Best 5-Year CD Rates in Nebraska, NE

You are viewing rates from banks across Nebraska

Below are 5-year CD Rates from banks that are located in 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.

NE - November 17, 2025

5 Year CD National Average : 0.92% ^?

Banks	APY	MIN	MILES ^?
Synchrony Bank	4.00%	$0	-	Learn More Add Review
Rate History: 4.00% → 4.15% → 4.00%
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
Sallie Mae Bank	4.00%	$2,500	-	Learn More
Rate History: 3.80% → 4.00% → 3.80% → 3.90% → 4.00%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
M.Y. Safra Bank	3.91%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.11% → 3.91%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Goldman Sachs Bank	3.90%	$500	-	Learn More Add Review
Rate History: 3.80% → 3.60% → 3.75% → 3.90% → 3.90%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Prime Alliance Bank	3.90%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.75% → 3.25% → 3.75% → 4.00% → 3.90%
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)
TotalDirect, a division of City National Bank of Florida	3.76%	$25,000	-	Learn More Add Review
Rate History: 3.05% → 3.50% → 4.11% → 4.00% → 3.76%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More
Bread Savings, a division of Bread Financial	3.75%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.50% → 3.90% → 4.00% → 3.85% → 3.75%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 3.75% → 3.25% → 3.81% → 3.75% → 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)
Merrick Bank	3.65%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 3.95% → 4.05% → 3.95% → 3.80% → 3.65%
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)
Colorado Federal Savings Bank	3.60%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 Months' Interest. Rate History: 4.35% → 4.00% → 3.80% → 3.60%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
Virtualbank, a division of First Horizon Bank	3.51%	$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	3.50%	$0	-	Learn More Add Review
Rate History: 3.75% → 3.50%
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: 3.50% → 3.40% → 3.50% → 3.60% → 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
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 3.75% → 3.50% → 3.60% → 3.60% → 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
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 3.90% → 3.60% → 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
Vio Bank, A Division of MidFirst Bank	3.50%	$500	-	Learn More Add Review
Rate History: 2.75% → 3.50%
2 Months with Vio Bank \| Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More
CFG Bank	3.50%	$500	-	Learn More
Rate History: 3.65% → 3.75% → 3.50% → 3.60% → 3.50%
richardw9 \| Jan 30, 2025 I found CFG Bank while searching for high APYs and went with them since they consistently offers some of the best rates in the country. I’ve had a great experience with my personal money market account. ... Read More Reviews (60)
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 3.90% → 3.75% → 3.50% → 3.75% → 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)
Seattle Bank	3.50%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.15% → 4.00% → 3.75% → 3.60% → 3.50%
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)
Popular Direct	3.45%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 730 days interest. Rate History: 4.15% → 3.90% → 3.80% → 3.70% → 3.45%
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
First Internet Bank of Indiana	3.45%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 3.67% → 3.65% → 3.97% → 3.56% → 3.45%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
TIAA Bank / Everbank	3.40%	$1,000	-	Learn More Add Review
Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity. Rate History: 3.90% → 3.65% → 3.45% → 3.50% → 3.40%
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
LendingClub	3.40%	$500	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 4.00% → 3.40%
jaydub \| Aug 18, 2025 Sophomoric as hell. I opened a LevelUp account for the 4.40% rate (now 4.20%). Rate requires automatic $250 deposit each month which I made, but I now realized that I never got that rate. Customer servic... Read More Reviews (22)
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.15% → 3.75% → 3.50% → 3.75% → 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)
Northern Bank Direct	3.25%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.25%
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
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 30 months interest. Rate History: 3.50% → 3.00% → 2.50% → 3.00%
Northfield Bank	3.00%	$0	-	Learn More Add Review
Rate History: 3.00% → 2.00% → 3.00% → 2.00% → 3.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
Chesapeake Bank	3.00%	$1,000	-	Learn More Add Review
Rate History: 1.05% → 1.30% → 3.00%
ruler009 \| May 26, 2017 Before009 Read More
Gateway First Bank	2.95%	$500	-	Learn More
Rate History: 2.90% → 3.30% → 2.95%
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)
Citizens	2.75%	$5,000	-	Learn More Add Review
Rate History: 2.75% → 2.75%
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
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)
Ivy Bank, a division of Cambridge Savings Bank	2.50%	$1,000	-	Learn More Add Review
Rate History: 2.60% → 2.50%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
Union Bank and Trust Company Auburn Branch	2.32%	$1,000	-	Learn More
Rate History: 2.27% → 2.32%
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
BMO Alto, a division of Bank of Montreal Harris	2.25%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 3.90% → 3.60% → 2.85% → 2.50% → 2.25%
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
My Savings Direct, a division of Emigrant Bank	2.00%	$1,000	-	Learn More Add Review
Rate History: 3.00% → 2.50% → 2.00%
not perfect but \| Apr 25, 2023 with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More
Dollar Savings Direct, a division of Emigrant Bank	2.00%	$1,000	-	Learn More Add Review
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
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)
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)
OneLocal Bank	1.75%	$1,000	-	Learn More Add Review
Citizens State Bank Spalding 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 Bank Of The Valley 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 Elkhorn Valley Bank & Trust Branch	1.40%	$10,000	-	Learn More Add Review
Security Bank Osmond Branch	1.37%	$10,000	-	Learn More Add Review
Homestead Bank Drive-Thru Schuyler Branch	1.31%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Foundation One Bank North 156th Street 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 Bank Of Paxton 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 Drive-Thru Schuyler Branch	1.26%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
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
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More
Rate History: 2.50% → 1.50% → 1.25%
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)
Cedar Rapids State Bank Cedar Rapids State Bank Branch	1.25%	$1,000	-	Learn More Add Review
Farmers State Bank Bridgeport Branch	1.25%	$10,000	-	Learn More Add Review
Madison County Bank Norfolk 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 Nebraska Home State Bank Branch	1.21%	$10,000	-	Learn More Add Review
Homestead Bank Drive-Thru Schuyler 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 720 4th Avenue Branch	1.20%	$10,000	-	Learn More Add Review
Cedar Security Bank Wynot Branch	1.16%	$1,000	-	Learn More Add Review
Pinnacle Bank Nebraska Home State Bank Branch	1.15%	$10,000	-	Learn More Add Review
First Westroads Bank, Inc. Westroads Branch	1.15%	$10,000	-	Learn More Add Review
South Central State Bank South Central State Bank 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 Harrison Branch	1.10%	$10,000	-	Learn More Add Review
Bank of Bennington 2433 Silver Street 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 Drive-Thru Schuyler Branch	1.10%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Cattle Bank and Trust Village Gardens 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 Plaza Branch	1.05%	$10,000	-	Learn More Add Review
Enterprise Bank Regency Parkway Branch	1.05%	$10,000	-	Learn More Add Review
Homestead Bank Drive-Thru Schuyler Branch	1.05%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Cornhusker Bank Apples Way 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 of Elmwood Elmwood Branch	1.01%	$10,000	-	Learn More Add Review
Washington County Bank Washington County Bank - Washington 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 Nebraska Home State Bank 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 Syracuse Branch	1.00%	$10,000	-	Learn More Add Review
JONES BANK Milford 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 Mullen 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, Pawnee City Branch	1.00%	$10,000	-	Learn More Add Review
MNB BANK Stratton Branch	1.00%	$10,000	-	Learn More Add Review
First State Bank of Loomis, Nebraska 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
Bank of Montreal Harris	1.00%	$1,000	-	Learn More Add Review
GAM \| Jul 28, 2020 Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More
First Nebraska Bank Brainard Branch	0.95%	$10,000	-	Learn More Add Review
The Hershey State Bank Hershey State Bank, North Platte 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 Wayne Branch	0.90%	$100,000	-	Learn More Add Review
The Hershey State Bank Hershey State Bank, North Platte 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 314 5th Street Branch	0.90%	$10,000	-	Learn More Add Review
First State Bank of Loomis, Nebraska 620 West Main Street Branch	0.90%	$10,000	-	Learn More Add Review
Western National Bank Byron State Bank Branch	0.90%	$10,000	-	Learn More Add Review
Frontier Bank Frontier Bank Lincoln Branch (Glynoa	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 Chappell Branch	0.85%	$10,000	-	Learn More Add Review
Heartland Bank Heartland Bank 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 Access Bank 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 Eagle Crest 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 North Platte Branch	0.80%	$500	-	Learn More Add Review
First Community Bank of Beemer, Nebraska Bancroft Branch	0.80%	$10,000	-	Learn More Add Review
Bruning Bank Bank Of Broken Bow, A Branch Of 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 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 Detached Tellers' 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 Uehling Branch	0.75%	$10,000	-	Learn More Add Review
First State Bank & Trust Company Walmart Office Branch	0.75%	$10,000	-	Learn More Add Review
Waypoint Bank Waypoint Bank Branch	0.75%	$10,000	-	Learn More Add Review
Midwest Bank National Association Deshler Branch	0.70%	$100,000	-	Learn More Add Review
F&M Bank Wayne Branch	0.70%	$10,000	-	Learn More Add Review
Pinnacle Bank Nebraska Home State Bank Branch	0.70%	$10,000	-	Learn More Add Review
NebraskaLand National Bank S. Dewey 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 Detached Tellers' 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 Bellevue Branch	0.65%	$250	-	Learn More Add Review
Midwest Bank National Association Deshler Branch	0.60%	$10,000	-	Learn More Add Review
Nebraska State Bank and Trust Company Merna Branch	0.60%	$10,000	-	Learn More Add Review
Pinnacle Bank Nebraska Home State Bank Branch	0.60%	$10,000	-	Learn More Add Review
Premier Bank Premier Bank - Nebraska City Branch	0.60%	$10,000	-	Learn More Add Review
BankFirst Drive-In Facility Branch	0.59%	$100,000	-	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)
MutualOne Bank	0.55%	$0	-	Learn More
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
Thayer County Bank Thayer County Bank Branch	0.51%	$10,000	-	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
NebraskaLand National Bank S. Dewey Branch	0.50%	$10,000	-	Learn More Add Review
Pinnacle Bank Nebraska Home State Bank Branch	0.50%	$10,000	-	Learn More Add Review
BankFirst Drive-In Facility Branch	0.49%	$10,000	-	Learn More Add Review
Pinnacle Bank Nebraska Home State Bank Branch	0.40%	$10,000	-	Learn More Add Review
U.S. Bank National Association 10th & Norfolk 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 Cass Street Branch	0.35%	$100,000	-	Learn More Add Review
Northwest Bank La Vista Branch	0.35%	$10,000	-	Learn More Add Review
Pinnacle Bank Nebraska Home State Bank Branch	0.30%	$500	-	Learn More Add Review
Central National Bank Mortgage Department Branch	0.30%	$50,000	-	Learn More Add Review
WebBank	0.25%	$2,500	-	Learn More
dbestway@gmail.com \| Aug 13, 2019 I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More Reviews (2)
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
Jeff Talmage \| Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More
Central National Bank Mortgage Department Branch	0.20%	$10,000	-	Learn More Add Review
Heritage Bank St. Paul Branch	0.20%	$10,000	-	Learn More Add Review
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
Rate History: 0.15% → 0.01% → 0.15%
First National Bank of Omaha 17th Avenue Branch	0.12%	$500	-	Learn More Add Review
Security National Bank of Omaha Cass Street Branch	0.10%	$10,000	-	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
Union Bank and Trust Company Auburn Branch	1301 J Street	Auburn	NE
Citizens State Bank Spalding Branch	121 North Chestnut Street	Spalding	NE
Henderson State Bank Henderson State Bank Branch	627 Lincoln Avenue	York	NE
Bank of the Valley Bank Of The Valley Branch	404 State Street	Bellwood	NE
Dundee Bank Dundee Branch	5015 Underwood Avenue	Omaha	NE
Flatwater Bank Gothenburg State Bank Branch	900 Lake	Gothenburg	NE
Elkhorn Valley Bank & Trust Elkhorn Valley Bank & Trust Branch	800 West Benjamin Avenue	Norfolk	NE
Security Bank Osmond Branch	321 N State Street	Osmond	NE
Homestead Bank Drive-Thru Schuyler Branch	715 West Sixteenth Street	Schuyler	NE
Foundation One Bank North 156th Street Branch	4141 North 156th Street	Omaha	NE
Brunswick State Bank Brunswick State Bank Branch	226 2nd St	Brunswick	NE
Western Nebraska Bank Bank Of Paxton Branch	203 North Oak Street	Paxton	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 Drive-Thru Schuyler Branch	715 West Sixteenth Street	Schuyler	NE
Cedar Rapids State Bank Cedar Rapids State Bank Branch	213 W Main St	Cedar Rapids	NE
Nebraska Bank Bridgeport Branch	823 Main Street	Bridgeport	NE
Madison County Bank Norfolk Branch	2100 Pasewalk Avenue	Norfolk	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 Nebraska Home State Bank Branch	218 Main Street	Louisville	NE
Homestead Bank Drive-Thru Schuyler Branch	715 West Sixteenth Street	Schuyler	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 720 4th Avenue Branch	720 4th Avenue	Holdrege	NE
Cedar Security Bank Wynot Branch	411 St James Ave	Wynot	NE
Pinnacle Bank Nebraska Home State Bank Branch	218 Main Street	Louisville	NE
First Westroads Bank, Inc. Westroads Branch	612 N. 98th Street	Omaha	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
Security First Bank Harrison Branch	289 Main Street	Harrison	NE
I3 Bank 2433 Silver Street Branch	2433 Silver Street	Ashland	NE
United Republic Bank United Republic Bank Branch	111 North 181st Street	Omaha	NE
Exchange Bank Exchange Bank Branch	7655 Pioneers Blvd	Lincoln	NE
Homestead Bank Drive-Thru Schuyler Branch	715 West Sixteenth Street	Schuyler	NE
Cattle Bank and Trust Village Gardens Branch	5800 Hidcote Ave., Suite 106	Lincoln	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 Plaza Branch	710 Avenue B	Scottsbluff	NE
Enterprise Bank Regency Parkway Branch	210 Regency Parkway	Omaha	NE
Homestead Bank Drive-Thru Schuyler Branch	715 West Sixteenth Street	Schuyler	NE
Cornhusker Bank Apples Way Branch	6100 Apple's Way	Lincoln	NE
FirsTier Bank Firstier Bank Branch	222 North Tyler Street	Elm Creek	NE
American Exchange Bank of Elmwood Elmwood Branch	440 D Street	Eagle	NE
Washington County Bank Washington County Bank - Washington Branch	303 South 13th Street	Tekamah	NE
Nebraska State Bank Nebraska State Bank Branch	301 Prairie Street	Bristow	NE
Pathway Bank Pathway Bank Branch	817 H Street	Burwell	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 Nebraska Home State Bank Branch	218 Main Street	Louisville	NE
First State Bank Nebraska De Witt Branch	307 East Fillmore Avenue	De Witt	NE
FirstBank of Nebraska Syracuse Branch	320 Fifth St	Syracuse	NE
JONES BANK Milford Branch	807 Fifth Street	Milford	NE
First Savings Bank Omaha Branch	3540 South 84th Street	Omaha	NE
Dayspring Bank Mullen Branch	101 Northwest First	Mullen	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, Pawnee City Branch	650 G Street	Pawnee City	NE
MNB BANK Stratton Branch	Bailey Street	Stratton	NE
First State Bank of Loomis, Nebraska 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 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
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 Wayne Branch	321 Main	Wayne	NE
Hershey Bank Hershey State Bank, North Platte Branch	301 East Philip Avenue	North Platte	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 314 5th Street Branch	314 5th Street	Wahoo	NE
First State Bank of Loomis, Nebraska 620 West Main Street Branch	620 West Main Street	Alma	NE
Western National Bank Byron State Bank Branch	115 Kansas Avenue	Byron	NE
Frontier Bank Frontier Bank Lincoln Branch (Glynoa	8380 Glynoaks Drive	Lincoln	NE
Nebraska State Bank Nebraska State Bank Branch	301 Prairie Street	Bristow	NE
Adams Bank & Trust Chappell Branch	641 2nd Street	Chappell	NE
Heartland Bank Heartland Bank Branch	896 G Street	Geneva	NE
Town & Country Bank Town & Country Bank Branch	423 Grand Avenue	Ravenna	NE
Access Bank Access Bank Branch	8712 West Dodge Road	Omaha	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
West Plains Bank West Plains Bank Branch	200 North Main Street	Ainsworth	NE
Sandhills State Bank North Platte Branch	203 South Dewey Street	North Platte	NE
First Community Bank of Beemer, Nebraska Bancroft Branch	N Main Street	Bancroft	NE
Bruning Bank Bank Of Broken Bow, A Branch Of Bruning State Bank Branch	803 South D Street	Broken Bow	NE
Pathway Bank Pathway Bank Branch	817 H Street	Burwell	NE
Heartland Bank Heartland Bank Branch	896 G Street	Geneva	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
First Northeast Bank of Nebraska Uehling Branch	423 Main Street	Uehling	NE
RVR Bank Walmart Office Branch	3010 East 23rd Avenue North	Fremont	NE
Waypoint Bank Waypoint Bank Branch	747 Meridian	Cozad	NE
Midwest Bank Deshler Branch	701 4th St	Deshler	NE
F&M Bank Wayne Branch	321 Main	Wayne	NE
Pinnacle Bank Nebraska Home State Bank Branch	218 Main Street	Louisville	NE
Nebraskaland Bank S. Dewey Branch	1400 S. Dewey Street	North Platte	NE
Arbor Bank Arbor Bank Branch	911 Central Avenue	Nebraska City	NE
York State Bank Detached Tellers' Branch	729 Lincoln Avenue	York	NE
Thayer County Bank Thayer County Bank Branch	402 Lincoln Avenue	Hebron	NE
Great Southern Bank Bellevue Branch	7001 South 36th Street	Bellevue	NE
Midwest Bank Deshler Branch	701 4th St	Deshler	NE
Nebraska State Bank and Trust Company Merna Branch	Center Avenue And Highway 92	Merna	NE
Pinnacle Bank Nebraska Home State Bank Branch	218 Main Street	Louisville	NE
Premier Bank National Association Premier Bank - Nebraska City Branch	202 South Eighth Street	Nebraska City	NE
BankFirst Drive-In Facility Branch	920 South 13th Street	Norfolk	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
Nebraskaland Bank S. Dewey Branch	1400 S. Dewey Street	North Platte	NE
Pinnacle Bank Nebraska Home State Bank Branch	218 Main Street	Louisville	NE
BankFirst Drive-In Facility Branch	920 South 13th Street	Norfolk	NE
Pinnacle Bank Nebraska Home State Bank Branch	218 Main Street	Louisville	NE
U.S. Bank National Association 10th & Norfolk Branch	909 Norfolk Avenue	Norfolk	NE
Security National Bank of Omaha Cass Street Branch	7805 Cass Street	Omaha	NE
Northwest Bank La Vista Branch	9719 Giles Rd	La Vista	NE
Pinnacle Bank Nebraska Home State Bank Branch	218 Main Street	Louisville	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
Central National Bank Mortgage Department Branch	P.O. Box 268	Superior	NE
Heritage Bank St. Paul Branch	821 2nd Street	St. Paul	NE
First National Bank of Omaha 17th Avenue Branch	5410 17th Avenue	Kearney	NE
Security National Bank of Omaha Cass Street Branch	7805 Cass Street	Omaha	NE

See rates for Online Banks →

See rates for Credit Unions →

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

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in Nebraska

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

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

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Nebraska

Download a Free eBook