Best CD Rates in Nebraska, NE

You are viewing rates from banks across Nebraska

Below are the best one-year CD Rates from banks in Nebraska. One-year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

NE - July 5, 2025

1 Year CD National Average : 0.55% ^?

Banks	APY	MIN	MILES ^?
Commercial State Bank	4.40%	$1,000	-	Learn More Add Review
Rate History: 4.75% → 5.15% → 5.40% → 5.30% → 4.40%
Merrick Bank	4.35%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.35% → 4.25% → 4.05% → 4.35%
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)
Seattle Bank	4.10%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 5.00% → 5.00% → 4.55% → 4.30% → 4.10%
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)
Capital One, National Association	4.00%	$0	-	Learn More
Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00%
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)
Ivy Bank	4.00%	$1,000	-	Learn More Add Review
Rate History: 5.00% → 4.60% → 4.20% → 4.35% → 4.00%
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
Forbright Bank	4.00%	$1,000	-	Learn More
Rate History: 5.30% → 5.10% → 5.30% → 4.25% → 4.00%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More Reviews (2)
First Foundation Bank	3.90%	$2,500	-	Learn More
Rate History: 4.85% → 4.60% → 4.25% → 4.00% → 3.90%
james \| Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More Reviews (32)
Gateway First Bank	3.90%	$500	-	Learn More
Rate History: 4.30% → 3.90%
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)
Bank of Whittier, National Association	3.82%	$1,000	-	Learn More Add Review
Banesco USA	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.15% → 5.15% → 4.50% → 4.20% → 3.80%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Blue Foundry Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 4.50% → 4.00% → 3.75%
Hingham Institution for Savings	3.54%	$1,000	-	Learn More Add Review
Rate History: 3.85% → 3.64% → 3.54%
TD Bank, National Association	3.51% 0.05%	$10,000 $10,001	-	Learn More
Rate History: 4.00% → 4.50% → 4.00% → 3.75% → 3.51%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Citizens	3.50%	$5,000	-	Learn More
Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Bank of America, National Association	3.25%	$100,000	-	Learn More
Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%
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)
Citibank, National Association	3.00%	$0	-	Learn More
Rate History: 2.75% → 2.00% → 4.00% → 2.50% → 3.00%
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)
USAA Federal Savings Bank	2.05%	$1,000	-	Learn More
Rate History: 4.85% → 4.40% → 4.25% → 3.00% → 2.05%
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)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 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)
Wells Fargo Bank, National Association	2.00%	$25,000	-	Learn More
Rate History: 2.00% → 1.50% → 3.25% → 2.00%
Thy King \| 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 Reviews (7)
Bank of Dixon County	1.10%	$10,000	-	Learn More Add Review
Western Nebraska Bank	1.00%	$10,000	-	Learn More Add Review
The Tri-County Bank	1.00%	$10,000	-	Learn More Add Review
Elkhorn Valley Bank & Trust	1.00%	$10,000	-	Learn More Add Review
Tri Valley Bank	0.96%	$10,000	-	Learn More Add Review
State Bank of Scotia	0.95%	$50,001	-	Learn More Add Review
Madison County Bank	0.90%	$10,000	-	Learn More Add Review
Stanton State Bank	0.90%	$10,000	-	Learn More Add Review
Bank of Hartington	0.85%	$10,000	-	Learn More Add Review
State Bank of Scotia	0.85%	$1,000	-	Learn More Add Review
Citizens State Bank	0.85%	$10,000	-	Learn More Add Review
Farmers State Bank	0.80%	$10,000	-	Learn More Add Review
Pinnacle Bank	0.80%	$10,000	-	Learn More Add Review
Brunswick State Bank	0.80%	$1,000	-	Learn More Add Review
Bank of Lindsay	0.80%	$100	-	Learn More Add Review
Foundation One Bank	0.80%	$10,000	-	Learn More Add Review
Adams County Bank	0.80%	$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)
Homestead Bank	0.75%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Farmers and Merchants Bank	0.75%	$500	-	Learn More Add Review
Henderson State Bank	0.75%	$10,000	-	Learn More Add Review
Nebraska Bank of Commerce	0.75%	$10,000	-	Learn More Add Review
State Bank of Table Rock	0.75%	$10,000	-	Learn More Add Review
The Bank of Steinauer	0.75%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company	0.70%	$1,000	-	Learn More Add Review
Homestead Bank	0.70%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Minden Exchange Bank & Trust Company	0.70%	$500	-	Learn More Add Review
Bank of Elgin	0.70%	$10,000	-	Learn More Add Review
First State Bank	0.70%	$10,000	-	Learn More Add Review
Citizens State Bank	0.70%	$10,000	-	Learn More Add Review
Custer Federal State Bank	0.70%	$100,000	-	Learn More Add Review
Bank of Lewellen	0.70%	$100,000	-	Learn More Add Review
Bank of Prague	0.70%	$10,000	-	Learn More Add Review
FirstBank of Nebraska	0.70%	$10,000	-	Learn More Add Review
City Bank & Trust Co.	0.70%	$100,000	-	Learn More Add Review
Countryside Bank	0.70%	$10,000	-	Learn More Add Review
Adams County Bank	0.70%	$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)
Pathway Bank	0.69%	$100,000	-	Learn More Add Review
Custer Federal State Bank	0.65%	$10,000	-	Learn More Add Review
Cedar Rapids State Bank	0.65%	$1,000	-	Learn More Add Review
Nebraska State Bank	0.65%	$100,000	-	Learn More Add Review
First National Bank in Ord	0.65%	$100,000	-	Learn More Add Review
Cornerstone Bank	0.65%	$10,000	-	Learn More Add Review
Scribner Bank	0.65%	$100,000	-	Learn More Add Review
First State Bank Nebraska	0.65%	$10,000	-	Learn More Add Review
Enterprise Bank	0.65%	$10,000	-	Learn More Add Review
Exchange Bank	0.65%	$10,000	-	Learn More Add Review
Cornhusker Bank	0.65%	$10,000	-	Learn More Add Review
First Central Bank	0.65%	$10,000	-	Learn More Add Review
First Central Bank McCook	0.65%	$10,000	-	Learn More Add Review
Security Bank	0.62%	$10,000	-	Learn More Add Review
First Community Bank	0.60%	$10,000	-	Learn More Add Review
Cedar Security Bank	0.60%	$1,000	-	Learn More Add Review
Bank of Lewellen	0.60%	$10,000	-	Learn More Add Review
FirsTier Bank	0.60%	$10,000	-	Learn More Add Review
First Bank and Trust of Fullerton	0.60%	$10,000	-	Learn More Add Review
Wahoo State Bank	0.60%	$10,000	-	Learn More Add Review
First State Bank	0.60%	$10,000	-	Learn More Add Review
First Nebraska Bank	0.55%	$10,000	-	Learn More Add Review
Adams Bank & Trust	0.55%	$10,000	-	Learn More Add Review
Town & Country Bank	0.55%	$100,000	-	Learn More Add Review
Bank of Clarks	0.55%	$10,000	-	Learn More Add Review
Homestead Bank	0.55%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Scribner Bank	0.55%	$10,000	-	Learn More Add Review
City Bank & Trust Co.	0.55%	$10,000	-	Learn More Add Review
South Central State Bank	0.55%	$10,000	-	Learn More Add Review
The First National Bank of Johnson	0.55%	$10,000	-	Learn More Add Review
Butte State Bank	0.51%	$100,000	-	Learn More Add Review
First Bank and Trust Company	0.51%	$500	-	Learn More Add Review
Great Plains State Bank	0.50%	$10,000	-	Learn More Add Review
Pinnacle Bank - Wyoming	0.50%	$10,000	-	Learn More Add Review
Flatwater Bank	0.50%	$500	-	Learn More Add Review
American Exchange Bank	0.50%	$10,000	-	Learn More Add Review
State Nebraska Bank & Trust	0.50%	$10,000	-	Learn More Add Review
CHARTER WEST BANK	0.50%	$10,000	-	Learn More Add Review
Lincoln FSB of Nebraska	0.50%	$10,000	-	Learn More Add Review
Platte Valley Bank	0.50%	$10,000	-	Learn More Add Review
Bank of the Valley	0.50%	$10,000	-	Learn More Add Review
Columbus Bank and Trust Company	0.50%	$100,000	-	Learn More Add Review
Homestead Bank	0.50%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Platte Valley Bank	0.50%	$10,000	-	Learn More Add Review
JONES BANK	0.50%	$10,000	-	Learn More Add Review
Bank of Bennington	0.50%	$10,000	-	Learn More Add Review
Access Bank	0.50%	$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)
Home Federal Savings and Loan Association of Grand Island	0.50%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank	0.50%	$100,000	-	Learn More Add Review
First State Bank	0.50%	$100,000	-	Learn More Add Review
Western National Bank	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Johnson	0.50%	$100,000	-	Learn More Add Review
BankFirst	0.49%	$100,000	-	Learn More Add Review
Stockmens Bank	0.48%	$10,000	-	Learn More Add Review
Frontier Bank	0.45%	$500	-	Learn More Add Review
Butte State Bank	0.45%	$10,000	-	Learn More Add Review
Nebraska State Bank	0.45%	$10,000	-	Learn More Add Review
The Hershey State Bank	0.45%	$100,000	-	Learn More Add Review
Pathway Bank	0.45%	$10,000	-	Learn More Add Review
Town & Country Bank	0.45%	$10,000	-	Learn More Add Review
First State Bank & Trust Company	0.45%	$10,000	-	Learn More Add Review
United Republic Bank	0.45%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank	0.45%	$10,000	-	Learn More Add Review
Cattle Bank and Trust	0.45%	$10,000	-	Learn More Add Review
Commercial Bank	0.45%	$10,000	-	Learn More Add Review
F&M Bank	0.45%	$100,000	-	Learn More Add Review
First Northeast Bank of Nebraska	0.40%	$10,000	-	Learn More Add Review
Five Points Bank of Hastings	0.40%	$500	-	Learn More
Marie50 \| Feb 19, 2023 Does five point bank of Hastings cash a check through atm Read More Reviews (1)
West Plains Bank	0.40%	$100,000	-	Learn More Add Review
Sandhills State Bank	0.40%	$500	-	Learn More Add Review
Bruning Bank	0.40%	$10,000	-	Learn More Add Review
First National Bank in Ord	0.40%	$10,000	-	Learn More Add Review
The Potter State Bank of Potter	0.40%	$10,000	-	Learn More Add Review
Premier Bank	0.40%	$10,000	-	Learn More Add Review
Five Points Bank	0.40%	$10,000	-	Learn More Add Review
First Bank of Utica	0.40%	$10,000	-	Learn More Add Review
First State Bank	0.40%	$10,000	-	Learn More Add Review
Thayer County Bank	0.40%	$100,000	-	Learn More Add Review
Tecumseh Federal Bank	0.40%	$10,000	-	Learn More Add Review
Arbor Bank	0.38%	$10,000	-	Learn More Add Review
F&M Bank	0.35%	$100,000	-	Learn More Add Review
Pinnacle Bank	0.35%	$10,000	-	Learn More Add Review
Heartland Bank	0.35%	$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)
Farmers and Merchants Bank of Ashland	0.35%	$10,000	-	Learn More Add Review
First Savings Bank	0.35%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
West Gate Bank	0.35%	$10,000	-	Learn More Add Review
York State Bank	0.35%	$100,000	-	Learn More Add Review
MNB BANK	0.35%	$10,000	-	Learn More Add Review
Dundee Bank	0.30%	$500	-	Learn More Add Review
Security First Bank	0.30%	$10,000	-	Learn More Add Review
West Plains Bank	0.30%	$10,000	-	Learn More Add Review
Great Southern Bank	0.30%	$250	-	Learn More Add Review
Washington County Bank	0.30%	$10,000	-	Learn More Add Review
The Hershey State Bank	0.30%	$10,000	-	Learn More Add Review
NebraskaLand National Bank	0.30%	$100,000	-	Learn More Add Review
Heartland Bank	0.30%	$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)
Columbus Bank and Trust Company	0.30%	$10,000	-	Learn More Add Review
First Westroads Bank, Inc.	0.30%	$10,000	-	Learn More Add Review
UMB Bank, National Association	0.30%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Waypoint Bank	0.30%	$10,000	-	Learn More Add Review
Pinnacle Bank	0.30%	$10,000	-	Learn More Add Review
York State Bank	0.30%	$10,000	-	Learn More Add Review
BankFirst	0.29%	$10,000	-	Learn More Add Review
Pinnacle Bank	0.25%	$500	-	Learn More Add Review
Genoa Community Bank	0.25%	$500	-	Learn More Add Review
Security National Bank of Omaha	0.25%	$100,000	-	Learn More Add Review
F&M Bank	0.25%	$10,000	-	Learn More Add Review
Central National Bank	0.20%	$50,000	-	Learn More Add Review
Astra Bank	0.20%	$500	-	Learn More Add Review
Midwest Bank National Association	0.20%	$100,000	-	Learn More Add Review
Pinnacle Bank	0.20%	$10,000	-	Learn More Add Review
Heritage Bank	0.20%	$10,000	-	Learn More Add Review
Nebraska State Bank and Trust Company	0.20%	$10,000	-	Learn More Add Review
NebraskaLand National Bank	0.20%	$10,000	-	Learn More Add Review
Midwest Bank National Association	0.15%	$10,000	-	Learn More Add Review
Central National Bank	0.15%	$10,000	-	Learn More Add Review
F&M Bank	0.15%	$10,000	-	Learn More Add Review
Sidney Federal Savings and Loan Association	0.15%	$10,000	-	Learn More Add Review
Northwest Bank	0.15%	$10,000	-	Learn More Add Review
Security National Bank of Omaha	0.10%	$10,000	-	Learn More Add Review
Pinnacle Bank	0.10%	$10,000	-	Learn More Add Review
First National Bank of Omaha	0.06%	$500	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
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)
U.S. Bank National Association	0.05%	$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)
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)

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

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

Certificates of Deposit - Branch Banks 2025

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

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.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch 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 branch-based CDs are:

The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

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

Certificates of Deposit - Branch Banks 2025

CD Terms

CD Risk

How Interest is Paid

Interest Rate

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

The disadvantages of branch-based CDs are:

SAVINGS & CD CALCULATOR

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