Best 5-Year CD Rates in Ralston, Nebraska, NE

You are viewing rates from banks across Ralston

Below are 5-year CD Rates from banks that are located in Ralston, { Nebraska}. Five Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

Ralston, NE - July 16, 2025

5 Year CD National Average : 0.92% ^?

Banks	APY	MIN	MILES ^?
Citizens State Bank Belden Branch	1.61%	$10,000	-	Learn More Add Review
Henderson State Bank Henderson State Bank Branch	1.60%	$10,000	-	Learn More Add Review
Bank of the Valley Farmers State Branch	1.51%	$10,000	-	Learn More Add Review
Dundee Bank Dundee Branch	1.45%	$500	-	Learn More Add Review
Flatwater Bank Gothenburg State Bank Branch	1.40%	$500	-	Learn More Add Review
Elkhorn Valley Bank & Trust First Nebraska Bank Of Wayne Branch	1.40%	$10,000	-	Learn More Add Review
Security Bank The Coleridge National Bank Branch	1.37%	$10,000	-	Learn More Add Review
Homestead Bank St Paul Branch	1.31%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Foundation One Bank Foundation One Bank Branch	1.31%	$10,000	-	Learn More Add Review
Brunswick State Bank Brunswick State Bank Branch	1.30%	$1,000	-	Learn More Add Review
Western Nebraska Bank Western Nebraska Bank Branch	1.26%	$10,000	-	Learn More Add Review
Astra Bank Sutton Branch	1.26%	$500	-	Learn More Add Review
Columbus Bank and Trust Company Columbus Bank And Trust Company Branch	1.26%	$100,000	-	Learn More Add Review
Homestead Bank St Paul Branch	1.26%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Cedar Rapids State Bank Cedar Rapids State Bank Branch	1.25%	$1,000	-	Learn More Add Review
Farmers State Bank Spencer Branch	1.25%	$10,000	-	Learn More Add Review
Madison County Bank Albion Branch	1.25%	$10,000	-	Learn More Add Review
State Nebraska Bank & Trust State Nebraska Bank & Trust Branch	1.25%	$10,000	-	Learn More Add Review
Bank of Prague Bank Of Prague Branch	1.25%	$10,000	-	Learn More Add Review
Pinnacle Bank Beatrice Branch	1.21%	$10,000	-	Learn More Add Review
Homestead Bank St Paul Branch	1.21%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Tri Valley Bank Tri Valley Bank Branch	1.21%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	1.20%	$1,000	-	Learn More Add Review
Lincoln FSB of Nebraska Lincoln Fsb Of Nebraska Branch	1.20%	$10,000	-	Learn More Add Review
Cedar Security Bank Cedar Security Bank Branch	1.16%	$1,000	-	Learn More Add Review
Pinnacle Bank Beatrice Branch	1.15%	$10,000	-	Learn More Add Review
First Westroads Bank, Inc. First Westroads Bank, Inc. Branch	1.15%	$10,000	-	Learn More Add Review
South Central State Bank Oxford Branch	1.11%	$10,000	-	Learn More Add Review
Genoa Community Bank Genoa Community Bank Branch	1.10%	$500	-	Learn More Add Review
Security First Bank Cody Branch	1.10%	$10,000	-	Learn More Add Review
Bank of Bennington Bank Of Bennington Branch	1.10%	$10,000	-	Learn More Add Review
United Republic Bank United Republic Bank Branch	1.10%	$10,000	-	Learn More Add Review
Exchange Bank Exchange Bank Branch	1.10%	$10,000	-	Learn More Add Review
Homestead Bank St Paul Branch	1.10%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Cattle Bank and Trust Cattle Bank And Trust 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)
Custer Federal State Bank Custer Federal State Bank Branch	1.05%	$10,000	-	Learn More Add Review
Platte Valley Bank Minatare Branch	1.05%	$10,000	-	Learn More Add Review
Enterprise Bank Enterprise Bank Branch	1.05%	$10,000	-	Learn More Add Review
Homestead Bank St Paul Branch	1.05%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Cornhusker Bank Cornhusker Bank Branch	1.05%	$10,000	-	Learn More Add Review
FirsTier Bank Firstier Bank Branch	1.01%	$10,000	-	Learn More Add Review
American Exchange Bank American Exchange Bank Branch	1.01%	$10,000	-	Learn More Add Review
Washington County Bank Washington County Bank Branch	1.00%	$10,000	-	Learn More Add Review
Nebraska State Bank Nebraska State Bank Branch	1.00%	$100,000	-	Learn More Add Review
Pathway Bank Pathway Bank Branch	1.00%	$100,000	-	Learn More Add Review
The Potter State Bank of Potter The Potter State Bank Of Potter Branch	1.00%	$10,000	-	Learn More Add Review
Sidney Federal Savings and Loan Association Sidney Federal Savings And Loan Asso 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
Pinnacle Bank Beatrice Branch	1.00%	$10,000	-	Learn More Add Review
First State Bank Nebraska De Witt Branch	1.00%	$10,000	-	Learn More Add Review
FirstBank of Nebraska Firstbank Of Nebraska Branch	1.00%	$10,000	-	Learn More Add Review
JONES BANK The Jones National Bank And Trust Co Branch	1.00%	$10,000	-	Learn More Add Review
First Savings Bank Omaha Branch	1.00%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
First State Bank Farmers State Bank Branch	1.00%	$10,000	-	Learn More Add Review
First Bank of Utica First Bank Of Utica Branch	1.00%	$10,000	-	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, Dubois Branch	1.00%	$10,000	-	Learn More Add Review
MNB BANK Mccook National Bank Branch	1.00%	$10,000	-	Learn More Add Review
First State Bank 620 West Main Street Branch	1.00%	$100,000	-	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)
Commercial Bank Commercial Bank Branch	1.00%	$10,000	-	Learn More Add Review
Citizens State Bank Citizens State Bank Branch	1.00%	$10,000	-	Learn More Add Review
F&M Bank F&M Bank Branch	1.00%	$100,000	-	Learn More Add Review
First Nebraska Bank Emerson Branch	0.95%	$10,000	-	Learn More Add Review
The Hershey State Bank The Hershey State Bank Branch	0.95%	$100,000	-	Learn More Add Review
Town & Country Bank Town & Country Bank Branch	0.95%	$100,000	-	Learn More Add Review
Great Plains State Bank Great Plains State Bank Branch	0.90%	$10,000	-	Learn More Add Review
West Plains Bank West Plains Bank Branch	0.90%	$100,000	-	Learn More Add Review
F&M Bank F&M Bank Branch	0.90%	$100,000	-	Learn More Add Review
The Hershey State Bank The Hershey State Bank Branch	0.90%	$10,000	-	Learn More Add Review
Columbus Bank and Trust Company Columbus Bank And Trust Company Branch	0.90%	$10,000	-	Learn More Add Review
Platte Valley Bank Platte Valley Bank Branch	0.90%	$10,000	-	Learn More Add Review
Wahoo State Bank Wahoo State Bank Branch	0.90%	$10,000	-	Learn More Add Review
First State Bank 620 West Main Street Branch	0.90%	$10,000	-	Learn More Add Review
Western National Bank Western National Bank Branch	0.90%	$10,000	-	Learn More Add Review
Frontier Bank Pender State Bank Branch	0.85%	$500	-	Learn More Add Review
Nebraska State Bank Nebraska State Bank Branch	0.85%	$10,000	-	Learn More Add Review
Adams Bank & Trust Imperial Branch	0.85%	$10,000	-	Learn More Add Review
Heartland Bank Heartland Bank - Riverdale Branch	0.85%	$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)
Town & Country Bank Town & Country Bank Branch	0.85%	$10,000	-	Learn More Add Review
Access Bank Bank Of Nebraska Branch	0.85%	$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)
West Gate Bank West Gate Bank Branch	0.85%	$10,000	-	Learn More Add Review
Stockmens Bank The State Bank Of Bartley Branch	0.85%	$10,000	-	Learn More Add Review
West Plains Bank West Plains Bank Branch	0.80%	$10,000	-	Learn More Add Review
Sandhills State Bank Bank Of Keystone Branch	0.80%	$500	-	Learn More Add Review
First Community Bank Bancroft Branch	0.80%	$10,000	-	Learn More Add Review
Bruning Bank Bruning 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 - Riverdale Branch	0.80%	$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)
York State Bank York State Bank Branch	0.80%	$100,000	-	Learn More Add Review
F&M Bank F&M Bank Branch	0.80%	$10,000	-	Learn More Add Review
First Northeast Bank of Nebraska Hooper Branch	0.75%	$10,000	-	Learn More Add Review
First State Bank & Trust Company First State Bank & Trust Company Branch	0.75%	$10,000	-	Learn More Add Review
Waypoint Bank Cambridge Br Branch	0.75%	$10,000	-	Learn More Add Review
Midwest Bank National Association Creighton Branch	0.70%	$100,000	-	Learn More Add Review
F&M Bank F&M Bank Branch	0.70%	$10,000	-	Learn More Add Review
Pinnacle Bank Beatrice Branch	0.70%	$10,000	-	Learn More Add Review
NebraskaLand National Bank Nebraskaland National Bank Branch	0.70%	$100,000	-	Learn More Add Review
Arbor Bank Arbor Bank Branch	0.70%	$10,000	-	Learn More Add Review
York State Bank York State Bank Branch	0.70%	$10,000	-	Learn More Add Review
Thayer County Bank Thayer County Bank Branch	0.66%	$100,000	-	Learn More Add Review
Great Southern Bank Fort Calhoun Branch	0.65%	$250	-	Learn More Add Review
Midwest Bank National Association Creighton Branch	0.60%	$10,000	-	Learn More Add Review
Nebraska State Bank and Trust Company Nebraska State Bank And Trust Compan Branch	0.60%	$10,000	-	Learn More Add Review
Pinnacle Bank Beatrice Branch	0.60%	$10,000	-	Learn More Add Review
Premier Bank Premier Bank Branch	0.60%	$10,000	-	Learn More Add Review
BankFirst Bankfirst Branch	0.59%	$100,000	-	Learn More Add Review
Five Points Bank of Hastings Five Points Bank Of Hastings 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	0.51%	$10,000	-	Learn More Add Review
NebraskaLand National Bank Nebraskaland National Bank Branch	0.50%	$10,000	-	Learn More Add Review
Pinnacle Bank Beatrice Branch	0.50%	$10,000	-	Learn More Add Review
BankFirst Bankfirst Branch	0.49%	$10,000	-	Learn More Add Review
Pinnacle Bank Beatrice Branch	0.40%	$10,000	-	Learn More Add Review
U.S. Bank National Association David City Branch	0.40% 0.25%	$1,000 $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)
Security National Bank of Omaha Security National Bank Of Omaha Branch	0.35%	$100,000	-	Learn More Add Review
Northwest Bank Arbor Street Branch	0.35%	$10,000	-	Learn More Add Review
UMB Bank, National Association Umb Bank, National Association Branch	0.35%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Pinnacle Bank Beatrice Branch	0.30%	$500	-	Learn More Add Review
Central National Bank Superior Branch	0.30%	$50,000	-	Learn More Add Review
Central National Bank Superior Branch	0.20%	$10,000	-	Learn More Add Review
Heritage Bank Stromsburg Bank Branch	0.20%	$10,000	-	Learn More Add Review
First National Bank of Omaha Alliance Branch	0.12%	$500	-	Learn More Add Review
Security National Bank of Omaha Security National Bank Of Omaha Branch	0.10%	$10,000	-	Learn More Add Review

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
Citizens State Bank Belden Branch	114 Nebraska Street	Belden	NE
Henderson State Bank Henderson State Bank Branch	1040 North Main Street	Henderson	NE
Bank of the Valley Farmers State Branch	100 South 3rd Street	Humphrey	NE
Dundee Bank Dundee Branch	5015 Underwood Avenue	Omaha	NE
Flatwater Bank Gothenburg State Bank Branch	900 Lake	Gothenburg	NE
Elkhorn Valley Bank & Trust First Nebraska Bank Of Wayne Branch	411 East 7th Street	Wayne	NE
Security Bank The Coleridge National Bank Branch	101 West Broadway	Coleridge	NE
Homestead Bank St Paul Branch	619 Grand Street	St. Paul	NE
Foundation One Bank Foundation One Bank Branch	23804 Cedar Drive	Waterloo	NE
Brunswick State Bank Brunswick State Bank Branch	226 2nd St	Brunswick	NE
Western Nebraska Bank Western Nebraska Bank Branch	301 Center Avenue	Curtis	NE
Astra Bank Sutton Branch	105 S. Saunders Avenue	Sutton	NE
Columbus Bank and Trust Company Columbus Bank And Trust Company Branch	2501 13th Street	Columbus	NE
Homestead Bank St Paul Branch	619 Grand Street	St. Paul	NE
Cedar Rapids State Bank Cedar Rapids State Bank Branch	213 W Main St	Cedar Rapids	NE
Nebraska Bank Spencer Branch	101 N Thayer St	Spencer	NE
Madison County Bank Albion Branch	103 South Fourth Street	Albion	NE
State Nebraska Bank & Trust State Nebraska Bank & Trust Branch	122 Main Street	Wayne	NE
Bank of Prague Bank Of Prague Branch	316 West Center Avenue	Prague	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
Homestead Bank St Paul Branch	619 Grand Street	St. Paul	NE
Riverstone Bank Tri Valley Bank Branch	223 Main Street	Talmage	NE
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	721 Seventh Street	Saint Paul	NE
Lincoln FSB of Nebraska Lincoln Fsb Of Nebraska Branch	1101 N Street	Lincoln	NE
Cedar Security Bank Cedar Security Bank Branch	117 Main Street	Fordyce	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
First Westroads Bank, Inc. First Westroads Bank, Inc. Branch	15750 W Dodge Rd	Omaha	NE
South Central State Bank Oxford Branch	335 Ogden	Oxford	NE
Genoa Community Bank Genoa Community Bank Branch	Willard Avenue And Oak Street	Genoa	NE
Security First Bank Cody Branch	104 East Nebraska Avenue	Cody	NE
I3 Bank Bank Of Bennington Branch	12212 North 156th Street	Bennington	NE
United Republic Bank United Republic Bank Branch	111 North 181st Street	Omaha	NE
Exchange Bank Exchange Bank Branch	14 La Barre	Gibbon	NE
Homestead Bank St Paul Branch	619 Grand Street	St. Paul	NE
Cattle Bank and Trust Cattle Bank And Trust Branch	104 South 5th	Seward	NE
Adams County Bank Adams County Bank Branch	401 N. Smith Avenue	Kenesaw	NE
Custer Federal State Bank Custer Federal State Bank Branch	341 South 10th Avenue	Broken Bow	NE
Platte Valley Bank Minatare Branch	323 Main Street	Minatare	NE
Enterprise Bank Enterprise Bank Branch	12800 West Center Road	Omaha	NE
Homestead Bank St Paul Branch	619 Grand Street	St. Paul	NE
Cornhusker Bank Cornhusker Bank Branch	8310 O Street	Lincoln	NE
FirsTier Bank Firstier Bank Branch	115 South Walnut	Kimball	NE
American Exchange Bank American Exchange Bank Branch	151 North 4th Street	Elmwood	NE
Washington County Bank Washington County Bank Branch	1523 Washington Street	Blair	NE
Nebraska State Bank Nebraska State Bank Branch	301 Prairie Street	Bristow	NE
Pathway Bank Pathway Bank Branch	306 High Street	Cairo	NE
The Potter State Bank of Potter The Potter State Bank Of Potter Branch	Front And Chestnut	Potter	NE
Sidney Federal Savings and Loan Association Sidney Federal Savings And Loan Asso Branch	1045 10th Avenue	Sidney	NE
First Bank and Trust of Fullerton First Bank And Trust Of Fullerton Branch	230 Broadway	Fullerton	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
First State Bank Nebraska De Witt Branch	307 East Fillmore Avenue	De Witt	NE
FirstBank of Nebraska Firstbank Of Nebraska Branch	201 East 5th	Wahoo	NE
JONES BANK The Jones National Bank And Trust Co Branch	203 So. 6th Street	Seward	NE
First Savings Bank Omaha Branch	3540 South 84th Street	Omaha	NE
Dayspring Bank Farmers State Bank Branch	234 S Commercial Ave	Wallace	NE
First Bank of Utica First Bank Of Utica Branch	785 D Street	Utica	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, Dubois Branch	301 Miner Street	Du Bois	NE
MNB BANK Mccook National Bank Branch	220 Norris Avenue	Mccook	NE
First State Bank 620 West Main Street Branch	620 West Main Street	Alma	NE
Adams County Bank Adams County Bank Branch	401 N. Smith Avenue	Kenesaw	NE
Commercial Bank Commercial Bank Branch	Fourth And Main (S.W. Corner)	Nelson	NE
Citizens State Bank Citizens State Bank Branch	209 3rd Street	Carleton	NE
F&M Bank F&M Bank Branch	1701 Stone Street	Falls City	NE
First Nebraska Bank Emerson Branch	1000 Main Street	Emerson	NE
Hershey Bank The Hershey State Bank Branch	100 S. Lincoln Ave	Hershey	NE
Town & Country Bank Town & Country Bank Branch	423 Grand Avenue	Ravenna	NE
Great Plains State Bank Great Plains State Bank Branch	140 Main Street	Petersburg	NE
West Plains Bank West Plains Bank Branch	200 North Main Street	Ainsworth	NE
F&M Bank F&M Bank Branch	204 North Main Street	West Point	NE
Hershey Bank The Hershey State Bank Branch	100 S. Lincoln Ave	Hershey	NE
Columbus Bank and Trust Company Columbus Bank And Trust Company Branch	2501 13th Street	Columbus	NE
Platte Valley Bank Platte Valley Bank Branch	606 Main Street	North Bend	NE
Wahoo State Bank Wahoo State Bank Branch	164 East 5th Street	Wahoo	NE
First State Bank 620 West Main Street Branch	620 West Main Street	Alma	NE
Western National Bank Western National Bank Branch	523 Thayer Avenue	Chester	NE
Frontier Bank Pender State Bank Branch	222 Main Street	Pender	NE
Nebraska State Bank Nebraska State Bank Branch	301 Prairie Street	Bristow	NE
Adams Bank & Trust Imperial Branch	545 Broadway	Imperial	NE
Heartland Bank Heartland Bank - Riverdale Branch	222 Third Avenue	Riverdale	NE
Town & Country Bank Town & Country Bank Branch	423 Grand Avenue	Ravenna	NE
Access Bank Bank Of Nebraska Branch	7223 South 84th Street	La Vista	NE
West Gate Bank West Gate Bank Branch	6003 Old Cheney Road, Suite 100	Lincoln	NE
Stockmens Bank The State Bank Of Bartley Branch	402 Commercial Street	Bartley	NE
West Plains Bank West Plains Bank Branch	200 North Main Street	Ainsworth	NE
Sandhills State Bank Bank Of Keystone Branch	105 Inland Seas	Keystone	NE
First Community Bank Bancroft Branch	N Main Street	Bancroft	NE
Bruning Bank Bruning State Bank Branch	104 Main Street	Bruning	NE
Pathway Bank Pathway Bank Branch	306 High Street	Cairo	NE
Heartland Bank Heartland Bank - Riverdale Branch	222 Third Avenue	Riverdale	NE
York State Bank York State Bank Branch	700 Lincoln Avenue	York	NE
F&M Bank F&M Bank Branch	1701 Stone Street	Falls City	NE
First Northeast Bank of Nebraska Hooper Branch	201 North Main Street	Hooper	NE
RVR Bank First State Bank & Trust Company Branch	1005 East 23rd Street	Fremont	NE
Waypoint Bank Cambridge Br Branch	707 Patterson	Cambridge	NE
Midwest Bank Creighton Branch	606 Main Street	Creighton	NE
F&M Bank F&M Bank Branch	204 North Main Street	West Point	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
Nebraskaland Bank Nebraskaland National Bank Branch	1400 South Dewey	North Platte	NE
Arbor Bank Arbor Bank Branch	911 Central Avenue	Nebraska City	NE
York State Bank York State Bank Branch	700 Lincoln Avenue	York	NE
Thayer County Bank Thayer County Bank Branch	402 Lincoln Avenue	Hebron	NE
Great Southern Bank Fort Calhoun Branch	101 North 14th Street	Fort Calhoun	NE
Midwest Bank Creighton Branch	606 Main Street	Creighton	NE
Nebraska State Bank and Trust Company Nebraska State Bank And Trust Compan Branch	945 South D Street	Broken Bow	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
Premier Bank National Association Premier Bank Branch	16802 Burke Street	Omaha	NE
BankFirst Bankfirst Branch	100 North 13th Street	Norfolk	NE
Five Points Bank of Hastings Five Points Bank Of Hastings Branch	2815 Osborne Drive West	Hastings	NE
Thayer County Bank Thayer County Bank Branch	402 Lincoln Avenue	Hebron	NE
Nebraskaland Bank Nebraskaland National Bank Branch	1400 South Dewey	North Platte	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
BankFirst Bankfirst Branch	100 North 13th Street	Norfolk	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
U.S. Bank National Association David City Branch	490 E Street	David City	NE
Security National Bank of Omaha Security National Bank Of Omaha Branch	1120 South 101st Street	Omaha	NE
Northwest Bank Arbor Street Branch	14320 Arbor Street	Omaha	NE
UMB Bank, National Association Umb Bank, National Association Branch	11808 West Center Road	Omaha	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
Central National Bank Superior Branch	411 North National Street	Superior	NE
U.S. Bank National Association David City Branch	490 E Street	David City	NE
Central National Bank Superior Branch	411 North National Street	Superior	NE
Heritage Bank Stromsburg Bank Branch	200 East Third Street	Stromsburg	NE
First National Bank of Omaha Alliance Branch	124 West Third Street	Alliance	NE
Security National Bank of Omaha Security National Bank Of Omaha Branch	1120 South 101st Street	Omaha	NE

See rates for Online Banks →

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Five-year CDs are the big kahuna of the CD world. While banks may offer six-year, seven-year, or even 10-year CDs, the five-year is the longest of the most commonly offered terms. The 5-year CD is therefore often the highest offer at your local bank. Therefore, the temptation for those looking for yield is to open one, deposit money, and forget about it for five years. This could be a mistake. In rising rate environments a five-year CD may not be a good investment.

Safety

Like every other CD term, five year CDs from FDIC insured banks are protected 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.

Inflation

The principle threat to a a five year CD is inflation. If the CD is opened in a low rate environment, and rates and inflation subsequently rise, then inflation will erode the value of the certificate of deposit over its five years. For example, if a depositor opened a five year CD in year 1 with a yield of 2.05% APY and inflation at 1.5%, then the real return is .55 percentage points. But if inflation rises the next year to 2.5% and stays there for the next four years, then the CD in real terms is losing money every year: 2.05% - 2.5% = -.45%.

While it is impossible for anyone to predict too far into the future, savers should be cognizant of the economic environment before locking up money for a five year time-period. Our rate analysis page provides some insight into where we think rates will go.

On the other hand, if rates are falling and will continue to do so for some time due to an economic recession then it makes sense to lock in a higher rate with a five year CD. Savers who opened five year CDs in 2008 immediately after the financial crisis were able to lock in rates in the 6% range, a great move considering two years later a five year CD paid below 3%.

Interest

Five-year CDs currently pay about 1.00% 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.

Opening a Five Year CD

Opening a five year CD in a branch is relatively easy and similar to every other CD term. Most banks require the customer be a resident of the United States and most branch-based banks ask that the account be opened in the bank. Funding can be performed by transferring money that is already located at that bank or by check or ACH transfer from another bank. The CD can be opened that day and the rate locked.

With longer term CDs, savers should make sure they put a record of the CD in a safe place and that if they move, they forward their new address to the bank. In cases where the bank cannot find the CD holder, the bank may hand the funds over to a state authority as a lost deposit, and it will require onerous paperwork to reclaim the money.

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

5 year CDs provide the highest rate of the common CD terms.
The return is fixed for five years, which is an advantage in a flat or falling rate environment.

Disadvantages of five year CDs

The money is locked away for five years and cannot be withdrawn without a substantial 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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Ralston, Nebraska CD Rates – 5-Year

Branches Info around zip 10116

PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Safety

Inflation

Interest

Opening a Five Year CD

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

Disadvantages of five year CDs

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