Nebraska

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Kearney, Nebraska CD Rates – 6-Month

You are viewing rates from banks across Kearney





Below are the best six-month CD Rates from banks with branches in Kearney, Nebraska . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

Kearney, NE - August 1, 2025

6 Month CD National Average : 0.41% ?

Banks APY MIN MILES ?

Rate History: 4.51% → 4.40% → 4.35% → 4.30% → 4.40%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.40% → 4.35% → 4.00% → 4.15% → 4.40%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35%

| Jun 26, 2020

Rate not current Read More

Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15%

| 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

Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00%

| 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

Rate History: 2.50% → 2.51% → 2.01% → 2.00%

| Feb 6, 2023

after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More

0.50%

$1,000

17.38

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0.45%

$10,000

23.23

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0.41%

$500

17.34

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0.40%

$10,000

23.18

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0.35%

$100,000

17.74

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0.30%

$10,000

24.22

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0.30%

$10,000

0.74

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0.27%

$100,000

1.89

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0.25%

$100,000

1.89

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| 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

0.25%

$10,000

17.74

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0.25%

$10,000

23.63

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0.25%

$10,000

1.86

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0.25%

$10,000

1.89

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| 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

0.20%

$10,000

2.07

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| 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

| 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

0.15%

$10,000

23.08

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0.15%

$10,000

1.89

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| 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

0.04%

$500

1.21

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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 Kearney, NE - August 1, 2025


Branch Street City State
Wells Fargo Bank, National Association
48th Streetmb Branch
4803 2nd Avenue Kearney NE
Minden Exchange Bank & Trust Company
Minden Exchange Bank & Trust Company Branch
448 North Minden Avenue Minden NE
Lincoln FSB of Nebraska
720 4th Avenue Branch
720 4th Avenue Holdrege NE
First Bank and Trust Company
First Bank And Trust Company Branch
315 East 4th Street Minden NE
Home Federal Savings and Loan Association of Grand Island
423 Garfield Branch
423 Garfield Holdrege NE
Town & Country Bank
Pleasanton Branch
102 North Sycamore Street Pleasanton NE
Cornerstone Bank
Wilcox Branch
102 West Sapp Wilcox NE
Five Points Bank
Kearney- 39th Street Branch
1809 W. 39th St. Kearney NE
Farmers and Merchants Bank
Kearney Branch
3015 2nd Avenue Kearney NE
Nebraskaland Bank
North Kearney Branch
4615 2nd Avenue Kearney NE
Heartland Bank
Heartland Bank - Riverdale Branch
222 Third Avenue Riverdale NE
Town & Country Bank
Pleasanton Branch
102 North Sycamore Street Pleasanton NE
FirsTier Bank
Firstier Bank Branch
229 West 4th Avenue Holdrege NE
Exchange Bank
Exchange Bank Branch
3110 2nd Avenue Kearney NE
Farmers and Merchants Bank
Kearney Branch
3015 2nd Avenue Kearney NE
Heritage Bank
Kearney Branch
103 West 25th Street Kearney NE
Heartland Bank
Heartland Bank - Riverdale Branch
222 Third Avenue Riverdale NE
Bruning Bank
Bruning State Bank - Holdrege Branch
1215 Burlington Street Holdrege NE
Nebraskaland Bank
North Kearney Branch
4615 2nd Avenue Kearney NE
U.S. Bank National Association
Kearney Main Branch
204 W. 31st Street Kearney NE
First National Bank of Omaha
17th Avenue Branch
5410 17th Avenue Kearney NE


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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

  • Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
  • The deposited money is committed for six months.
  • Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

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.

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