505 2309
Money Market Plus Savings Account
1.75%
$0
Rate1.74%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

$5,000.00 MINIMUM

First Lincoln Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
5730 R ST STE A, Lincoln, NE 68505 2309
Money Market Plus Savings Account
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

$5,000.00 MINIMUM

First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2701 Grainger Pkwy, Lincoln, NE 68516
Money Market Savings Account
1.50%
$2,500
Rate1.49%
Min Deposit$2,500
Min Balance
UpdatedMar 24, 2026
Details

First Lincoln Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
5730 R ST STE A, Lincoln, NE 68505 2309
Money Market Plus Savings Account
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

$5,000.00 MINIMUM

First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2701 Grainger Pkwy, Lincoln, NE 68516
Health Savings Accounts
1.25%
$100
Rate1.24%
Min Deposit$100
Min Balance
UpdatedMar 24, 2026
Details

I3 Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
3933 S 14th St, Lincoln, NE 68502
High-Rate Savings - Personal & Business
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Cattle Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
6550 Merchant Dr, Lincoln, NE 68521
HEALTH SAVINGS ACCOUNTS (HSA)
1.05%
$0
Rate1.04%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Lincoln Public School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
5621 N St, Lincoln, NE 68510
Savings Account
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2701 Grainger Pkwy, Lincoln, NE 68516
Money Market Savings Account
1.00%
$2,500
Rate1.00%
Min Deposit$2,500
Min Balance
UpdatedMar 24, 2026
Details

West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6003 Old Cheney Rd, Lincoln, NE 68516
Health Savings Account
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
8400 Maddox Dr, Lincoln, NE 68520
Health Savings Account (HSA)
1.00%
$50
Rate1.00%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Lincoln SDA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
4733 Prescott Ave, Lincoln, NE 68506 5456
Club Savings
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

(NEW!) 13

First Lincoln Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
5730 R ST STE A, Lincoln, NE 68505 2309
Money Market Plus Savings Account
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

$5,000.00 MINIMUM

LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
4638 W St, Lincoln, NE 68503
Share Savings Account
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Nebraska Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 Village Dr, Lincoln, NE 68516
Personal MMA
0.55%
$0
Rate0.55%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6003 Old Cheney Rd, Lincoln, NE 68516
Regular Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Liberty First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
501 N 46th St, Lincoln, NE 68503 3718
IRA Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Liberty First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
501 N 46th St, Lincoln, NE 68503 3718
Health Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2701 Grainger Pkwy, Lincoln, NE 68516
Health Savings Accounts
0.50%
$100
Rate0.50%
Min Deposit$100
Min Balance
UpdatedMar 24, 2026
Details

I3 Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
3933 S 14th St, Lincoln, NE 68502
High-Rate Savings - Personal & Business
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Nebraska Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 Village Dr, Lincoln, NE 68516
Personal MMA
0.45%
$0
Rate0.45%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Cattle Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
6550 Merchant Dr, Lincoln, NE 68521
Savings
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Cattle Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
6550 Merchant Dr, Lincoln, NE 68521
HEALTH SAVINGS ACCOUNTS (HSA)
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3643 S 48th St, Lincoln, NE 68506
Simply Savings account
0.30%
$100
Rate0.30%
Min Deposit$100
Min Balance
UpdatedMar 22, 2026
Details

Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3643 S 48th St, Lincoln, NE 68506
Simply Savings Student account
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

University of Nebraska Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1720 P St, Lincoln, NE 68508
IRA Share Savings
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Liberty First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
501 N 46th St, Lincoln, NE 68503 3718
Wealth Builder Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Lincoln SDA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
4733 Prescott Ave, Lincoln, NE 68506 5456
Share (Savings) Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

5

Lincoln SDA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
4733 Prescott Ave, Lincoln, NE 68506 5456
Business Shares (Savings) Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

5

First Nebraska Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
5070 N 32nd St, LINCOLN, NE 68504 1095
Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2701 Grainger Pkwy, Lincoln, NE 68516
Money Market Savings Account
0.25%
$2,500
Rate0.25%
Min Deposit$2,500
Min Balance
UpdatedMar 24, 2026
Details

Liberty First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
501 N 46th St, Lincoln, NE 68503 3718
IRA Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Liberty First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
501 N 46th St, Lincoln, NE 68503 3718
Health Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE 68507 3447
Health Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
4638 W St, Lincoln, NE 68503
Share Savings Account
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2701 Grainger Pkwy, Lincoln, NE 68516
Health Savings Accounts
0.25%
$100
Rate0.25%
Min Deposit$100
Min Balance
UpdatedMar 24, 2026
Details

University of Nebraska Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1720 P St, Lincoln, NE 68508
Share Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

First Lincoln Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
5730 R ST STE A, Lincoln, NE 68505 2309
IRA Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

First Lincoln Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
5730 R ST STE A, Lincoln, NE 68505 2309
Money Market Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Liberty First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
501 N 46th St, Lincoln, NE 68503 3718
Health Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Liberty First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
501 N 46th St, Lincoln, NE 68503 3718
IRA Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

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.

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.

Lincoln, NE Savings Rate Trends

Compare local Lincoln, NE savings rate quotes against the statewide average

Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Nebraska Savings Trends →
High-Yield Savings — NE Avg
0.082%
▼ 1.400 from last week

Nebraska high-yield savings rates fell 1.400 points this week to 0.082% APY, down from 1.482% last week.

Standard Savings — NE Avg
0.711%
▲ 0.035 from last week

Nebraska standard savings rates rose 0.035 points this week to 0.711% APY, up from 0.676% last week.

As of Mar 26, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Lincoln, 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 Lincoln, 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 Lincoln, Nebraska

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Nebraska, help your money grow faster through a higher APY.

Are savings accounts in Lincoln, Nebraska safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Nebraska up to $250,000 per depositor, per institution.

How often do savings rates change in Lincoln, Nebraska?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Nebraska rate tables daily to ensure you see the most current high-yield options.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Lincoln, Nebraska may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Lincoln, Nebraska?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Lincoln, Nebraska offer in-person customer service, which some customers prefer.

How do I open a savings account in Lincoln, Nebraska?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Lincoln, Nebraska

Here are recent savings rates observed in Lincoln, Nebraska and the surrounding area:
  • I3 Bank
    SuperSaver Kids Club Savings — 5.00% APY
  • Lincoln FSB of Nebraska
    Premier Savings — 3.55% APY
  • First Lincoln Federal Credit Union
    Youth Savings Accounts — 3.00% APY
  • LincOne Federal Credit Union
    Share Savings Account — 2.78% APY
  • Cattle Bank and Trust
    HEALTH SAVINGS ACCOUNTS (HSA) — 2.40% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lincoln, Nebraska. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 24, 2026