Nebraska

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Nebraska Credit Union Savings Rates

You are viewing savings rates from credit unions across Nebraska

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

NE - July 20, 2024

Savings Account National Average Rate: 0.44% ?

Credit Unions APY MIN

Greenstate


Restrictions

2.45%

2.25%
2.05%
1.85%
1.65%
1.45%

$1,000,000

$500,000
$250,000
$100,000
$50,000
$2,500
Learn More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

2.25%

2.05%
1.85%
1.65%
1.50%
1.10%
1.06%
0.95%

$1,000,000

$500,000
$250,000
$100,000
$50,000
$25,000
$10,000
$2,500
Learn More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Greenstate


Restrictions

1.00%

0.05%

$100

$101
Learn More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

Nebraska Energy


Restrictions

0.70%

$2,500

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Holyoke Community


Restrictions

0.70%

$10,000

Learn More

First Nebraska


Restrictions

0.60%

$25,000

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Family Focus


Restrictions

0.55%

$25,000

Learn More

| Mar 25, 2023

I absolutely love this credit union! They go above and beyond to help you with whatever your financial needs are. They have great interest rates on top of everything else. They've honestly made me feel lik... Read More

Four Points


Restrictions

0.50%

$25,000

Learn More

Holyoke Community


Restrictions

0.50%

$2,500

Learn More

First Nebraska


Restrictions

0.45%

$10,000

Learn More

U.p. Connection


Restrictions

0.40%

$25,000

Learn More

Siouxland


Restrictions

0.40%

$2,500

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U.p. Connection


Restrictions

0.35%

$10,000

Learn More

Trius


Restrictions

0.35%

$25,000

Learn More

First Nebraska


Restrictions

0.30%

$10,000

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0.30%

$2,500

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Meridian Trust


Restrictions

0.30%

$25,000

Learn More

Four Points


Restrictions

0.30%

$2,500

Learn More

Kellogg Midwest


Restrictions

0.30%

$25,000

Learn More

Metro Cu


Restrictions

0.30%

$10,000

Learn More

U.p. Connection


Restrictions

0.27%

$2,500

Learn More

Star Usa


Restrictions

0.25%

$50,000

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

0.25%

$5

Learn More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Siouxland


Restrictions

0.25%

$2,500

Learn More

Centris


Restrictions

0.25%

$25,000

Learn More

| Sep 25, 2021

Centris bank, the Omaha branch specifically, allowed my ex-husband to forge my name over and over and over for five years to three different loans. Forge my name on the original loan documents and then... Read More

Meridian Trust


Restrictions

0.25%

$10,000

Learn More

Columbus United


Restrictions

0.25%

$25,000

Learn More

0.25%

$2,500

Learn More

Family Focus


Restrictions

0.25%

$2,500

Learn More

| Mar 25, 2023

I absolutely love this credit union! They go above and beyond to help you with whatever your financial needs are. They have great interest rates on top of everything else. They've honestly made me feel lik... Read More

Membersown


Restrictions

0.25%

$25,000

Learn More

Edu


Restrictions

0.20%

$0

Learn More

Kellogg Midwest


Restrictions

0.20%

$10,000

Learn More

Mutual First


Restrictions

0.20%

$25,000

Learn More

Metro Cu


Restrictions

0.20%

$2,500

Learn More

Membersown


Restrictions

0.20%

$10,000

Learn More

Star Usa


Restrictions

0.15%

$2,500

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

Pentagon


Restrictions

0.15%

0.05%

$100,000

$0
Learn More

| Dec 25, 2023

I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More

Centris


Restrictions

0.15%

$2,500

Learn More

| Sep 25, 2021

Centris bank, the Omaha branch specifically, allowed my ex-husband to forge my name over and over and over for five years to three different loans. Forge my name on the original loan documents and then... Read More

Meridian Trust


Restrictions

0.15%

$2,500

Learn More

Cobalt


Restrictions

0.15%

$25,000

Learn More

First Nebraska


Restrictions

0.15%

$2,500

Learn More

Mutual First


Restrictions

0.15%

$2,500

Learn More

Omaha Douglas


Restrictions

0.15%

$10,000

Learn More

Metro Cu


Restrictions

0.15%

$2,500

Learn More

Trius


Restrictions

0.15%

$10,000

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

Holyoke Community


Restrictions

0.15%

$2,500

Learn More

U.p. Connection


Restrictions

0.14%

$2,500

Learn More

Star Usa


Restrictions

0.10%

$10

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

Pentagon


Restrictions

0.10%

$10,000

Learn More

| Dec 25, 2023

I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More

0.10%

$2,500

Learn More

Meridian Trust


Restrictions

0.10%

$2,500

Learn More

Columbus United


Restrictions

0.10%

$2,500

Learn More

Omaha


Restrictions

0.10%

$2,500

Learn More

Cobalt


Restrictions

0.10%

$2,500

Learn More

Four Points


Restrictions

0.10%

$2,500

Learn More

Kellogg Midwest


Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

Membersown


Restrictions

0.10%

$2,500

Learn More

Lincone


Restrictions

0.10%

$2,500

Learn More

Creighton


Restrictions

0.07%

$25,000

Learn More

0.07%

$10,000

Learn More

Creighton


Restrictions

0.06%

$10,000

Learn More

Star Usa


Restrictions

0.05%

$5

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

First Nebraska


Restrictions

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

Omaha


Restrictions

0.05%

$2,500

Learn More

Cobalt


Restrictions

0.05%

$2,500

Learn More

Creighton


Restrictions

0.05%

$2,500

Learn More

Mutual First


Restrictions

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

Family Focus


Restrictions

0.05%

$2,500

Learn More

| Mar 25, 2023

I absolutely love this credit union! They go above and beyond to help you with whatever your financial needs are. They have great interest rates on top of everything else. They've honestly made me feel lik... Read More

Trius


Restrictions

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

Liberty First


Restrictions

0.05%

$2,500

Learn More

Lincone


Restrictions

0.05%

$2,500

Learn More

Omaha Douglas


Restrictions

0.03%

$2,500

Learn More

0.03%

$2,500

Learn More

Edu


Restrictions

0.01%

$1

Learn More
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

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