Best 4-Year CD Rates in Nebraska, NE

You are viewing rates from banks across Nebraska

Below are four-year CD Rates from banks in Nebraska . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

NE - August 1, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Merrick Bank	4.05%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.00% → 3.40%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Commercial State Bank Nebraska City Branch	3.26%	$1,000	-	Learn More Add Review
Rate History: 3.25% → 3.50% → 3.26%
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Citizens	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Union Bank and Trust Company Auburn Branch	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Bank of Dixon County 412 Main Street Branch	1.56%	$10,000	-	Learn More Add Review
Citizens State Bank Spalding Branch	1.51%	$10,000	-	Learn More Add Review
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Henderson State Bank Henderson State Bank Branch	1.50%	$10,000	-	Learn More Add Review
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
Farmers and Merchants Bank Farmers And Merchants Bank Branch	1.41%	$500	-	Learn More Add Review
Security Bank Osmond Branch	1.37%	$10,000	-	Learn More Add Review
Bank of the Valley Bank Of The Valley Branch	1.36%	$10,000	-	Learn More Add Review
Foundation One Bank North 156th Street Branch	1.31%	$10,000	-	Learn More Add Review
Citizens State Bank Citizens State Bank Branch	1.31%	$10,000	-	Learn More Add Review
Elkhorn Valley Bank & Trust Elkhorn Valley Bank & Trust Branch	1.30%	$10,000	-	Learn More Add Review
Pinnacle Bank - Wyoming Mitchell Branch	1.26%	$10,000	-	Learn More Add Review
Brunswick State Bank Brunswick State Bank Branch	1.26%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Dundee Bank Dundee Branch	1.25%	$500	-	Learn More Add Review
Western Nebraska Bank Bank Of Paxton Branch	1.21%	$10,000	-	Learn More Add Review
Bank of Hartington 304 North Broadway Branch	1.21%	$10,000	-	Learn More Add Review
Home Federal Savings and Loan Association of Grand Island 715 West 4th Branch	1.20%	$10,000	-	Learn More Add Review
Tri Valley Bank Tri Valley Bank Branch	1.16%	$10,000	-	Learn More Add Review
Farmers State Bank Bridgeport Branch	1.15%	$10,000	-	Learn More Add Review
Madison County Bank Norfolk Branch	1.15%	$10,000	-	Learn More Add Review
Homestead Bank Drive-Thru Schuyler Branch	1.15%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Pinnacle Bank Home State Bank Branch	1.15%	$10,000	-	Learn More Add Review
Scribner Bank Scribner Bank Branch	1.15%	$100,000	-	Learn More Add Review
Cedar Security Bank Wynot Branch	1.11%	$1,000	-	Learn More Add Review
Pinnacle Bank Home State Bank Branch	1.10%	$10,000	-	Learn More Add Review
Homestead Bank Drive-Thru Schuyler Branch	1.10%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Columbus Bank and Trust Company Columbus Bank And Trust Company Branch	1.10%	$100,000	-	Learn More Add Review
Exchange Bank Exchange Bank Branch	1.10%	$10,000	-	Learn More Add Review
Adams County Bank Adams County Bank Branch	1.10%	$100,000	-	Learn More
BobLevesque \| Feb 24, 2020 Adams County Bank was the only bank in the county that would set up an account for our newly-arrived family many years ago. We were forever grateful! Bob, retired IT professional Read More Reviews (2)
Countryside Bank Countryside Bank Branch	1.06%	$10,000	-	Learn More Add Review
Cedar Rapids State Bank Cedar Rapids State Bank Branch	1.05%	$1,000	-	Learn More Add Review
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	1.05%	$1,000	-	Learn More Add Review
Bank of Elgin Bank Of Elgin Branch	1.05%	$10,000	-	Learn More Add Review
Cornerstone Bank North Loup Valley Branch	1.05%	$10,000	-	Learn More Add Review
Bank of Clarks Farmers State Bank Of Silver Creek B Branch	1.05%	$10,000	-	Learn More Add Review
Bank of Prague Bank Of Prague Branch	1.05%	$10,000	-	Learn More Add Review
Bank of Bennington 2433 Silver Street Branch	1.05%	$10,000	-	Learn More Add Review
South Central State Bank South Central State Bank Branch	1.05%	$10,000	-	Learn More Add Review
Genoa Community Bank Genoa Community Bank Branch	1.00%	$500	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
First State Bank First State Bank Branch	1.00%	$10,000	-	Learn More Add Review
Washington County Bank Washington County Bank - Washington Branch	1.00%	$10,000	-	Learn More Add Review
Lincoln FSB of Nebraska 720 4th Avenue Branch	1.00%	$10,000	-	Learn More Add Review
Pathway Bank Pathway Bank Branch	1.00%	$100,000	-	Learn More Add Review
Platte Valley Bank Plaza Branch	1.00%	$10,000	-	Learn More Add Review
First Bank and Trust of Fullerton First Bank And Trust Of Fullerton Branch	1.00%	$10,000	-	Learn More Add Review
Homestead Bank Drive-Thru Schuyler Branch	1.00%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
FirstBank of Nebraska Syracuse Branch	1.00%	$10,000	-	Learn More Add Review
First Westroads Bank, Inc. Westroads Branch	1.00%	$10,000	-	Learn More Add Review
First State Bank Mullen Branch	1.00%	$10,000	-	Learn More Add Review
Five Points Bank Omaha- Mobile Branch	1.00%	$10,000	-	Learn More Add Review
City Bank & Trust Co. City Bank & Trust Company Branch	1.00%	$100,000	-	Learn More Add Review
Nebraska Bank of Commerce Nebraska Bank Of Commerce Branch	1.00%	$10,000	-	Learn More Add Review
State Bank of Table Rock State Bank Of Table Rock, Pawnee City Branch	1.00%	$10,000	-	Learn More Add Review
Minden Exchange Bank & Trust Company Minden Exchange Bank & Trust Company Branch	1.00%	$500	-	Learn More Add Review
Adams County Bank Adams County Bank Branch	1.00%	$10,000	-	Learn More
BobLevesque \| Feb 24, 2020 Adams County Bank was the only bank in the county that would set up an account for our newly-arrived family many years ago. We were forever grateful! Bob, retired IT professional Read More Reviews (2)
The Bank of Steinauer The Bank Of Steinauer Branch	1.00%	$10,000	-	Learn More Add Review
Town & Country Bank Town & Country Bank Branch	0.95%	$100,000	-	Learn More Add Review
Homestead Bank Drive-Thru Schuyler Branch	0.95%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
First State Bank Nebraska De Witt Branch	0.95%	$10,000	-	Learn More Add Review
JONES BANK Milford Branch	0.95%	$10,000	-	Learn More Add Review
Enterprise Bank Regency Parkway Branch	0.95%	$10,000	-	Learn More Add Review
Cattle Bank and Trust Village Gardens Branch	0.95%	$10,000	-	Learn More Add Review
First Bank of Utica First Bank Of Utica Branch	0.95%	$10,000	-	Learn More Add Review
Cornhusker Bank Apples Way Branch	0.95%	$10,000	-	Learn More Add Review
City Bank & Trust Co. City Bank & Trust Company Branch	0.95%	$10,000	-	Learn More Add Review
Commercial Bank Commercial Bank Branch	0.95%	$10,000	-	Learn More Add Review
Nebraska State Bank Nebraska State Bank Branch	0.90%	$100,000	-	Learn More Add Review
The Hershey State Bank Hershey State Bank, North Platte Branch	0.90%	$100,000	-	Learn More Add Review
Custer Federal State Bank Custer Federal State Bank Branch	0.90%	$10,000	-	Learn More Add Review
First National Bank in Ord First National Bank In Ord Branch	0.90%	$100,000	-	Learn More Add Review
The Potter State Bank of Potter The Potter State Bank Of Potter Branch	0.90%	$10,000	-	Learn More Add Review
FirsTier Bank Firstier Bank Branch	0.90%	$10,000	-	Learn More Add Review
Scribner Bank Scribner Bank Branch	0.90%	$10,000	-	Learn More Add Review
Wahoo State Bank 314 5th Street Branch	0.90%	$10,000	-	Learn More Add Review
American Exchange Bank Elmwood Branch	0.90%	$10,000	-	Learn More Add Review
MNB BANK Stratton Branch	0.90%	$10,000	-	Learn More Add Review
First State Bank 620 West Main Street Branch	0.90%	$100,000	-	Learn More Add Review
West Plains Bank West Plains Bank Branch	0.85%	$100,000	-	Learn More Add Review
First Nebraska Bank Brainard Branch	0.85%	$10,000	-	Learn More Add Review
The Hershey State Bank Hershey State Bank, North Platte Branch	0.85%	$10,000	-	Learn More Add Review
Town & Country Bank Town & Country Bank Branch	0.85%	$10,000	-	Learn More Add Review
Platte Valley Bank Platte Valley Bank Branch	0.85%	$10,000	-	Learn More Add Review
United Republic Bank United Republic Bank Branch	0.85%	$10,000	-	Learn More Add Review
Western National Bank Byron State Bank Branch	0.85%	$10,000	-	Learn More Add Review
Great Plains State Bank Great Plains State Bank Branch	0.80%	$10,000	-	Learn More Add Review
Nebraska State Bank Nebraska State Bank Branch	0.80%	$10,000	-	Learn More Add Review
Pathway Bank Pathway Bank Branch	0.80%	$10,000	-	Learn More Add Review
Heartland Bank Heartland Bank Branch	0.80%	$100,000	-	Learn More
pissed \| Feb 17, 2022 Heartland needs to get out of the USA! They are way to political and they are bigots! Go back to New Zealand-we do not need these hateful people in this country! DISGUSTING! Read More Reviews (1)
Columbus Bank and Trust Company Columbus Bank And Trust Company Branch	0.80%	$10,000	-	Learn More Add Review
Access Bank Access Bank Branch	0.80%	$10,000	-	Learn More
Yusuf oluwashindara \| Sep 23, 2019 Access not. A good bank...whenever you save money to it their won't be any issue or problem but if you try to withdraw your money they will be telling you that you need to authorize.... Read More Reviews (1)
First Savings Bank Omaha Branch	0.80%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
First State Bank 620 West Main Street Branch	0.80%	$10,000	-	Learn More Add Review
F&M Bank F&M Bank Branch	0.80%	$100,000	-	Learn More Add Review
West Plains Bank West Plains Bank Branch	0.75%	$10,000	-	Learn More Add Review
CHARTER WEST BANK Pender Branch	0.75%	$10,000	-	Learn More Add Review
Bruning Bank Bank Of Broken Bow, A Branch Of Bruning State Bank Branch	0.75%	$10,000	-	Learn More Add Review
Adams Bank & Trust Chappell Branch	0.75%	$10,000	-	Learn More Add Review
First National Bank in Ord First National Bank In Ord Branch	0.75%	$10,000	-	Learn More Add Review
Heartland Bank Heartland Bank Branch	0.75%	$10,000	-	Learn More
pissed \| Feb 17, 2022 Heartland needs to get out of the USA! They are way to political and they are bigots! Go back to New Zealand-we do not need these hateful people in this country! DISGUSTING! Read More Reviews (1)
Pinnacle Bank Home State Bank Branch	0.75%	$10,000	-	Learn More Add Review
West Gate Bank Eagle Crest Branch	0.75%	$10,000	-	Learn More Add Review
Stockmens Bank The State Bank Of Bartley Branch	0.75%	$10,000	-	Learn More Add Review
Tecumseh Federal Bank Tecumseh Federal Bank Branch	0.75%	$10,000	-	Learn More Add Review
Sandhills State Bank North Platte Branch	0.70%	$500	-	Learn More Add Review
First Community Bank Bancroft Branch	0.70%	$10,000	-	Learn More Add Review
F&M Bank Wayne Branch	0.70%	$100,000	-	Learn More Add Review
First Northeast Bank of Nebraska Uehling Branch	0.70%	$10,000	-	Learn More Add Review
York State Bank Detached Tellers' Branch	0.70%	$100,000	-	Learn More Add Review
Waypoint Bank Waypoint Bank Branch	0.65%	$10,000	-	Learn More Add Review
Midwest Bank National Association Deshler Branch	0.60%	$100,000	-	Learn More Add Review
Great Southern Bank Bellevue Branch	0.60%	$250	-	Learn More Add Review
Pinnacle Bank Home State Bank Branch	0.60%	$10,000	-	Learn More Add Review
NebraskaLand National Bank S. Dewey Branch	0.60%	$100,000	-	Learn More Add Review
York State Bank Detached Tellers' Branch	0.60%	$10,000	-	Learn More Add Review
F&M Bank F&M Bank Branch	0.60%	$10,000	-	Learn More Add Review
Arbor Bank Arbor Bank Branch	0.57%	$10,000	-	Learn More Add Review
Five Points Bank of Hastings Hastings Downtown Branch	0.55%	$500	-	Learn More
Marie50 \| Feb 19, 2023 Does five point bank of Hastings cash a check through atm Read More Reviews (1)
Thayer County Bank Thayer County Bank Branch	0.55%	$100,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
Midwest Bank National Association Deshler Branch	0.50%	$10,000	-	Learn More Add Review
F&M Bank Wayne Branch	0.50%	$10,000	-	Learn More Add Review
Nebraska State Bank and Trust Company Merna Branch	0.50%	$10,000	-	Learn More Add Review
Sidney Federal Savings and Loan Association Sidney Federal Savings And Loan Asso Branch	0.50%	$10,000	-	Learn More Add Review
First State Bank & Trust Company Walmart Office Branch	0.50%	$10,000	-	Learn More Add Review
Pinnacle Bank Home State Bank Branch	0.50%	$10,000	-	Learn More Add Review
Thayer County Bank Thayer County Bank Branch	0.45%	$10,000	-	Learn More Add Review
Astra Bank Sutton Branch	0.40%	$500	-	Learn More Add Review
NebraskaLand National Bank S. Dewey Branch	0.40%	$10,000	-	Learn More Add Review
Pinnacle Bank Home State Bank Branch	0.30%	$500	-	Learn More Add Review
Northwest Bank La Vista Branch	0.30%	$10,000	-	Learn More Add Review
UMB Bank, National Association Village Pointe Branch	0.30%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Central National Bank Mortgage Department Branch	0.27%	$50,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
Pinnacle Bank Home State Bank Branch	0.25%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
Heritage Bank St. Paul Branch	0.20%	$10,000	-	Learn More Add Review
Central National Bank Mortgage Department Branch	0.17%	$10,000	-	Learn More Add Review
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
U.S. Bank National Association 10th & Norfolk Branch	0.15%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
First National Bank of Omaha 17th Avenue Branch	0.12%	$500	-	Learn More Add Review
Frontier Bank Frontier Bank Lincoln Branch (Glynoa	0.10%	$500	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
Commercial State Bank Nebraska City Branch	617 Central Avenue	Nebraska City	NE
Union Bank and Trust Company Auburn Branch	1301 J Street	Auburn	NE
Bank of Dixon County 412 Main Street Branch	412 Main Street	New Castle	NE
Citizens State Bank Spalding Branch	121 North Chestnut Street	Spalding	NE
Henderson State Bank Henderson State Bank Branch	627 Lincoln Avenue	York	NE
Farmers and Merchants Bank Farmers And Merchants Bank Branch	501 Main St	Milligan	NE
Security Bank Osmond Branch	321 N State Street	Osmond	NE
Bank of the Valley Bank Of The Valley Branch	404 State Street	Bellwood	NE
Foundation One Bank North 156th Street Branch	4141 North 156th Street	Omaha	NE
Citizens State Bank Citizens State Bank Branch	209 3rd Street	Carleton	NE
Elkhorn Valley Bank & Trust Elkhorn Valley Bank & Trust Branch	800 West Benjamin Avenue	Norfolk	NE
Pinnacle Bank - Wyoming Mitchell Branch	1511 Broadway	Mitchell	NE
Brunswick State Bank Brunswick State Bank Branch	226 2nd St	Brunswick	NE
Dundee Bank Dundee Branch	5015 Underwood Avenue	Omaha	NE
Western Nebraska Bank Bank Of Paxton Branch	203 North Oak Street	Paxton	NE
Bank of Hartington 304 North Broadway Branch	304 North Broadway	Hartington	NE
Home Federal Savings and Loan Association of Grand Island 715 West 4th Branch	715 West 4th	Hastings	NE
Riverstone Bank Tri Valley Bank Branch	223 Main Street	Talmage	NE
Nebraska Bank Bridgeport Branch	823 Main Street	Bridgeport	NE
Madison County Bank Norfolk Branch	2100 Pasewalk Avenue	Norfolk	NE
Homestead Bank Drive-Thru Schuyler Branch	715 West Sixteenth Street	Schuyler	NE
Pinnacle Bank Home State Bank Branch	218 Main Street	Louisville	NE
Scribner Bank Scribner Bank Branch	400 Main Street	Scribner	NE
Cedar Security Bank Wynot Branch	411 St James Ave	Wynot	NE
Pinnacle Bank Home State Bank Branch	218 Main Street	Louisville	NE
Homestead Bank Drive-Thru Schuyler Branch	715 West Sixteenth Street	Schuyler	NE
Columbus Bank and Trust Company Columbus Bank And Trust Company Branch	2501 13th Street	Columbus	NE
Exchange Bank Exchange Bank Branch	7655 Pioneers Blvd	Lincoln	NE
Adams County Bank Adams County Bank Branch	401 N. Smith Avenue	Kenesaw	NE
Countryside Bank Countryside Bank Branch	379 Main Street	Unadilla	NE
Cedar Rapids State Bank Cedar Rapids State Bank Branch	213 W Main St	Cedar Rapids	NE
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	721 Seventh Street	Saint Paul	NE
Bank of Elgin Bank Of Elgin Branch	101 North 2nd Street	Elgin	NE
Cornerstone Bank North Loup Valley Branch	404 W 1st St	North Loup	NE
Bank of Clarks Farmers State Bank Of Silver Creek B Branch	Second And Vine	Silver Creek	NE
Bank of Prague Bank Of Prague Branch	316 West Center Avenue	Prague	NE
I3 Bank 2433 Silver Street Branch	2433 Silver Street	Ashland	NE
South Central State Bank South Central State Bank Branch	673 Broad St.	Campbell	NE
Genoa Community Bank Genoa Community Bank Branch	Willard Avenue And Oak Street	Genoa	NE
First State Bank First State Bank Branch	Broadway And Main Streets	Randolph	NE
Washington County Bank Washington County Bank - Washington Branch	303 South 13th Street	Tekamah	NE
Lincoln FSB of Nebraska 720 4th Avenue Branch	720 4th Avenue	Holdrege	NE
Pathway Bank Pathway Bank Branch	817 H Street	Burwell	NE
Platte Valley Bank Plaza Branch	710 Avenue B	Scottsbluff	NE
First Bank and Trust of Fullerton First Bank And Trust Of Fullerton Branch	230 Broadway	Fullerton	NE
Homestead Bank Drive-Thru Schuyler Branch	715 West Sixteenth Street	Schuyler	NE
FirstBank of Nebraska Syracuse Branch	320 Fifth St	Syracuse	NE
First Westroads Bank, Inc. Westroads Branch	612 N. 98th Street	Omaha	NE
Dayspring Bank Mullen Branch	101 Northwest First	Mullen	NE
Five Points Bank Omaha- Mobile Branch	9817 Giles Road	La Vista	NE
City Bank & Trust Co. City Bank & Trust Company Branch	940 'p' Street	Lincoln	NE
Nebraska Bank of Commerce Nebraska Bank Of Commerce Branch	6000 Village Drive, Suite 100	Lincoln	NE
State Bank of Table Rock State Bank Of Table Rock, Pawnee City Branch	650 G Street	Pawnee City	NE
Minden Exchange Bank & Trust Company Minden Exchange Bank & Trust Company Branch	448 North Minden Avenue	Minden	NE
Adams County Bank Adams County Bank Branch	401 N. Smith Avenue	Kenesaw	NE
The Bank of Steinauer The Bank Of Steinauer Branch	215 Main St	Steinauer	NE
Town & Country Bank Town & Country Bank Branch	423 Grand Avenue	Ravenna	NE
Homestead Bank Drive-Thru Schuyler Branch	715 West Sixteenth Street	Schuyler	NE
First State Bank Nebraska De Witt Branch	307 East Fillmore Avenue	De Witt	NE
JONES BANK Milford Branch	807 Fifth Street	Milford	NE
Enterprise Bank Regency Parkway Branch	210 Regency Parkway	Omaha	NE
Cattle Bank and Trust Village Gardens Branch	5800 Hidcote Ave., Suite 106	Lincoln	NE
First Bank of Utica First Bank Of Utica Branch	785 D Street	Utica	NE
Cornhusker Bank Apples Way Branch	6100 Apple's Way	Lincoln	NE
City Bank & Trust Co. City Bank & Trust Company Branch	940 'p' Street	Lincoln	NE
Commercial Bank Commercial Bank Branch	Fourth And Main (S.W. Corner)	Nelson	NE
Nebraska State Bank Nebraska State Bank Branch	301 Prairie Street	Bristow	NE
Hershey Bank Hershey State Bank, North Platte Branch	301 East Philip Avenue	North Platte	NE
Custer Federal State Bank Custer Federal State Bank Branch	341 South 10th Avenue	Broken Bow	NE
First National Bank in Ord First National Bank In Ord Branch	1411 M Street	Ord	NE
The Potter State Bank of Potter The Potter State Bank Of Potter Branch	Front And Chestnut	Potter	NE
FirsTier Bank Firstier Bank Branch	222 North Tyler Street	Elm Creek	NE
Scribner Bank Scribner Bank Branch	400 Main Street	Scribner	NE
Wahoo State Bank 314 5th Street Branch	314 5th Street	Wahoo	NE
American Exchange Bank Elmwood Branch	440 D Street	Eagle	NE
MNB BANK Stratton Branch	Bailey Street	Stratton	NE
First State Bank 620 West Main Street Branch	620 West Main Street	Alma	NE
West Plains Bank West Plains Bank Branch	200 North Main Street	Ainsworth	NE
First Nebraska Bank Brainard Branch	Madison Street	Brainard	NE
Hershey Bank Hershey State Bank, North Platte Branch	301 East Philip Avenue	North Platte	NE
Town & Country Bank Town & Country Bank Branch	423 Grand Avenue	Ravenna	NE
Platte Valley Bank Platte Valley Bank Branch	606 Main Street	North Bend	NE
United Republic Bank United Republic Bank Branch	111 North 181st Street	Omaha	NE
Western National Bank Byron State Bank Branch	115 Kansas Avenue	Byron	NE
Great Plains State Bank Great Plains State Bank Branch	140 Main Street	Petersburg	NE
Nebraska State Bank Nebraska State Bank Branch	301 Prairie Street	Bristow	NE
Pathway Bank Pathway Bank Branch	817 H Street	Burwell	NE
Heartland Bank Heartland Bank Branch	896 G Street	Geneva	NE
Columbus Bank and Trust Company Columbus Bank And Trust Company Branch	2501 13th Street	Columbus	NE
Access Bank Access Bank Branch	8712 West Dodge Road	Omaha	NE
First Savings Bank Omaha Branch	3540 South 84th Street	Omaha	NE
First State Bank 620 West Main Street Branch	620 West Main Street	Alma	NE
F&M Bank F&M Bank Branch	1701 Stone Street	Falls City	NE
West Plains Bank West Plains Bank Branch	200 North Main Street	Ainsworth	NE
CHARTER WEST BANK Pender Branch	610 4th Street	Pender	NE
Bruning Bank Bank Of Broken Bow, A Branch Of Bruning State Bank Branch	803 South D Street	Broken Bow	NE
Adams Bank & Trust Chappell Branch	641 2nd Street	Chappell	NE
First National Bank in Ord First National Bank In Ord Branch	1411 M Street	Ord	NE
Heartland Bank Heartland Bank Branch	896 G Street	Geneva	NE
Pinnacle Bank Home State Bank Branch	218 Main Street	Louisville	NE
West Gate Bank Eagle Crest Branch	8400 Eagle Crest Rd	Lincoln	NE
Stockmens Bank The State Bank Of Bartley Branch	402 Commercial Street	Bartley	NE
Tecumseh Federal Bank Tecumseh Federal Bank Branch	160 N 4th Street	Tecumseh	NE
Sandhills State Bank North Platte Branch	203 South Dewey Street	North Platte	NE
First Community Bank Bancroft Branch	N Main Street	Bancroft	NE
F&M Bank Wayne Branch	321 Main	Wayne	NE
First Northeast Bank of Nebraska Uehling Branch	423 Main Street	Uehling	NE
York State Bank Detached Tellers' Branch	729 Lincoln Avenue	York	NE
Waypoint Bank Waypoint Bank Branch	747 Meridian	Cozad	NE
Midwest Bank Deshler Branch	701 4th St	Deshler	NE
Great Southern Bank Bellevue Branch	7001 South 36th Street	Bellevue	NE
Pinnacle Bank Home State Bank Branch	218 Main Street	Louisville	NE
Nebraskaland Bank S. Dewey Branch	1400 S. Dewey Street	North Platte	NE
York State Bank Detached Tellers' Branch	729 Lincoln Avenue	York	NE
F&M Bank F&M Bank Branch	1701 Stone Street	Falls City	NE
Arbor Bank Arbor Bank Branch	911 Central Avenue	Nebraska City	NE
Five Points Bank of Hastings Hastings Downtown Branch	322 North Saint Joseph Avenue	Hastings	NE
Thayer County Bank Thayer County Bank Branch	402 Lincoln Avenue	Hebron	NE
Midwest Bank Deshler Branch	701 4th St	Deshler	NE
F&M Bank Wayne Branch	321 Main	Wayne	NE
Nebraska State Bank and Trust Company Merna Branch	Center Avenue And Highway 92	Merna	NE
Sidney Federal Savings and Loan Association Sidney Federal Savings And Loan Asso Branch	1045 10th Avenue	Sidney	NE
RVR Bank Walmart Office Branch	3010 East 23rd Avenue North	Fremont	NE
Pinnacle Bank Home State Bank Branch	218 Main Street	Louisville	NE
Thayer County Bank Thayer County Bank Branch	402 Lincoln Avenue	Hebron	NE
Astra Bank Sutton Branch	105 S. Saunders Avenue	Sutton	NE
Nebraskaland Bank S. Dewey Branch	1400 S. Dewey Street	North Platte	NE
Pinnacle Bank Home State Bank Branch	218 Main Street	Louisville	NE
Northwest Bank La Vista Branch	9719 Giles Rd	La Vista	NE
UMB Bank, National Association Village Pointe Branch	16929 Burke Street	Omaha	NE
Central National Bank Mortgage Department Branch	P.O. Box 268	Superior	NE
Pinnacle Bank Home State Bank Branch	218 Main Street	Louisville	NE
Heritage Bank St. Paul Branch	821 2nd Street	St. Paul	NE
Central National Bank Mortgage Department Branch	P.O. Box 268	Superior	NE
U.S. Bank National Association 10th & Norfolk Branch	909 Norfolk Avenue	Norfolk	NE
First National Bank of Omaha 17th Avenue Branch	5410 17th Avenue	Kearney	NE
Frontier Bank Frontier Bank Lincoln Branch (Glynoa	8380 Glynoaks Drive	Lincoln	NE

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

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