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Nebraska CD Rates 2016

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 - December 9, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
Custer Federal State Bank 1.06% $90,000 -
Elkhorn Valley Bank & Trust 1.05% $1 -
Farmers State Bank 1.00% $500 -
Lincoln Fsb Of Nebraska 1.00% $10,000 -
Bank Of Orchard 1.00% $100,000 -
Premier Bank 1.00% $500 -
Citizens Bank & Trust Company 0.95% $500 -
Security State Bank 0.90% $500 -
Firstier Bank 0.90% $500 -
State Bank Of Scotia 0.85% $50,001 -
Ashton State Bank 0.85% $25,000 -
Citizens State Bank 0.85% $1,000 -
Byron State Bank 0.85% $500 -
Ericson State Bank 0.80% $1,000 -
Custer Federal State Bank 0.80% $500 -
Ashton State Bank 0.80% $5,000 -
Madison County Bank 0.80% $500 -
Exchange Bank 0.80% $2,500 -
Pinnacle Bank 0.80% $500 -
First State Bank 0.80% $500 -
The Hershey State Bank 0.75% $25,000 -
Pinnacle Bank 0.75% $500 -
State Bank Of Scotia 0.75% $1,000 -
Bank Of Hartington 0.75% $1,000 -
Bank Of Orchard 0.75% $500 -
First Community Bank 0.75% $10,000 -
Farmers And Merchants Bank 0.75% $1,000 -
Adams County Bank 0.75% $90,000 -
Bank Of Clarks 0.75% $500 -
First National Bank Of Omaha 0.74% $500 -
The Tilden Bank 0.70% $1,000 -
Cedar Security Bank 0.70% $1,000 -
Mccook National Bank 0.70% $500 -
Platte Valley Bank 0.70% $1,000 -
First National Bank Of Omaha 0.70% $500 -
F&m Bank 0.65% $75,000 -
Community First Bank 0.65% $1,000 -
First Bank Of Utica 0.65% $500 -
Nebraskaland National Bank 0.65% $100,000 -
Bank Of Prague 0.65% $1,000 -
Central National Bank 0.61% $50,000 -
Great Plains State Bank 0.60% $500 -
Thayer County Bank 0.60% $2,500 -
Adams Bank & Trust 0.60% $10,000 -
Bank Of Lindsay 0.60% $100 -
Brunswick State Bank 0.60% $1,000 -
First National Bank Of Omaha 0.60% $500 -
Charter West Bank 0.60% $500 -
Enterprise Bank 0.60% $10,000 -
The Hershey State Bank 0.60% $100 -
Access Bank 0.60% $1,000 -
Commercial State Bank 0.60% $1,000 -
First National Bank Northeast 0.60% $500 -
Henderson State Bank 0.60% $500 -
Frontier Bank 0.60% $100,000 -
Scribner Bank 0.60% $50,000 -
Nebraska State Bank And Trust Company 0.60% $500 -
First State Bank 0.60% $500 -
Central National Bank 0.56% $10,000 -
First Central Bank Mccook 0.55% $500 -
First Bank Of Bancroft 0.55% $100 -
Cornerstone Bank 0.55% $500 -
Stockmens Bank 0.55% $1,000 -
Bank Of Elgin 0.55% $500 -
First State Bank 0.55% $10,000 -
First Central Bank 0.55% $500 -
South Central State Bank 0.55% $1,000 -
F&m Bank 0.55% $500 -
Western Nebraska Bank 0.55% $250 -
Pathway Bank 0.55% $100,000 -
Foundation One Bank 0.55% $1,000 -
Pinnacle Bank 0.55% $500 -
Scribner Bank 0.55% $10,000 -
Bruning State Bank 0.55% $500 -
Frontier Bank 0.55% $10,000 -
First National Bank Of Omaha 0.54% $500 -
Butte State Bank 0.51% $100,000 -
State Nebraska Bank & Trust 0.50% $10,000 -
Columbus Bank And Trust Company 0.50% $50,000 -
Heartland Bank 0.50% $10,000 -
Tri Valley Bank 0.50% $500 -
Frontier Bank 0.50% $500 -
Town & Country Bank 0.50% $10,000 -
Pinnacle Bank - Wyoming 0.50% $10,000 -
Stanton State Bank 0.50% $500 -
Adams County Bank 0.50% $1,000 -
Pinnacle Bank 0.50% $500 -
Cornhusker Bank 0.50% $1,000 -
Nebraskaland National Bank 0.45% $1,000 -
First Bank And Trust Of Fullerton 0.45% $500 -
Columbus Bank And Trust Company 0.45% $500 -
Bankfirst 0.45% $10,000 -
Generations Bank 0.45% $1,000 -
Butte State Bank 0.45% $10,000 -
Pinnacle Bank 0.45% $500 -
Nebraska State Bank 0.45% $75,000 -
The Tri-county Bank 0.45% $500 -
Cass County Bank, Inc. 0.45% $100 -
Franklin State Bank 0.45% $500 -
Bank Of Lewellen 0.45% $100,000 -
The Fullerton National Bank 0.45% $500 -
F&m Bank 0.45% $25,000 -
York State Bank 0.45% $25,000 -
Northwest Bank 0.45% $15,000 -
Security Bank 0.43% $1,000 -
First National Bank Of Omaha 0.41% $500 -
Tecumseh Federal Bank 0.40% $500 -
Auburn State Bank 0.40% $1,000 -
Northwest Bank 0.40% $1,000 -
Commercial Bank 0.40% $500 -
Points West Community Bank 0.40% $500 -
Pinnacle Bank 0.40% $500 -
The Potter State Bank Of Potter 0.40% $500 -
Gothenburg State Bank 0.40% $1,000 -
York State Bank 0.40% $10,000 -
Bank Of Dixon County 0.40% $5,000 -
Pathway Bank 0.40% $10,000 -
Genoa Community Bank 0.40% $500 -
First State Bank 0.40% $500 -
Security National Bank Of Omaha 0.40% $25,000 -
Midwest Bank National Association 0.40% $5,000 -
Cedar Rapids State Bank 0.40% $1,000 -
Core Bank 0.40% $1,000 -
Arbor Bank 0.40% $2,500 -
Bank Of The Valley 0.40% $500 -
Sandhills State Bank 0.40% $500 -
Heritage Bank 0.35% $1,000 -
Farmers Bank Of Cook 0.35% $20,000 -
The Murray State Bank 0.35% $1,000 -
Five Points Bank 0.35% $500 -
F&m Bank 0.35% $10,000 -
First Savings Bank 0.35% $10,000 -
Farmers State Bank 0.35% $500 -
Midwest Bank National Association 0.35% $5,000 -
Wyoming State Bank 0.35% $1,000 -
Pinnacle Bank 0.35% $500 -
Bank Of Doniphan 0.35% $500 -
Enterprise Bank 0.35% $500 -
Nebraska State Bank 0.35% $500 -
Great Southern Bank 0.35% $250 -
Iowa - Nebraska State Bank 0.35% $50,000 -
Exchange Bank 0.35% $2,500 -
Farmers State Bank, Spencer 0.35% $500 -
Bank Of Lewellen 0.35% $10,000 -
Farmers And Merchants Bank Of Ashland 0.35% $500 -
Farmers And Merchants Bank 0.33% $30,000 -
First Bank And Trust Company 0.31% $500 -
West Plains Bank 0.30% $25,000 -
City Bank & Trust Co. 0.30% $500 -
Farmers Bank Of Cook 0.30% $10,000 -
Union Bank And Trust Company 0.30% $25,000 -
Bank Of Nebraska 0.30% $10,000 -
Bank Of Bennington 0.30% $500 -
Security National Bank Of Omaha 0.30% $10,000 -
Nebraska Bank Of Commerce 0.30% $500 -
The First National Bank Of Fairbury 0.30% $100 -
First National Bank In Ord 0.30% $100,000 -
Five Points Bank Of Hastings 0.30% $500 -
Home Federal Savings And Loan Association Of Grand Island 0.30% $10,000 -
Farmers And Merchants Bank 0.30% $10,000 -
First Westroads Bank, Inc. 0.30% $100 -
American Exchange Bank 0.30% $500 -
Iowa - Nebraska State Bank 0.30% $1,000 -
Umb Bank, National Association 0.30% $500 -
Bank Of The West 0.26% $10,000 -
The First National Bank Of Johnson 0.25% $500 -
Minden Exchange Bank & Trust Company 0.25% $500 -
Pinnacle Bank 0.25% $500 -
First National Bank Of Chadron 0.25% $500 -
Frontier Bank 0.25% $10,000 -
The American Bank Of Sidney, Nebraska 0.25% $500 -
Equitable Bank 0.25% $500 -
Firstbank Of Nebraska 0.25% $5,000 -
Platte Valley Bank 0.25% $500 -
Two Rivers Bank 0.25% $500 -
Homestead Bank 0.25% $10,000 -
Mutual Of Omaha Bank 0.25% $1,000 -
First Nebraska Bank 0.25% $500 -
First State Bank Nebraska 0.25% $5,000 -
State Bank Of Table Rock 0.25% $50,000 -
First State Bank & Trust Company 0.20% $500 -
Security Home Bank 0.20% $500 -
Farmers And Merchants Bank 0.20% $2,500 -
State Bank Of Table Rock 0.20% $5,000 -
Countryside Bank 0.20% $1,000 -
First Bank & Trust Company 0.20% $500 -
Homestead Bank 0.20% $10,000 -
Union Bank And Trust Company 0.20% $1,000 -
West Plains Bank 0.20% $500 -
First National Bank Of Omaha 0.20% $500 -
Pinnacle Bank 0.20% $500 -
Plattsmouth State Bank 0.20% $500 -
Wahoo State Bank 0.20% $500 -
First National Bank In Ord 0.20% $500 -
Great Western Bank 0.20% $25,000 -
American National Bank 0.20% $10,000 -
Washington County Bank 0.15% $500 -
Great Western Bank 0.15% $10,000 -
Security First Bank 0.15% $500 -
Astra Bank 0.15% $500 -
The Jones National Bank And Trust Company Of Seward 0.15% $500 -
Sidney Federal Savings And Loan Association 0.15% $100 -
West Gate Bank 0.15% $500 -
U.s. Bank National Association 0.10% $10,000 -
The Cattle National Bank And Trust Company 0.10% $500 -
Wells Fargo Bank, National Association 0.05% $10,000 -

BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2016

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, you 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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  • Max

    June 07, 2016

    The Chase rates are not correct, in fact Chase never heard of these rates, if they are correct please inform Abilene and Dallas, I could use the rate as small as it may be, but better than most, if they exist. Thanks

  • joan

    June 06, 2016

    florida community bank 1.40% -9 months good all of june 2016

  • Tammie H.

    April 19, 2016

    Hello,

    I was just wondering if the rates posted on this site were current?

    I noticed at the top it does have todays date.

    Thank you.

  • boo

    April 13, 2016

    rates suck

  • Dan

    March 14, 2016

    The local offerings are there. Just put in your zip code. Click the link that says: Change zip.

  • F Jamees

    March 14, 2016

    Where are the local offerings of 71913. They use to be for local banks, we miss them. F James

  • Larry Triemer (ltriemer@yahoo.com)

    March 02, 2016

    I stopped receiving my weekly bank rates and wanted you to resume sending them. I registered today, again, using my work e-mail and would like for you to send them to the abovementioned e=mail address.

    Thank you,

    Larry Triemer+

  • jim

    February 12, 2016

    bank of Ontario (Ontario wi) offering 1 year ira cd for 1.9%

  • mike

    February 07, 2016

    Why can banks 100 miles away offer rates 5 to 6 time higher on a one year CD , seems banks and or there management in this area simply refuse to be competitive and show no respect for the people , neighbors and area they live and work in.

  • Braun

    December 30, 2015

    @Brian. Click the tabs at the top. You can choose the rate term you want.

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