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 12, 2025

1 Year CD National Average : 0.55% ^?

Banks	APY	MIN	MILES ^?
Commercial State Bank Nebraska City Branch	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 Second Street Branch	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 412 Main Street Branch	1.10%	$10,000	-	Learn More Add Review
Western Nebraska Bank Bank Of Paxton Branch	1.00%	$10,000	-	Learn More Add Review
The Tri-County Bank The Tri-County Bank - Atkinson Branc Branch	1.00%	$10,000	-	Learn More Add Review
Elkhorn Valley Bank & Trust Elkhorn Valley Bank & Trust Branch	1.00%	$10,000	-	Learn More Add Review
Tri Valley Bank Tri Valley Bank Branch	0.96%	$10,000	-	Learn More Add Review
State Bank of Scotia State Bank Of Scotia Branch	0.95%	$50,001	-	Learn More Add Review
Madison County Bank Norfolk Branch	0.90%	$10,000	-	Learn More Add Review
Stanton State Bank Stanton State Bank Branch	0.90%	$10,000	-	Learn More Add Review
Bank of Hartington 304 North Broadway Branch	0.85%	$10,000	-	Learn More Add Review
State Bank of Scotia State Bank Of Scotia Branch	0.85%	$1,000	-	Learn More Add Review
Citizens State Bank Citizens State Bank Branch	0.85%	$10,000	-	Learn More Add Review
Farmers State Bank Bridgeport Branch	0.80%	$10,000	-	Learn More Add Review
Pinnacle Bank Home State Bank Branch	0.80%	$10,000	-	Learn More Add Review
Brunswick State Bank Brunswick State Bank Branch	0.80%	$1,000	-	Learn More Add Review
Bank of Lindsay Bank Of Lindsay Branch	0.80%	$100	-	Learn More Add Review
Foundation One Bank North 156th Street Branch	0.80%	$10,000	-	Learn More Add Review
Adams County Bank Adams County Bank Branch	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 Drive-Thru Schuyler Branch	0.75%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Farmers and Merchants Bank Farmers And Merchants Bank Branch	0.75%	$500	-	Learn More Add Review
Henderson State Bank Henderson State Bank Branch	0.75%	$10,000	-	Learn More Add Review
Nebraska Bank of Commerce Nebraska Bank Of Commerce Branch	0.75%	$10,000	-	Learn More Add Review
State Bank of Table Rock State Bank Of Table Rock, Pawnee City Branch	0.75%	$10,000	-	Learn More Add Review
The Bank of Steinauer The Bank Of Steinauer Branch	0.75%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	0.70%	$1,000	-	Learn More Add Review
Homestead Bank Drive-Thru Schuyler Branch	0.70%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Minden Exchange Bank & Trust Company Minden Exchange Bank & Trust Company Branch	0.70%	$500	-	Learn More Add Review
Bank of Elgin Bank Of Elgin Branch	0.70%	$10,000	-	Learn More Add Review
First State Bank First State Bank Branch	0.70%	$10,000	-	Learn More Add Review
Citizens State Bank Spalding Branch	0.70%	$10,000	-	Learn More Add Review
Custer Federal State Bank Custer Federal State Bank Branch	0.70%	$100,000	-	Learn More Add Review
Bank of Lewellen Bank Of Lewellen Branch	0.70%	$100,000	-	Learn More Add Review
Bank of Prague Bank Of Prague Branch	0.70%	$10,000	-	Learn More Add Review
FirstBank of Nebraska Syracuse Branch	0.70%	$10,000	-	Learn More Add Review
City Bank & Trust Co. City Bank & Trust Company Branch	0.70%	$100,000	-	Learn More Add Review
Countryside Bank Countryside Bank Branch	0.70%	$10,000	-	Learn More Add Review
Adams County Bank Adams County Bank Branch	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 Pathway Bank Branch	0.69%	$100,000	-	Learn More Add Review
Custer Federal State Bank Custer Federal State Bank Branch	0.65%	$10,000	-	Learn More Add Review
Cedar Rapids State Bank Cedar Rapids State Bank Branch	0.65%	$1,000	-	Learn More Add Review
Nebraska State Bank Nebraska State Bank Branch	0.65%	$100,000	-	Learn More Add Review
First National Bank in Ord First National Bank In Ord Branch	0.65%	$100,000	-	Learn More Add Review
Cornerstone Bank North Loup Valley Branch	0.65%	$10,000	-	Learn More Add Review
Scribner Bank Scribner Bank Branch	0.65%	$100,000	-	Learn More Add Review
First State Bank Nebraska De Witt Branch	0.65%	$10,000	-	Learn More Add Review
Enterprise Bank Regency Parkway Branch	0.65%	$10,000	-	Learn More Add Review
Exchange Bank Exchange Bank Branch	0.65%	$10,000	-	Learn More Add Review
Cornhusker Bank Apples Way Branch	0.65%	$10,000	-	Learn More Add Review
First Central Bank First Central Bank Branch	0.65%	$10,000	-	Learn More Add Review
First Central Bank McCook First Central Bank Mccook Branch	0.65%	$10,000	-	Learn More Add Review
Security Bank Osmond Branch	0.62%	$10,000	-	Learn More Add Review
First Community Bank Bancroft Branch	0.60%	$10,000	-	Learn More Add Review
Cedar Security Bank Wynot Branch	0.60%	$1,000	-	Learn More Add Review
Bank of Lewellen Bank Of Lewellen Branch	0.60%	$10,000	-	Learn More Add Review
FirsTier Bank Firstier Bank Branch	0.60%	$10,000	-	Learn More Add Review
First Bank and Trust of Fullerton First Bank And Trust Of Fullerton Branch	0.60%	$10,000	-	Learn More Add Review
Wahoo State Bank 314 5th Street Branch	0.60%	$10,000	-	Learn More Add Review
First State Bank Mullen Branch	0.60%	$10,000	-	Learn More Add Review
First Nebraska Bank Brainard Branch	0.55%	$10,000	-	Learn More Add Review
Adams Bank & Trust Chappell Branch	0.55%	$10,000	-	Learn More Add Review
Town & Country Bank Town & Country Bank Branch	0.55%	$100,000	-	Learn More Add Review
Bank of Clarks Farmers State Bank Of Silver Creek B Branch	0.55%	$10,000	-	Learn More Add Review
Homestead Bank Drive-Thru Schuyler Branch	0.55%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Scribner Bank Scribner Bank Branch	0.55%	$10,000	-	Learn More Add Review
City Bank & Trust Co. City Bank & Trust Company Branch	0.55%	$10,000	-	Learn More Add Review
South Central State Bank South Central State Bank Branch	0.55%	$10,000	-	Learn More Add Review
The First National Bank of Johnson Auburn Branch	0.55%	$10,000	-	Learn More Add Review
Butte State Bank Butte State Bank Branch	0.51%	$100,000	-	Learn More Add Review
First Bank and Trust Company First Bank And Trust Company Branch	0.51%	$500	-	Learn More Add Review
Great Plains State Bank Great Plains State Bank Branch	0.50%	$10,000	-	Learn More Add Review
Pinnacle Bank - Wyoming Mitchell Branch	0.50%	$10,000	-	Learn More Add Review
Flatwater Bank Gothenburg State Bank Branch	0.50%	$500	-	Learn More Add Review
American Exchange Bank Elmwood Branch	0.50%	$10,000	-	Learn More Add Review
State Nebraska Bank & Trust State Nebraska Bank & Trust Branch	0.50%	$10,000	-	Learn More Add Review
CHARTER WEST BANK Pender Branch	0.50%	$10,000	-	Learn More Add Review
Lincoln FSB of Nebraska 720 4th Avenue Branch	0.50%	$10,000	-	Learn More Add Review
Platte Valley Bank Plaza Branch	0.50%	$10,000	-	Learn More Add Review
Bank of the Valley Bank Of The Valley Branch	0.50%	$10,000	-	Learn More Add Review
Columbus Bank and Trust Company Columbus Bank And Trust Company Branch	0.50%	$100,000	-	Learn More Add Review
Homestead Bank Drive-Thru Schuyler Branch	0.50%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Platte Valley Bank Platte Valley Bank Branch	0.50%	$10,000	-	Learn More Add Review
JONES BANK Milford Branch	0.50%	$10,000	-	Learn More Add Review
Bank of Bennington 2433 Silver Street Branch	0.50%	$10,000	-	Learn More Add Review
Access Bank Access Bank Branch	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 715 West 4th Branch	0.50%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank Jansen Branch	0.50%	$100,000	-	Learn More Add Review
First State Bank 620 West Main Street Branch	0.50%	$100,000	-	Learn More Add Review
Western National Bank Byron State Bank Branch	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Johnson Auburn Branch	0.50%	$100,000	-	Learn More Add Review
BankFirst Drive-In Facility Branch	0.49%	$100,000	-	Learn More Add Review
Stockmens Bank The State Bank Of Bartley Branch	0.48%	$10,000	-	Learn More Add Review
Frontier Bank Frontier Bank Lincoln Branch (Glynoa	0.45%	$500	-	Learn More Add Review
Butte State Bank Butte State Bank Branch	0.45%	$10,000	-	Learn More Add Review
Nebraska State Bank Nebraska State Bank Branch	0.45%	$10,000	-	Learn More Add Review
The Hershey State Bank Hershey State Bank, North Platte Branch	0.45%	$100,000	-	Learn More Add Review
Pathway Bank Pathway Bank Branch	0.45%	$10,000	-	Learn More Add Review
Town & Country Bank Town & Country Bank Branch	0.45%	$10,000	-	Learn More Add Review
First State Bank & Trust Company Walmart Office Branch	0.45%	$10,000	-	Learn More Add Review
United Republic Bank United Republic Bank Branch	0.45%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank Jansen Branch	0.45%	$10,000	-	Learn More Add Review
Cattle Bank and Trust Village Gardens Branch	0.45%	$10,000	-	Learn More Add Review
Commercial Bank Commercial Bank Branch	0.45%	$10,000	-	Learn More Add Review
F&M Bank F&M Bank Branch	0.45%	$100,000	-	Learn More Add Review
First Northeast Bank of Nebraska Uehling Branch	0.40%	$10,000	-	Learn More Add Review
Five Points Bank of Hastings Hastings Downtown Branch	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 West Plains Bank Branch	0.40%	$100,000	-	Learn More Add Review
Sandhills State Bank North Platte Branch	0.40%	$500	-	Learn More Add Review
Bruning Bank Bank Of Broken Bow, A Branch Of Bruning State Bank Branch	0.40%	$10,000	-	Learn More Add Review
First National Bank in Ord First National Bank In Ord Branch	0.40%	$10,000	-	Learn More Add Review
The Potter State Bank of Potter The Potter State Bank Of Potter Branch	0.40%	$10,000	-	Learn More Add Review
Premier Bank Premier Bank - Nebraska City Branch	0.40%	$10,000	-	Learn More Add Review
Five Points Bank Omaha- Mobile Branch	0.40%	$10,000	-	Learn More Add Review
First Bank of Utica First Bank Of Utica Branch	0.40%	$10,000	-	Learn More Add Review
First State Bank 620 West Main Street Branch	0.40%	$10,000	-	Learn More Add Review
Thayer County Bank Thayer County Bank Branch	0.40%	$100,000	-	Learn More Add Review
Tecumseh Federal Bank Tecumseh Federal Bank Branch	0.40%	$10,000	-	Learn More Add Review
Arbor Bank Arbor Bank Branch	0.38%	$10,000	-	Learn More Add Review
F&M Bank Wayne Branch	0.35%	$100,000	-	Learn More Add Review
Pinnacle Bank Home State Bank Branch	0.35%	$10,000	-	Learn More Add Review
Heartland Bank Heartland Bank Branch	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 Highway 6 Branch	0.35%	$10,000	-	Learn More Add Review
First Savings Bank Omaha Branch	0.35%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
West Gate Bank Eagle Crest Branch	0.35%	$10,000	-	Learn More Add Review
York State Bank Detached Tellers' Branch	0.35%	$100,000	-	Learn More Add Review
MNB BANK Stratton Branch	0.35%	$10,000	-	Learn More Add Review
Dundee Bank Dundee Branch	0.30%	$500	-	Learn More Add Review
Security First Bank Harrison Branch	0.30%	$10,000	-	Learn More Add Review
West Plains Bank West Plains Bank Branch	0.30%	$10,000	-	Learn More Add Review
Great Southern Bank Bellevue Branch	0.30%	$250	-	Learn More Add Review
Washington County Bank Washington County Bank - Washington Branch	0.30%	$10,000	-	Learn More Add Review
The Hershey State Bank Hershey State Bank, North Platte Branch	0.30%	$10,000	-	Learn More Add Review
NebraskaLand National Bank S. Dewey Branch	0.30%	$100,000	-	Learn More Add Review
Heartland Bank Heartland Bank Branch	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 Columbus Bank And Trust Company Branch	0.30%	$10,000	-	Learn More Add Review
First Westroads Bank, Inc. Westroads Branch	0.30%	$10,000	-	Learn More Add Review
UMB Bank, National Association Village Pointe Branch	0.30%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Waypoint Bank Waypoint Bank Branch	0.30%	$10,000	-	Learn More Add Review
Pinnacle Bank Home State Bank Branch	0.30%	$10,000	-	Learn More Add Review
York State Bank Detached Tellers' Branch	0.30%	$10,000	-	Learn More Add Review
BankFirst Drive-In Facility Branch	0.29%	$10,000	-	Learn More Add Review
Pinnacle Bank Home State Bank Branch	0.25%	$500	-	Learn More Add Review
Genoa Community Bank Genoa Community Bank Branch	0.25%	$500	-	Learn More Add Review
Security National Bank of Omaha Cass Street Branch	0.25%	$100,000	-	Learn More Add Review
F&M Bank F&M Bank Branch	0.25%	$10,000	-	Learn More Add Review
Central National Bank Mortgage Department Branch	0.20%	$50,000	-	Learn More Add Review
Astra Bank Sutton Branch	0.20%	$500	-	Learn More Add Review
Midwest Bank National Association Deshler Branch	0.20%	$100,000	-	Learn More Add Review
Pinnacle Bank Home State Bank Branch	0.20%	$10,000	-	Learn More Add Review
Heritage Bank St. Paul Branch	0.20%	$10,000	-	Learn More Add Review
Nebraska State Bank and Trust Company Merna Branch	0.20%	$10,000	-	Learn More Add Review
NebraskaLand National Bank S. Dewey Branch	0.20%	$10,000	-	Learn More Add Review
Midwest Bank National Association Deshler Branch	0.15%	$10,000	-	Learn More Add Review
Central National Bank Mortgage Department Branch	0.15%	$10,000	-	Learn More Add Review
F&M Bank Wayne Branch	0.15%	$10,000	-	Learn More Add Review
Sidney Federal Savings and Loan Association Sidney Federal Savings And Loan Asso Branch	0.15%	$10,000	-	Learn More Add Review
Northwest Bank La Vista Branch	0.15%	$10,000	-	Learn More Add Review
Security National Bank of Omaha Cass Street Branch	0.10%	$10,000	-	Learn More Add Review
Pinnacle Bank Home State Bank Branch	0.10%	$10,000	-	Learn More Add Review
First National Bank of Omaha 17th Avenue Branch	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 10th & Norfolk Branch	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.

Branches Info around zip 98109

Branch	Street	City	State
Commercial State Bank Nebraska City Branch	617 Central Avenue	Nebraska City	NE
Wells Fargo Bank, National Association Second Street Branch	920 West 2nd Street	Grand Island	NE
Bank of Dixon County 412 Main Street Branch	412 Main Street	New Castle	NE
Western Nebraska Bank Bank Of Paxton Branch	203 North Oak Street	Paxton	NE
The Tri-County Bank The Tri-County Bank - Atkinson Branc Branch	807 East Ash Street	Atkinson	NE
Elkhorn Valley Bank & Trust Elkhorn Valley Bank & Trust Branch	800 West Benjamin Avenue	Norfolk	NE
Riverstone Bank Tri Valley Bank Branch	223 Main Street	Talmage	NE
State Bank of Scotia State Bank Of Scotia Branch	104 S Main St	Scotia	NE
Madison County Bank Norfolk Branch	2100 Pasewalk Avenue	Norfolk	NE
Stanton State Bank Stanton State Bank Branch	924 Ivy Street	Stanton	NE
Bank of Hartington 304 North Broadway Branch	304 North Broadway	Hartington	NE
State Bank of Scotia State Bank Of Scotia Branch	104 S Main St	Scotia	NE
Citizens State Bank Citizens State Bank Branch	209 3rd Street	Carleton	NE
Nebraska Bank Bridgeport Branch	823 Main Street	Bridgeport	NE
Pinnacle Bank Home State Bank Branch	218 Main Street	Louisville	NE
Brunswick State Bank Brunswick State Bank Branch	226 2nd St	Brunswick	NE
Bank of Lindsay Bank Of Lindsay Branch	102 Pine Street	Lindsay	NE
Foundation One Bank North 156th Street Branch	4141 North 156th Street	Omaha	NE
Adams County Bank Adams County Bank Branch	401 N. Smith Avenue	Kenesaw	NE
Homestead Bank Drive-Thru Schuyler Branch	715 West Sixteenth Street	Schuyler	NE
Farmers and Merchants Bank Farmers And Merchants Bank Branch	501 Main St	Milligan	NE
Henderson State Bank Henderson State Bank Branch	627 Lincoln Avenue	York	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
The Bank of Steinauer The Bank Of Steinauer Branch	215 Main St	Steinauer	NE
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	721 Seventh Street	Saint Paul	NE
Homestead Bank Drive-Thru Schuyler Branch	715 West Sixteenth Street	Schuyler	NE
Minden Exchange Bank & Trust Company Minden Exchange Bank & Trust Company Branch	448 North Minden Avenue	Minden	NE
Bank of Elgin Bank Of Elgin Branch	101 North 2nd Street	Elgin	NE
First State Bank First State Bank Branch	Broadway And Main Streets	Randolph	NE
Citizens State Bank Spalding Branch	121 North Chestnut Street	Spalding	NE
Custer Federal State Bank Custer Federal State Bank Branch	341 South 10th Avenue	Broken Bow	NE
Legends West Bank Bank Of Lewellen Branch	302 Main Street	Lewellen	NE
Bank of Prague Bank Of Prague Branch	316 West Center Avenue	Prague	NE
FirstBank of Nebraska Syracuse Branch	320 Fifth St	Syracuse	NE
City Bank & Trust Co. City Bank & Trust Company Branch	940 'p' Street	Lincoln	NE
Countryside Bank Countryside Bank Branch	379 Main Street	Unadilla	NE
Adams County Bank Adams County Bank Branch	401 N. Smith Avenue	Kenesaw	NE
Pathway Bank Pathway Bank Branch	817 H Street	Burwell	NE
Custer Federal State Bank Custer Federal State Bank Branch	341 South 10th Avenue	Broken Bow	NE
Cedar Rapids State Bank Cedar Rapids State Bank Branch	213 W Main St	Cedar Rapids	NE
Nebraska State Bank Nebraska State Bank Branch	301 Prairie Street	Bristow	NE
First National Bank in Ord First National Bank In Ord Branch	1411 M Street	Ord	NE
Cornerstone Bank North Loup Valley Branch	404 W 1st St	North Loup	NE
Scribner Bank Scribner Bank Branch	400 Main Street	Scribner	NE
First State Bank Nebraska De Witt Branch	307 East Fillmore Avenue	De Witt	NE
Enterprise Bank Regency Parkway Branch	210 Regency Parkway	Omaha	NE
Exchange Bank Exchange Bank Branch	7655 Pioneers Blvd	Lincoln	NE
Cornhusker Bank Apples Way Branch	6100 Apple's Way	Lincoln	NE
First Central Bank First Central Bank Branch	623 Patterson	Cambridge	NE
First Central Bank McCook First Central Bank Mccook Branch	904 North Highway 83	Mccook	NE
Security Bank Osmond Branch	321 N State Street	Osmond	NE
First Community Bank Bancroft Branch	N Main Street	Bancroft	NE
Cedar Security Bank Wynot Branch	411 St James Ave	Wynot	NE
Legends West Bank Bank Of Lewellen Branch	302 Main Street	Lewellen	NE
FirsTier Bank Firstier Bank Branch	222 North Tyler Street	Elm Creek	NE
First Bank and Trust of Fullerton First Bank And Trust Of Fullerton Branch	230 Broadway	Fullerton	NE
Wahoo State Bank 314 5th Street Branch	314 5th Street	Wahoo	NE
Dayspring Bank Mullen Branch	101 Northwest First	Mullen	NE
First Nebraska Bank Brainard Branch	Madison Street	Brainard	NE
Adams Bank & Trust Chappell Branch	641 2nd Street	Chappell	NE
Town & Country Bank Town & Country Bank Branch	423 Grand Avenue	Ravenna	NE
Bank of Clarks Farmers State Bank Of Silver Creek B Branch	Second And Vine	Silver Creek	NE
Homestead Bank Drive-Thru Schuyler Branch	715 West Sixteenth Street	Schuyler	NE
Scribner Bank Scribner Bank Branch	400 Main Street	Scribner	NE
City Bank & Trust Co. City Bank & Trust Company Branch	940 'p' Street	Lincoln	NE
South Central State Bank South Central State Bank Branch	673 Broad St.	Campbell	NE
The First National Bank of Johnson Auburn Branch	1315 J Street	Auburn	NE
Butte State Bank Butte State Bank Branch	510 Thayer Street	Butte	NE
First Bank and Trust Company First Bank And Trust Company Branch	315 East 4th Street	Minden	NE
Great Plains State Bank Great Plains State Bank Branch	140 Main Street	Petersburg	NE
Pinnacle Bank - Wyoming Mitchell Branch	1511 Broadway	Mitchell	NE
Flatwater Bank Gothenburg State Bank Branch	900 Lake	Gothenburg	NE
American Exchange Bank Elmwood Branch	440 D Street	Eagle	NE
State Nebraska Bank & Trust State Nebraska Bank & Trust Branch	122 Main Street	Wayne	NE
CHARTER WEST BANK Pender Branch	610 4th Street	Pender	NE
Lincoln FSB of Nebraska 720 4th Avenue Branch	720 4th Avenue	Holdrege	NE
Platte Valley Bank Plaza Branch	710 Avenue B	Scottsbluff	NE
Bank of the Valley Bank Of The Valley Branch	404 State Street	Bellwood	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
Platte Valley Bank Platte Valley Bank Branch	606 Main Street	North Bend	NE
JONES BANK Milford Branch	807 Fifth Street	Milford	NE
I3 Bank 2433 Silver Street Branch	2433 Silver Street	Ashland	NE
Access Bank Access Bank Branch	8712 West Dodge Road	Omaha	NE
Home Federal Savings and Loan Association of Grand Island 715 West 4th Branch	715 West 4th	Hastings	NE
Farmers and Merchants Bank Jansen Branch	Broad And Elm Streets	Jansen	NE
First State Bank 620 West Main Street Branch	620 West Main Street	Alma	NE
Western National Bank Byron State Bank Branch	115 Kansas Avenue	Byron	NE
The First National Bank of Johnson Auburn Branch	1315 J Street	Auburn	NE
BankFirst Drive-In Facility Branch	920 South 13th Street	Norfolk	NE
Stockmens Bank The State Bank Of Bartley Branch	402 Commercial Street	Bartley	NE
Frontier Bank Frontier Bank Lincoln Branch (Glynoa	8380 Glynoaks Drive	Lincoln	NE
Butte State Bank Butte State Bank Branch	510 Thayer Street	Butte	NE
Nebraska State Bank Nebraska State Bank Branch	301 Prairie Street	Bristow	NE
Hershey Bank Hershey State Bank, North Platte Branch	301 East Philip Avenue	North Platte	NE
Pathway Bank Pathway Bank Branch	817 H Street	Burwell	NE
Town & Country Bank Town & Country Bank Branch	423 Grand Avenue	Ravenna	NE
RVR Bank Walmart Office Branch	3010 East 23rd Avenue North	Fremont	NE
United Republic Bank United Republic Bank Branch	111 North 181st Street	Omaha	NE
Farmers and Merchants Bank Jansen Branch	Broad And Elm Streets	Jansen	NE
Cattle Bank and Trust Village Gardens Branch	5800 Hidcote Ave., Suite 106	Lincoln	NE
Commercial Bank Commercial Bank Branch	Fourth And Main (S.W. Corner)	Nelson	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
Five Points Bank of Hastings Hastings Downtown Branch	322 North Saint Joseph Avenue	Hastings	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
Bruning Bank Bank Of Broken Bow, A Branch Of Bruning State Bank Branch	803 South D Street	Broken Bow	NE
First National Bank in Ord First National Bank In Ord Branch	1411 M Street	Ord	NE
The Potter State Bank of Potter The Potter State Bank Of Potter Branch	Front And Chestnut	Potter	NE
Premier Bank National Association Premier Bank - Nebraska City Branch	202 South Eighth Street	Nebraska City	NE
Five Points Bank Omaha- Mobile Branch	9817 Giles Road	La Vista	NE
First Bank of Utica First Bank Of Utica Branch	785 D Street	Utica	NE
First State Bank 620 West Main Street Branch	620 West Main Street	Alma	NE
Thayer County Bank Thayer County Bank Branch	402 Lincoln Avenue	Hebron	NE
Tecumseh Federal Bank Tecumseh Federal Bank Branch	160 N 4th Street	Tecumseh	NE
Arbor Bank Arbor Bank Branch	911 Central Avenue	Nebraska City	NE
F&M Bank Wayne Branch	321 Main	Wayne	NE
Pinnacle Bank Home State Bank Branch	218 Main Street	Louisville	NE
Heartland Bank Heartland Bank Branch	896 G Street	Geneva	NE
Farmers and Merchants Bank of Ashland Highway 6 Branch	504 Highway 6	Ashland	NE
First Savings Bank Omaha Branch	3540 South 84th Street	Omaha	NE
West Gate Bank Eagle Crest Branch	8400 Eagle Crest Rd	Lincoln	NE
York State Bank Detached Tellers' Branch	729 Lincoln Avenue	York	NE
MNB BANK Stratton Branch	Bailey Street	Stratton	NE
Dundee Bank Dundee Branch	5015 Underwood Avenue	Omaha	NE
Security First Bank Harrison Branch	289 Main Street	Harrison	NE
West Plains Bank West Plains Bank Branch	200 North Main Street	Ainsworth	NE
Great Southern Bank Bellevue Branch	7001 South 36th Street	Bellevue	NE
Washington County Bank Washington County Bank - Washington Branch	303 South 13th Street	Tekamah	NE
Hershey Bank Hershey State Bank, North Platte Branch	301 East Philip Avenue	North Platte	NE
Nebraskaland Bank S. Dewey Branch	1400 S. Dewey Street	North Platte	NE
Heartland Bank Heartland Bank Branch	896 G Street	Geneva	NE
Columbus Bank and Trust Company Columbus Bank And Trust Company Branch	2501 13th Street	Columbus	NE
First Westroads Bank, Inc. Westroads Branch	612 N. 98th Street	Omaha	NE
UMB Bank, National Association Village Pointe Branch	16929 Burke Street	Omaha	NE
Waypoint Bank Waypoint Bank Branch	747 Meridian	Cozad	NE
Pinnacle Bank Home State Bank Branch	218 Main Street	Louisville	NE
York State Bank Detached Tellers' Branch	729 Lincoln Avenue	York	NE
BankFirst Drive-In Facility Branch	920 South 13th Street	Norfolk	NE
Pinnacle Bank Home State Bank Branch	218 Main Street	Louisville	NE
Genoa Community Bank Genoa Community Bank Branch	Willard Avenue And Oak Street	Genoa	NE
Security National Bank of Omaha Cass Street Branch	7805 Cass Street	Omaha	NE
F&M Bank F&M Bank Branch	1701 Stone Street	Falls City	NE
Central National Bank Mortgage Department Branch	P.O. Box 268	Superior	NE
Astra Bank Sutton Branch	105 S. Saunders Avenue	Sutton	NE
Midwest Bank Deshler Branch	701 4th St	Deshler	NE
Pinnacle Bank Home State Bank Branch	218 Main Street	Louisville	NE
Heritage Bank St. Paul Branch	821 2nd Street	St. Paul	NE
Nebraska State Bank and Trust Company Merna Branch	Center Avenue And Highway 92	Merna	NE
Nebraskaland Bank S. Dewey Branch	1400 S. Dewey Street	North Platte	NE
Midwest Bank Deshler Branch	701 4th St	Deshler	NE
Central National Bank Mortgage Department Branch	P.O. Box 268	Superior	NE
F&M Bank Wayne Branch	321 Main	Wayne	NE
Sidney Federal Savings and Loan Association Sidney Federal Savings And Loan Asso Branch	1045 10th Avenue	Sidney	NE
Northwest Bank La Vista Branch	9719 Giles Rd	La Vista	NE
Security National Bank of Omaha Cass Street Branch	7805 Cass Street	Omaha	NE
Pinnacle Bank Home State Bank Branch	218 Main Street	Louisville	NE
First National Bank of Omaha 17th Avenue Branch	5410 17th Avenue	Kearney	NE
U.S. Bank National Association 10th & Norfolk Branch	909 Norfolk Avenue	Norfolk	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

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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