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CD Rate Trends

Dawson, Nebraska Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 31, 2026

Dawson, Nebraska CD rates from banks and credit unions serving Nebraska range from 0.05% to 4.75% APY, verified by MonitorBankRates as of October 31, 2026. Current Dawson, Nebraska CD rates include Synchrony BankSynchrony BankA5.0 ★Texas Ratio: 13.55%Real return: +1.05%APY minus CPIRate verified Oct 28, 2026 offering Certificate of Deposit - 60 Months at 4.75% APY, First Westroads BankFirst Westroads BankA+5.0 ★Texas Ratio: 0.04%Real return: +0.85%APY minus CPIRate verified Oct 27, 2026 offering 48 Month CD at 4.55% APY, Omaha Federal Credit UnionOmaha Federal Credit UnionA+5.0 ★Texas Ratio: 3.18%Real return: +0.80%APY minus CPIRate verified Oct 28, 2026 offering 36 Month Share Certificate at 4.50% APY, Gallup Federal Credit UnionGallup Federal Credit UnionA+5.0 ★Texas Ratio: 0.24%Real return: +0.80%APY minus CPIRate verified Oct 29, 2026 offering 60 Month Certificates of Deposit (CDs) at 4.50% APY, and Cornhusker BankCornhusker BankA+5.0 ★Texas Ratio: 0.16%Real return: +0.76%APY minus CPIRate verified Oct 31, 2026 offering Business Certificates of Deposit - 48 Month at 4.46% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.

Dawson is a smaller community with no bank or credit union branches currently in our database. 774 institutions serving the Nebraska area are available to Dawson residents, with CD rates as high as 4.75% APY from Synchrony Bank. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 31, 2026

Compare Best CD Rates in Dawson, Nebraska & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Dawson 3 Month CD Rates

Nebraska 3 Month CD Average2.00% APYNational 2.13%▼ 0.09% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3 Month Certificates of Deposit
$0
4.25% ▲ 2.25% above Nebraska avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 2.25% above avgNationally 2.13%
Details

Balance: $10,000 and over

Rate History
1 change since Sep 19, 2026 · 3.19% → 4.25% ▲ 1.06 pts · high 4.25% / low 3.19%
2.13%3.72%5.31%Sep 19, 2026: 3.19% APYOct 31, 2026: 4.25% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20264.25%▲ from 3.19%
  • Sep 19, 20263.19%first recorded
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
3 Month CD
$1,000
4.14% ▲ 2.14% above Nebraska avg
View
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 2.14% above avgNationally 2.13%
Details

Current as of October 26, 2026; early withdrawal penalty may apply; automatically renews into a like term

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.14% ▲ 0.54 pts · high 4.14% / low 3.60%
3.06%3.87%4.68%Sep 14, 2026: 3.60% APYSep 24, 2026: 4.14% APYSep 14, 2026Oct 31, 2026
  • Sep 24, 20264.14%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 3 Month
$0
4.06% ▲ 2.06% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 2.06% above avgNationally 2.13%
Details

Rate History
No change since Sep 9, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Sep 9, 2026: 4.06% APYSep 9, 2026Oct 31, 2026
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificate of Deposit 3 Month
$250
4.06% ▲ 2.06% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 2.06% above avgNationally 2.13%
Details

Rate History
No change since Oct 21, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 21, 2026: 4.06% APYOct 21, 2026Oct 31, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3 Month Certificate of Deposits (CDs)
$0
4.01% ▲ 2.01% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.00%▲ 2.01% above avgNationally 2.13%
Details

Balance: $150,000 and over; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 21, 2026: 4.01% APYOct 21, 2026Oct 31, 2026
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3-Month CD
$1,000
4.00% ▲ 2.00% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 2.00% above avgNationally 2.13%
Details

Interest credited At Maturity; Account maximum $500,000; FDIC insured

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Traditional Time Deposit - 3 months
$1,000
3.96% ▲ 1.96% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 1.96% above avgNationally 2.13%
Details

Traditional Time Deposit; APY effective 10/20/2026; Interest cannot remain on deposit; payout of interest is mandatory; Penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.96% APY · checked 5 times
3.46%3.96%4.46%Oct 20, 2026: 3.96% APYOct 20, 2026Oct 31, 2026
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$500
3.96% ▲ 1.96% above Nebraska avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 1.96% above avgNationally 2.13%
Details

Balance: $100,000.00 and up

Rate History
2 changes since Sep 19, 2026 · 3.85% → 3.96% ▲ 0.11 pts · high 3.96% / low 3.85%
3.35%3.91%4.46%Sep 19, 2026: 3.85% APYOct 3, 2026: 3.91% APYOct 20, 2026: 3.96% APYSep 19, 2026Oct 31, 2026
  • Oct 20, 20263.96%▲ from 3.91%
  • Oct 3, 20263.91%▲ from 3.85%
  • Sep 19, 20263.85%first recorded
Archer Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
3 Month Share & IRA Certificate
$500
3.95% ▲ 1.95% above Nebraska avg
View
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.00%▲ 1.95% above avgNationally 2.13%
Details

Minimum $500.00 to open certificate

Rate History
No change since Oct 26, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 26, 2026: 3.95% APYOct 26, 2026Oct 31, 2026
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$500
3.91% ▲ 1.91% above Nebraska avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 1.91% above avgNationally 2.13%
Details

Balance: $25,000.00-99,999.99

Rate History
2 changes since Sep 19, 2026 · 3.80% → 3.91% ▲ 0.11 pts · high 3.91% / low 3.80%
3.30%3.86%4.41%Sep 19, 2026: 3.80% APYOct 3, 2026: 3.85% APYOct 20, 2026: 3.91% APYSep 19, 2026Oct 31, 2026
  • Oct 20, 20263.91%▲ from 3.85%
  • Oct 3, 20263.85%▲ from 3.80%
  • Sep 19, 20263.80%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3 Month Certificate of Deposits (CDs)
$0
3.91% ▲ 1.91% above Nebraska avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.00%▲ 1.91% above avgNationally 2.13%
Details

Balance: $50,000 - $149,999.99; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 21, 2026: 3.91% APYOct 21, 2026Oct 31, 2026
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 3 Month
$5,000
3.90% ▲ 1.90% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 1.90% above avgNationally 2.13%
Details

Rate History
1 change since Oct 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Oct 14, 2026: 3.65% APYOct 21, 2026: 3.90% APYOct 14, 2026Oct 31, 2026
  • Oct 21, 20263.90%▲ from 3.65%
  • Oct 14, 20263.65%first recorded
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
3 Month CD
$1,000
3.90% ▲ 1.90% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 1.90% above avgNationally 2.13%
Details

Rates effective as of 10/05/2026; Rate and APY fixed for the term of the CD

Rate History
1 change since Sep 19, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 19, 2026: 3.75% APYOct 7, 2026: 3.90% APYSep 19, 2026Oct 31, 2026
  • Oct 7, 20263.90%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
3 Mo CD
$1,000
3.90% ▲ 1.90% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.00%▲ 1.90% above avgNationally 2.13%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 4.00% APYSep 20, 2026: 3.90% APYSep 14, 2026Oct 31, 2026
  • Sep 20, 20263.90%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
Share Certificate 3 Month
$500
3.90% ▲ 1.90% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.00%▲ 1.90% above avgNationally 2.13%
Details

Dividends compounded & credited quarterly; dividend period quarterly; minimum balance to avoid service charge: n/a

Rate History
No change since Oct 5, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Oct 5, 2026: 3.90% APYOct 5, 2026Oct 31, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account
$500
3.85% ▲ 1.85% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 1.85% above avgNationally 2.13%
Details

Limited Time Special Offer; Balances under $100k; $500 minimum to open and obtain special offer; Not available for individual retirement or business accounts; Penalty for early withdrawal; Open Online

Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
3.30%3.82%4.35%Sep 24, 2026: 3.80% APYOct 14, 2026: 3.85% APYSep 24, 2026Oct 31, 2026
  • Oct 14, 20263.85%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$500
3.85% ▲ 1.85% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 1.85% above avgNationally 2.13%
Details

Balance: $500.00-24,999.99

Rate History
2 changes since Sep 19, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 19, 2026: 3.75% APYOct 3, 2026: 3.80% APYOct 20, 2026: 3.85% APYSep 19, 2026Oct 31, 2026
  • Oct 20, 20263.85%▲ from 3.80%
  • Oct 3, 20263.80%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month CD
$500
3.85% ▲ 1.85% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.00%▲ 1.85% above avgNationally 2.13%
Details

Substantial penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 20, 2026: 3.85% APYSep 20, 2026Oct 31, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3 Month Certificate of Deposits (CDs)
$0
3.80% ▲ 1.80% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.00%▲ 1.80% above avgNationally 2.13%
Details

Balance: $500 - $49,999.99; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 31, 2026
Access Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Certificate of Deposit - 3 Month
$0
3.70% ▲ 1.70% above Nebraska avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 1.70% above avgNationally 2.13%
Details

Interest Paid: Quarterly and at Maturity

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3 Month Certificate of Deposit
$500
3.60% ▲ 1.60% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.00%▲ 1.60% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3 Month Time Certificates of Deposit
$500
3.60% ▲ 1.60% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.00%▲ 1.60% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 3 Months
$500
3.60% ▲ 1.60% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.00%▲ 1.60% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Time Certificates of Deposit - 3 Months
$500
3.60% ▲ 1.60% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.00%▲ 1.60% above avgNationally 2.13%
Details

Term certificate of deposit

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 14, 2026: 3.50% APYOct 14, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20263.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3 Month Certificate
$0
3.50% ▲ 1.50% above Nebraska avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.00%▲ 1.50% above avgNationally 2.13%
Details

Rate History
1 change since Sep 20, 2026 · 3.05% → 3.50% ▲ 0.45 pts · high 3.50% / low 3.05%
2.55%3.28%4.00%Sep 20, 2026: 3.05% APYOct 4, 2026: 3.50% APYSep 20, 2026Oct 31, 2026
  • Oct 4, 20263.50%▲ from 3.05%
  • Sep 20, 20263.05%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Business Certificates of Deposit - 3 Month
$1,000
3.46% ▲ 1.46% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 1.46% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.46% APY · checked 7 times
2.96%3.46%3.96%Oct 14, 2026: 3.46% APYOct 14, 2026Oct 31, 2026
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificate of Deposit - 3 Month
$1,000
3.46% ▲ 1.46% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 1.46% above avgNationally 2.13%
Details

Rate History
No change since Oct 20, 2026 · 3.46% APY · checked 6 times
2.96%3.46%3.96%Oct 20, 2026: 3.46% APYOct 20, 2026Oct 31, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40% ▲ 1.40% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 1.40% above avgNationally 2.13%
Details

Interest payment options available; early withdrawal penalty applies; APY current as of 10/30/2026

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 10 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 31, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD - 3 month
$500
3.29% ▲ 1.29% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.00%▲ 1.29% above avgNationally 2.13%
Details

Rate History
No change since Oct 23, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 23, 2026: 3.29% APYOct 23, 2026Oct 31, 2026
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3 Month Certificates of Deposit
$0
3.03% ▲ 1.03% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 1.03% above avgNationally 2.13%
Details

Balance: $2,500 - $9,999

Rate History
1 change since Sep 19, 2026 · 2.27% → 3.03% ▲ 0.76 pts · high 3.03% / low 2.27%
1.51%2.65%3.79%Sep 19, 2026: 2.27% APYOct 31, 2026: 3.03% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20263.03%▲ from 2.27%
  • Sep 19, 20262.27%first recorded
Platte Valley Bank North Bend, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Certificates of Deposit - 3 Month
$500
2.30% ▲ 0.30% above Nebraska avg
View
▼
Rate2.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 0.30% above avgNationally 2.13%
Details

Rate History
No change since Oct 21, 2026 · 2.30% APY · checked 3 times
1.80%2.30%2.80%Oct 21, 2026: 2.30% APYOct 21, 2026Oct 31, 2026
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
Certificates of Deposit - 3 Month
$0
2.27% ▲ 0.27% above Nebraska avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.00%▲ 0.27% above avgNationally 2.13%
Details

Early withdrawal penalties may apply

Rate History
No change since Oct 21, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 21, 2026: 2.27% APYOct 21, 2026Oct 31, 2026
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
IRA Certificate of Deposit - 3 Month
$0
2.27% ▲ 0.27% above Nebraska avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.00%▲ 0.27% above avgNationally 2.13%
Details

Early withdrawal penalties may apply

Rate History
No change since Oct 21, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 21, 2026: 2.27% APYOct 21, 2026Oct 31, 2026
First State Bank Hordville, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$500
2.02% ▲ 0.02% above Nebraska avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▲ 0.02% above avgNationally 2.13%
Details

Interest compounded quarterly; substantial penalty for early withdrawal

Rate History
No change since Sep 7, 2026 · 2.02% APY · checked 13 times
1.52%2.02%2.52%Sep 7, 2026: 2.02% APYSep 7, 2026Oct 31, 2026
Town & Country Bank Ravenna, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3 Month CD
$0
2.00% At Nebraska avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%At the averageNationally 2.13%
Details

Balance: $50,000 & Over

Rate History
1 change since Sep 11, 2026 · 0.45% → 2.00% ▲ 1.55 pts · high 2.00% / low 0.45%
0.00%1.78%3.55%Sep 11, 2026: 0.45% APYOct 11, 2026: 2.00% APYSep 11, 2026Oct 31, 2026
  • Oct 11, 20262.00%▲ from 0.45%
  • Sep 11, 20260.45%first recorded
Town & Country Bank Ravenna, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3 Month CD
$0
1.90% ▼ 0.10% below Nebraska avg
View
▼
Rate1.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▼ 0.10% below avgNationally 2.13%
Details

Balance: $10,000 - $49,999.99

Rate History
1 change since Sep 11, 2026 · 0.35% → 1.90% ▲ 1.55 pts · high 1.90% / low 0.35%
0.00%1.72%3.45%Sep 11, 2026: 0.35% APYOct 11, 2026: 1.90% APYSep 11, 2026Oct 31, 2026
  • Oct 11, 20261.90%▲ from 0.35%
  • Sep 11, 20260.35%first recorded
Town & Country Bank Ravenna, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3 Month CD
$0
1.80% ▼ 0.20% below Nebraska avg
View
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▼ 0.20% below avgNationally 2.13%
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 11, 2026 · 0.25% → 1.80% ▲ 1.55 pts · high 1.80% / low 0.25%
0.00%1.68%3.35%Sep 11, 2026: 0.25% APYOct 11, 2026: 1.80% APYSep 11, 2026Oct 31, 2026
  • Oct 11, 20261.80%▲ from 0.25%
  • Sep 11, 20260.25%first recorded
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Month
$500
1.65% ▼ 0.35% below Nebraska avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▼ 0.35% below avgNationally 2.13%
Details

Penalty for early withdrawal; rates subject to change

Rate History
No change since Oct 14, 2026 · 1.65% APY · checked 5 times
1.15%1.65%2.15%Oct 14, 2026: 1.65% APYOct 14, 2026Oct 31, 2026
Cornerstone Bank York, NE
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
3 Month Certificate of Deposit NO PENALTY
$500
1.60% ▼ 0.40% below Nebraska avg
View
▼
Rate1.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▼ 0.40% below avgNationally 2.13%
Details

No Penalty feature available on 3 month CD only; Interest compounded quarterly; Quoted rates good through 11/17/2026

Rate History
No change since Oct 26, 2026 · 1.60% APY · checked 3 times
1.10%1.60%2.10%Oct 26, 2026: 1.60% APYOct 26, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.55% ▼ 0.45% below Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▼ 0.45% below avgNationally 2.13%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 1.55% APY · checked 3 times
1.05%1.55%2.05%Oct 20, 2026: 1.55% APYOct 20, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.50% ▼ 0.50% below Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▼ 0.50% below avgNationally 2.13%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 31, 2026
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Certificates of Deposit - 3 Month
$500
1.50% ▼ 0.50% below Nebraska avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▼ 0.50% below avgNationally 2.13%
Details

Rate History
No change since Oct 21, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 21, 2026: 1.50% APYOct 21, 2026Oct 31, 2026
SN Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
3 Month IRA Certificate of Deposit
$250
1.25% ▼ 0.75% below Nebraska avg
View
▼
Rate1.24%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▼ 0.75% below avgNationally 2.13%
Details

Balance: $25,000 - $49,999.99

Rate History
No change since Oct 20, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Oct 20, 2026: 1.25% APYOct 20, 2026Oct 31, 2026
SN Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
Certificate of Deposit - 3 Months
$0
1.25% ▼ 0.75% below Nebraska avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▼ 0.75% below avgNationally 2.13%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 31, 2026
LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Share Certificate - 3 Months
$0
1.25% ▼ 0.75% below Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.00%▼ 0.75% below avgNationally 2.13%
Details

Rate printed as 1.25%***; footnote *** not reproduced

Rate History
No change since Oct 15, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Oct 15, 2026: 1.25% APYOct 15, 2026Oct 31, 2026
Henderson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3 Month CD
$500
1.20% ▼ 0.80% below Nebraska avg
View
▼
Rate1.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.00%▼ 0.80% below avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 1.20% APY · checked 3 times
0.70%1.20%1.70%Oct 22, 2026: 1.20% APYOct 22, 2026Oct 31, 2026
Chadron Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
Certificates of Deposit - 3 Months
$500
1.01% ▼ 0.99% below Nebraska avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.00%▼ 0.99% below avgNationally 2.13%
Details

Minimum: $500 Adult / $100 Youth; Dividend Rate: 1.00%

Rate History
No change since Oct 22, 2026 · 1.01% APY · checked 3 times
0.51%1.01%1.51%Oct 22, 2026: 1.01% APYOct 22, 2026Oct 31, 2026
The Bank of Steinauer
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Month
$500
1.00% ▼ 1.00% below Nebraska avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▼ 1.00% below avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 31, 2026
FNB of Johnson
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-Month CD
$0
1.00% ▼ 1.00% below Nebraska avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▼ 1.00% below avgNationally 2.13%
Details

Rate History
No change since Sep 7, 2026 · 1.00% APY · checked 12 times
0.50%1.00%1.50%Sep 7, 2026: 1.00% APYSep 7, 2026Oct 31, 2026
First Tri County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 90-Day
$0
1.00% ▼ 1.00% below Nebraska avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.00%▼ 1.00% below avgNationally 2.13%
Details

Substantial penalty for early withdrawal

Rate History
No change since Oct 26, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 26, 2026: 1.00% APYOct 26, 2026Oct 31, 2026

Dawson 6 Month CD Rates

Nebraska 6 Month CD Average3.04% APYNational 2.79%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
6 Month Certificates of Deposit
$0
4.25% ▲ 1.21% above Nebraska avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 1.21% above avgNationally 2.79%
Details

Balance: $10,000 and over

Rate History
1 change since Sep 19, 2026 · 3.03% → 4.25% ▲ 1.22 pts · high 4.25% / low 3.03%
1.81%3.64%5.47%Sep 19, 2026: 3.03% APYOct 31, 2026: 4.25% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20264.25%▲ from 3.03%
  • Sep 19, 20263.03%first recorded
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Certificate of Deposit - 6 Months
$0
4.20% ▲ 1.16% above Nebraska avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.04%▲ 1.16% above avgNationally 2.79%
Details

Rate History
No change since Oct 28, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 28, 2026: 4.20% APYOct 28, 2026Oct 31, 2026
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
6 Month CD Special
$2,500
4.20% ▲ 1.16% above Nebraska avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 1.16% above avgNationally 2.79%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal

Rate History
1 change since Sep 29, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 29, 2026: 4.00% APYOct 14, 2026: 4.20% APYSep 29, 2026Oct 31, 2026
  • Oct 14, 20264.20%▲ from 4.00%
  • Sep 29, 20264.00%first recorded
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
6 Month CD
$1,000
4.14% ▲ 1.10% above Nebraska avg
View
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 1.10% above avgNationally 2.79%
Details

Current as of October 26, 2026; early withdrawal penalty may apply; automatically renews into a like term

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.14% ▲ 0.24 pts · high 4.14% / low 3.90%
3.40%4.02%4.64%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.14% APYSep 14, 2026Oct 31, 2026
  • Sep 24, 20264.14%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Enterprise Bank Omaha, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
CD Specials - 6 Months
$10,000
4.10% ▲ 1.06% above Nebraska avg
View
▼
Rate4.04%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.04%▲ 1.06% above avgNationally 2.79%
Details

New money only; Early withdrawal penalties may apply

Rate History
1 change since Sep 24, 2026 · 0.50% → 4.10% ▲ 3.60 pts · high 4.10% / low 0.50%
0.00%3.85%7.70%Sep 24, 2026: 0.50% APYOct 14, 2026: 4.10% APYSep 24, 2026Oct 31, 2026
  • Oct 14, 20264.10%▲ from 0.50%
  • Sep 24, 20260.50%first recorded
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificate of Deposit 6 Month
$250
4.07% ▲ 1.03% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 1.03% above avgNationally 2.79%
Details

Rate History
No change since Oct 21, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 21, 2026: 4.07% APYOct 21, 2026Oct 31, 2026
The Bank of Steinauer
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 6 Month
$500
4.06% ▲ 1.02% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 1.02% above avgNationally 2.79%
Details

Rate History
1 change since Oct 14, 2026 · 3.86% → 4.06% ▲ 0.20 pts · high 4.06% / low 3.86%
3.36%3.96%4.56%Oct 14, 2026: 3.86% APYOct 26, 2026: 4.06% APYOct 14, 2026Oct 31, 2026
  • Oct 26, 20264.06%▲ from 3.86%
  • Oct 14, 20263.86%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 6 Month
$0
4.06% ▲ 1.02% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 1.02% above avgNationally 2.79%
Details

Rate History
No change since Sep 9, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Sep 9, 2026: 4.06% APYSep 9, 2026Oct 31, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
6 Month Certificate of Deposits (CDs)
$0
4.06% ▲ 1.02% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average3.04%▲ 1.02% above avgNationally 2.79%
Details

Balance: $150,000 and over; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 21, 2026: 4.06% APYOct 21, 2026Oct 31, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6 Month Certificate of Deposit
$1,000
4.05% ▲ 1.01% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 1.01% above avgNationally 2.79%
Details

Open Online

Rate History
2 changes since Sep 18, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 18, 2026: 3.80% APYSep 24, 2026: 4.00% APYOct 14, 2026: 4.05% APYSep 18, 2026Oct 31, 2026
  • Oct 14, 20264.05%▲ from 4.00%
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
FNB of Johnson
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month CD
$0
4.05% ▲ 1.01% above Nebraska avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 1.01% above avgNationally 2.79%
Details

Rate History
3 changes since Sep 7, 2026 · 1.51% → 4.05% ▲ 2.54 pts · high 4.05% / low 1.51%
0.00%3.30%6.59%Sep 7, 2026: 1.51% APYSep 19, 2026: 3.80% APYOct 3, 2026: 4.00% APYOct 14, 2026: 4.05% APYSep 7, 2026Oct 31, 2026
  • Oct 14, 20264.05%▲ from 4.00%
  • Oct 3, 20264.00%▲ from 3.80%
  • Sep 19, 20263.80%▲ from 1.51%
  • Sep 7, 20261.51%first recorded
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
6 Month Certificates of Deposit (CDs)
$0
4.04% ▲ 1.00% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 1.00% above avgNationally 2.79%
Details

Balance: => $100,000

Rate History
No change since Oct 20, 2026 · 4.04% APY · checked 4 times
3.54%4.04%4.54%Oct 20, 2026: 4.04% APYOct 20, 2026Oct 31, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
6 Month Special CDs
$0
4.04% ▲ 1.00% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 1.00% above avgNationally 2.79%
Details

Balance: => $100,000; Penalty for early withdrawal

Rate History
No change since Sep 30, 2026 · 4.04% APY · checked 9 times
3.54%4.04%4.54%Sep 30, 2026: 4.04% APYSep 30, 2026Oct 31, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
Special CD - 6 Months
$0
4.04% ▲ 1.00% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 1.00% above avgNationally 2.79%
Details

Balance: => $100,000; Penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.04% APY · checked 2 times
3.54%4.04%4.54%Oct 20, 2026: 4.04% APYOct 20, 2026Oct 31, 2026
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Traditional Time Deposit - 6 months
$1,000
4.01% ▲ 0.97% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.97% above avgNationally 2.79%
Details

Traditional Time Deposit; APY effective 10/20/2026; Interest cannot remain on deposit; payout of interest is mandatory; Penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.01% APY · checked 5 times
3.51%4.01%4.51%Oct 20, 2026: 4.01% APYOct 20, 2026Oct 31, 2026
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month CD
$0
4.01% ▲ 0.97% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.97% above avgNationally 2.79%
Details

Balance: $75,000.00 and up

Rate History
1 change since Sep 11, 2026 · 3.85% → 4.01% ▲ 0.16 pts · high 4.01% / low 3.85%
3.35%3.93%4.51%Sep 11, 2026: 3.85% APYOct 3, 2026: 4.01% APYSep 11, 2026Oct 31, 2026
  • Oct 3, 20264.01%▲ from 3.85%
  • Sep 11, 20263.85%first recorded
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Month CD
$500
4.01% ▲ 0.97% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.04%▲ 0.97% above avgNationally 2.79%
Details

Substantial penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 4.01% APY · checked 9 times
3.51%4.01%4.51%Sep 20, 2026: 4.01% APYSep 20, 2026Oct 31, 2026
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
6-Month CD
$500
4.00% ▲ 0.96% above Nebraska avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.96% above avgNationally 2.79%
Details

Balance: $10,000.00 and up

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 20, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 20, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
6 Month Certificate of Deposit
$500
4.00% ▲ 0.96% above Nebraska avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.96% above avgNationally 2.79%
Details

Penalty for early withdrawal: 3 months interest on CDs with a term of 12 months and under; 6 months interest on CDs with a term of more than 12 months

Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 31, 2026
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 6 Month
$500
4.00% ▲ 0.96% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.96% above avgNationally 2.79%
Details

Rate History
1 change since Oct 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 14, 2026: 3.75% APYOct 21, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
  • Oct 21, 20264.00%▲ from 3.75%
  • Oct 14, 20263.75%first recorded
SN Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
Certificate of Deposit - 6 Months
$0
4.00% ▲ 0.96% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.96% above avgNationally 2.79%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Henderson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month Special CD
$500
4.00% ▲ 0.96% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.04%▲ 0.96% above avgNationally 2.79%
Details

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
6 Month Share Certificate
$0
4.00% ▲ 0.96% above Nebraska avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.04%▲ 0.96% above avgNationally 2.79%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 31, 2026
Omaha Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificate Special - 6 Months
$2,500
4.00% ▲ 0.96% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.04%▲ 0.96% above avgNationally 2.79%
Details

Certificate Special; $2,500 minimum investment; Limited-time offer; Certificate rates and yields based on a quarterly dividend; rate shown as APR 3.94%

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 31, 2026
Gallup Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
6 Month Certificates of Deposit (CDs)
$0
4.00% ▲ 0.96% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.04%▲ 0.96% above avgNationally 2.79%
Details

$50,000 Minimum tier

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
Archer Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
6 Month Share & IRA Certificate
$500
4.00% ▲ 0.96% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.04%▲ 0.96% above avgNationally 2.79%
Details

Minimum $500.00 to open certificate

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month CD
$0
3.96% ▲ 0.92% above Nebraska avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.92% above avgNationally 2.79%
Details

Balance: $50,000.00 - $74,999.99

Rate History
1 change since Sep 11, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80%
3.30%3.88%4.46%Sep 11, 2026: 3.80% APYOct 3, 2026: 3.96% APYSep 11, 2026Oct 31, 2026
  • Oct 3, 20263.96%▲ from 3.80%
  • Sep 11, 20263.80%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
6 Month Certificate of Deposits (CDs)
$0
3.96% ▲ 0.92% above Nebraska avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average3.04%▲ 0.92% above avgNationally 2.79%
Details

Balance: $50,000 - $149,999.99; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 21, 2026: 3.96% APYOct 21, 2026Oct 31, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate - 6 Months - Member Loyalty
$0
3.95% ▲ 0.91% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.04%▲ 0.91% above avgNationally 2.79%
Details

Member Loyalty APY; Balance: $100,000.00 & greater; Period: Quarterly

Rate History
1 change since Oct 19, 2026 · 4.10% → 3.95% ▼ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Oct 19, 2026: 4.10% APYOct 29, 2026: 3.95% APYOct 19, 2026Oct 31, 2026
  • Oct 29, 20263.95%▼ from 4.10%
  • Oct 19, 20264.10%first recorded
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
6 Month CD
$1,000
3.90% ▲ 0.86% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.86% above avgNationally 2.79%
Details

Rates effective as of 10/05/2026; Rate and APY fixed for the term of the CD

Rate History
1 change since Sep 19, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Sep 19, 2026: 3.70% APYOct 7, 2026: 3.90% APYSep 19, 2026Oct 31, 2026
  • Oct 7, 20263.90%▲ from 3.70%
  • Sep 19, 20263.70%first recorded
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Certificates of Deposit - 6 Month
$1,000
3.90% ▲ 0.86% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.04%▲ 0.86% above avgNationally 2.79%
Details

Compounds Quarterly

Rate History
1 change since Oct 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Oct 14, 2026: 3.80% APYOct 22, 2026: 3.90% APYOct 14, 2026Oct 31, 2026
  • Oct 22, 20263.90%▲ from 3.80%
  • Oct 14, 20263.80%first recorded
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6 Month Certificate
$0
3.90% ▲ 0.86% above Nebraska avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.04%▲ 0.86% above avgNationally 2.79%
Details

Rate History
1 change since Sep 20, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85%
3.35%3.88%4.40%Sep 20, 2026: 3.85% APYOct 4, 2026: 3.90% APYSep 20, 2026Oct 31, 2026
  • Oct 4, 20263.90%▲ from 3.85%
  • Sep 20, 20263.85%first recorded
First Lincoln Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.25%
6 Month IRA Share Certificate
$1,000
3.86% ▲ 0.82% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.04%▲ 0.82% above avgNationally 2.79%
Details

Dividends compound monthly; fixed rate, early withdrawal penalty applies

Rate History
No change since Sep 18, 2026 · 3.86% APY · checked 9 times
3.36%3.86%4.36%Sep 18, 2026: 3.86% APYSep 18, 2026Oct 31, 2026
First Lincoln Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.25%
6 Month Share Certificate
$1,000
3.86% ▲ 0.82% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.04%▲ 0.82% above avgNationally 2.79%
Details

Dividends compound monthly; fixed rate, early withdrawal penalty applies

Rate History
No change since Oct 12, 2026 · 3.86% APY · checked 3 times
3.36%3.86%4.36%Oct 12, 2026: 3.86% APYOct 12, 2026Oct 31, 2026
First Lincoln Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.25%
Share Certificate - 6 Months
$1,000
3.86% ▲ 0.82% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.04%▲ 0.82% above avgNationally 2.79%
Details

Rates effective as of August 13, 2025; fixed for term; penalty for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.86% APY · checked 2 times
3.36%3.86%4.36%Oct 23, 2026: 3.86% APYOct 23, 2026Oct 31, 2026
First Tri County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 6-Month
$0
3.85% ▲ 0.81% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.81% above avgNationally 2.79%
Details

Substantial penalty for early withdrawal

Rate History
No change since Oct 26, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 26, 2026: 3.85% APYOct 26, 2026Oct 31, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
6 Month Certificate of Deposits (CDs)
$0
3.85% ▲ 0.81% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average3.04%▲ 0.81% above avgNationally 2.79%
Details

Balance: $500 - $49,999.99; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 21, 2026: 3.85% APYOct 21, 2026Oct 31, 2026
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$500
3.85% ▲ 0.81% above Nebraska avg
View
▼
Rate3.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.04%▲ 0.81% above avgNationally 2.79%
Details

Balance: $500.00 minimum to obtain APY

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 14, 2026: 3.60% APYOct 28, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20263.85%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Nebraska Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6 Month Share Certificate
$5,000
3.85% ▲ 0.81% above Nebraska avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.04%▲ 0.81% above avgNationally 2.79%
Details

Credited: Monthly

Rate History
1 change since Oct 13, 2026 · 3.90% → 3.85% ▼ 0.05 pts · high 3.90% / low 3.85%
3.35%3.88%4.40%Oct 13, 2026: 3.90% APYOct 29, 2026: 3.85% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20263.85%▼ from 3.90%
  • Oct 13, 20263.90%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate - 6 Months - Member Loyalty
$0
3.85% ▲ 0.81% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.04%▲ 0.81% above avgNationally 2.79%
Details

Member Loyalty APY; Balance: $1,000.00-99,999.99; Period: Quarterly

Rate History
1 change since Oct 19, 2026 · 4.10% → 3.85% ▼ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Oct 19, 2026: 4.10% APYOct 29, 2026: 3.85% APYOct 19, 2026Oct 31, 2026
  • Oct 29, 20263.85%▼ from 4.10%
  • Oct 19, 20264.10%first recorded
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Certificate of Deposit
$1,000
3.80% ▲ 0.76% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.76% above avgNationally 2.79%
Details

How to Apply: Open Online; Rate for balances below $250,000; add 0.25% for balances at or over $250,000.00

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 31, 2026
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month CD
$0
3.80% ▲ 0.76% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.76% above avgNationally 2.79%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 11, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 11, 2026: 3.65% APYOct 3, 2026: 3.80% APYSep 11, 2026Oct 31, 2026
  • Oct 3, 20263.80%▲ from 3.65%
  • Sep 11, 20263.65%first recorded
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
6 Mo CD
$1,000
3.80% ▲ 0.76% above Nebraska avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.04%▲ 0.76% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 10 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
6 Month Certificate
$0
3.80% ▲ 0.76% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.04%▲ 0.76% above avgNationally 2.79%
Details

Compounding: Quarterly

Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 12, 2026: 3.80% APYSep 12, 2026Oct 31, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Business Term Share Certificate
$0
3.80% ▲ 0.76% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.04%▲ 0.76% above avgNationally 2.79%
Details

Balance: $100,000.00 and greater; Period: Quarterly

Rate History
1 change since Sep 14, 2026 · 4.05% → 3.80% ▼ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 14, 2026: 4.05% APYOct 29, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20263.80%▼ from 4.05%
  • Sep 14, 20264.05%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate - 6 Months
$0
3.80% ▲ 0.76% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.04%▲ 0.76% above avgNationally 2.79%
Details

Balance: $100,000.00 & greater; Period: Quarterly

Rate History
1 change since Sep 14, 2026 · 4.05% → 3.80% ▼ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 14, 2026: 4.05% APYOct 29, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20263.80%▼ from 4.05%
  • Sep 14, 20264.05%first recorded
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
6 Month Certificates of Deposit (CDs)
$0
3.79% ▲ 0.75% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.75% above avgNationally 2.79%
Details

Balance: < $100,000

Rate History
No change since Oct 20, 2026 · 3.79% APY · checked 4 times
3.29%3.79%4.29%Oct 20, 2026: 3.79% APYOct 20, 2026Oct 31, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
6 Month Special CDs
$0
3.79% ▲ 0.75% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.75% above avgNationally 2.79%
Details

Balance: < $100,000; Penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.79% APY · checked 3 times
3.29%3.79%4.29%Oct 20, 2026: 3.79% APYOct 20, 2026Oct 31, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 6 Months
$500
3.79% ▲ 0.75% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.75% above avgNationally 2.79%
Details

Penalty for early withdrawal.

Rate History
No change since Oct 6, 2026 · 3.79% APY · checked 7 times
3.29%3.79%4.29%Oct 6, 2026: 3.79% APYOct 6, 2026Oct 31, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
IRA 6 MONTH CD
$100
3.79% ▲ 0.75% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.04%▲ 0.75% above avgNationally 2.79%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 30, 2026 · 3.79% APY · checked 9 times
3.29%3.79%4.29%Sep 30, 2026: 3.79% APYSep 30, 2026Oct 31, 2026

Dawson 12 Month CD Rates

Nebraska 12 Month CD Average3.10% APYNational 3.01%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.25% above Nebraska avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.25% above avgNationally 3.01%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 31, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
12 Month CD
$1,000
4.35% ▲ 1.25% above Nebraska avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.25% above avgNationally 3.01%
Details

Current as of October 26, 2026; early withdrawal penalty may apply; automatically renews into a like term

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95%
3.45%4.15%4.85%Sep 14, 2026: 3.95% APYOct 26, 2026: 4.35% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.35%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
12 Month Certificates of Deposit
$0
4.35% ▲ 1.25% above Nebraska avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.25% above avgNationally 3.01%
Details

Balance: $10,000 and over

Rate History
1 change since Sep 19, 2026 · 3.29% → 4.35% ▲ 1.06 pts · high 4.35% / low 3.29%
2.23%3.82%5.41%Sep 19, 2026: 3.29% APYOct 31, 2026: 4.35% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20264.35%▲ from 3.29%
  • Sep 19, 20263.29%first recorded
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CD Specials - 12 MONTH
$10,000
4.35% ▲ 1.25% above Nebraska avg
View
▼
Rate4.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.25% above avgNationally 3.01%
Details

Rate History
No change since Oct 31, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 31, 2026: 4.35% APYOct 31, 2026Oct 31, 2026
The Bank of Steinauer
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 12 Month
$500
4.32% ▲ 1.22% above Nebraska avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.22% above avgNationally 3.01%
Details

Rate History
1 change since Oct 14, 2026 · 4.01% → 4.32% ▲ 0.31 pts · high 4.32% / low 4.01%
3.51%4.17%4.82%Oct 14, 2026: 4.01% APYOct 26, 2026: 4.32% APYOct 14, 2026Oct 31, 2026
  • Oct 26, 20264.32%▲ from 4.01%
  • Oct 14, 20264.01%first recorded
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Certificate of Deposit - 12 Months
$0
4.30% ▲ 1.20% above Nebraska avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.10%▲ 1.20% above avgNationally 3.01%
Details

Rate History
No change since Oct 28, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 28, 2026: 4.30% APYOct 28, 2026Oct 31, 2026
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
IRA CD - 12 Months
$0
4.30% ▲ 1.20% above Nebraska avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.10%▲ 1.20% above avgNationally 3.01%
Details

Rate History
No change since Oct 28, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 28, 2026: 4.30% APYOct 28, 2026Oct 31, 2026
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
12 Month CD
$500
4.28% ▲ 1.18% above Nebraska avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.10%▲ 1.18% above avgNationally 3.01%
Details

Substantial penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 4.28% APY · checked 9 times
3.78%4.28%4.78%Sep 20, 2026: 4.28% APYSep 20, 2026Oct 31, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12 Month Certificate of Deposit
$1,000
4.25% ▲ 1.15% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.15% above avgNationally 3.01%
Details

Open Online

Rate History
2 changes since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 18, 2026: 3.85% APYSep 24, 2026: 4.05% APYOct 14, 2026: 4.25% APYSep 18, 2026Oct 31, 2026
  • Oct 14, 20264.25%▲ from 4.05%
  • Sep 24, 20264.05%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
12 Month CD Special
$2,500
4.25% ▲ 1.15% above Nebraska avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.15% above avgNationally 3.01%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal

Rate History
1 change since Sep 29, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 29, 2026: 4.10% APYOct 14, 2026: 4.25% APYSep 29, 2026Oct 31, 2026
  • Oct 14, 20264.25%▲ from 4.10%
  • Sep 29, 20264.10%first recorded
FNB of Johnson
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month CD
$0
4.25% ▲ 1.15% above Nebraska avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.15% above avgNationally 3.01%
Details

Rate History
3 changes since Sep 7, 2026 · 2.01% → 4.25% ▲ 2.24 pts · high 4.25% / low 2.01%
0.00%3.25%6.49%Sep 7, 2026: 2.01% APYSep 19, 2026: 3.85% APYOct 3, 2026: 4.05% APYOct 14, 2026: 4.25% APYSep 7, 2026Oct 31, 2026
  • Oct 14, 20264.25%▲ from 4.05%
  • Oct 3, 20264.05%▲ from 3.85%
  • Sep 19, 20263.85%▲ from 2.01%
  • Sep 7, 20262.01%first recorded
Henderson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
12 Month Special CD
$500
4.25% ▲ 1.15% above Nebraska avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.10%▲ 1.15% above avgNationally 3.01%
Details

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificate of Deposit 12 Month
$250
4.22% ▲ 1.12% above Nebraska avg
View
▼
Rate4.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.12% above avgNationally 3.01%
Details

Rate History
No change since Oct 21, 2026 · 4.22% APY · checked 3 times
3.72%4.22%4.72%Oct 21, 2026: 4.22% APYOct 21, 2026Oct 31, 2026
Archer Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
12 Month Share & IRA Certificate
$500
4.20% ▲ 1.10% above Nebraska avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.10%▲ 1.10% above avgNationally 3.01%
Details

Minimum $500.00 to open certificate

Rate History
No change since Oct 26, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 26, 2026: 4.20% APYOct 26, 2026Oct 31, 2026
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month CD
$0
4.19% ▲ 1.09% above Nebraska avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.09% above avgNationally 3.01%
Details

Balance: $75,000.00 and up

Rate History
1 change since Sep 11, 2026 · 3.99% → 4.19% ▲ 0.20 pts · high 4.19% / low 3.99%
3.49%4.09%4.69%Sep 11, 2026: 3.99% APYOct 3, 2026: 4.19% APYSep 11, 2026Oct 31, 2026
  • Oct 3, 20264.19%▲ from 3.99%
  • Sep 11, 20263.99%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 12 Month
$0
4.16% ▲ 1.06% above Nebraska avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.06% above avgNationally 3.01%
Details

Rate History
No change since Sep 9, 2026 · 4.16% APY · checked 5 times
3.66%4.16%4.66%Sep 9, 2026: 4.16% APYSep 9, 2026Oct 31, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
12 Month Certificate of Deposits (CDs)
$0
4.16% ▲ 1.06% above Nebraska avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average3.10%▲ 1.06% above avgNationally 3.01%
Details

Balance: $150,000 and over; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Oct 21, 2026: 4.16% APYOct 21, 2026Oct 31, 2026
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
12 Month CD
$1,000
4.15% ▲ 1.05% above Nebraska avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.05% above avgNationally 3.01%
Details

Rates effective as of 10/05/2026; Rate and APY fixed for the term of the CD

Rate History
1 change since Sep 19, 2026 · 3.60% → 4.15% ▲ 0.55 pts · high 4.15% / low 3.60%
3.05%3.88%4.70%Sep 19, 2026: 3.60% APYOct 7, 2026: 4.15% APYSep 19, 2026Oct 31, 2026
  • Oct 7, 20264.15%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
Enterprise Bank Omaha, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
CD Specials - 12 Months
$10,000
4.15% ▲ 1.05% above Nebraska avg
View
▼
Rate4.09%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.10%▲ 1.05% above avgNationally 3.01%
Details

New money only; Early withdrawal penalties may apply

Rate History
1 change since Sep 24, 2026 · 0.75% → 4.15% ▲ 3.40 pts · high 4.15% / low 0.75%
0.00%3.78%7.55%Sep 24, 2026: 0.75% APYOct 14, 2026: 4.15% APYSep 24, 2026Oct 31, 2026
  • Oct 14, 20264.15%▲ from 0.75%
  • Sep 24, 20260.75%first recorded
Henderson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
12 Month CD
$500
4.15% ▲ 1.05% above Nebraska avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.10%▲ 1.05% above avgNationally 3.01%
Details

Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 31, 2026
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month CD
$0
4.14% ▲ 1.04% above Nebraska avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.04% above avgNationally 3.01%
Details

Balance: $50,000.00 - $74,999.99

Rate History
1 change since Sep 11, 2026 · 3.94% → 4.14% ▲ 0.20 pts · high 4.14% / low 3.94%
3.44%4.04%4.64%Sep 11, 2026: 3.94% APYOct 3, 2026: 4.14% APYSep 11, 2026Oct 31, 2026
  • Oct 3, 20264.14%▲ from 3.94%
  • Sep 11, 20263.94%first recorded
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Traditional Time Deposit - 12 months
$1,000
4.11% ▲ 1.01% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.01% above avgNationally 3.01%
Details

Traditional Time Deposit; APY effective 10/20/2026; Interest cannot remain on deposit; payout of interest is mandatory; Penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Oct 20, 2026: 4.11% APYOct 20, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10% ▲ 1.00% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.00% above avgNationally 3.01%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
12 Month Certificate of Deposit
$500
4.10% ▲ 1.00% above Nebraska avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.00% above avgNationally 3.01%
Details

Penalty for early withdrawal: 3 months interest on CDs with a term of 12 months and under; 6 months interest on CDs with a term of more than 12 months

Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 31, 2026
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 12 Month
$500
4.10% ▲ 1.00% above Nebraska avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 1.00% above avgNationally 3.01%
Details

Rate History
1 change since Oct 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Oct 14, 2026: 3.85% APYOct 21, 2026: 4.10% APYOct 14, 2026Oct 31, 2026
  • Oct 21, 20264.10%▲ from 3.85%
  • Oct 14, 20263.85%first recorded
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
12 Month Share Certificate
$0
4.10% ▲ 1.00% above Nebraska avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.10%▲ 1.00% above avgNationally 3.01%
Details

Rate History
1 change since Sep 20, 2026 · 3.50% → 4.10% ▲ 0.60 pts · high 4.10% / low 3.50%
2.90%3.80%4.70%Sep 20, 2026: 3.50% APYOct 8, 2026: 4.10% APYSep 20, 2026Oct 31, 2026
  • Oct 8, 20264.10%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
Gallup Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
12 Month Loyalty CD
$0
4.10% ▲ 1.00% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.10%▲ 1.00% above avgNationally 3.01%
Details

Special Program; Special Program terms and restrictions apply. Rates as of 07/01/2026

Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 22, 2026: 4.10% APYOct 22, 2026Oct 31, 2026
Nebraska Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1 Year Share Certificate
$5,000
4.10% ▲ 1.00% above Nebraska avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.10%▲ 1.00% above avgNationally 3.01%
Details

Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 29, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Nebraska Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
IRA 12 Month Certificate
$100
4.10% ▲ 1.00% above Nebraska avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.10%▲ 1.00% above avgNationally 3.01%
Details

Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 29, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Lincoln Public School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
12 Month Share Certificate (CD)
$0
4.07% ▲ 0.97% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.10%▲ 0.97% above avgNationally 3.01%
Details

12 months; certificate rate with APY

Rate History
No change since Oct 23, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 31, 2026
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month Certificate of Deposit
$1,000
4.06% ▲ 0.96% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 0.96% above avgNationally 3.01%
Details

How to Apply: Open Online; Rate for balances below $250,000; add 0.25% for balances at or over $250,000.00

Rate History
No change since Oct 14, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Oct 14, 2026: 4.06% APYOct 14, 2026Oct 31, 2026
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Certificate of Deposit - 12 Month
$1,000
4.06% ▲ 0.96% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 0.96% above avgNationally 3.01%
Details

Rate History
No change since Oct 14, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Oct 14, 2026: 4.06% APYOct 14, 2026Oct 31, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
12 Month Certificate of Deposits (CDs)
$0
4.06% ▲ 0.96% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average3.10%▲ 0.96% above avgNationally 3.01%
Details

Balance: $50,000 - $149,999.99; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 21, 2026: 4.06% APYOct 21, 2026Oct 31, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
12 Mo CD
$5,000
4.06% ▲ 0.96% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.10%▲ 0.96% above avgNationally 3.01%
Details

Rate History
2 changes since Sep 14, 2026 · 3.75% → 4.06% ▲ 0.31 pts · high 4.06% / low 3.75%
3.25%3.91%4.56%Sep 14, 2026: 3.75% APYOct 8, 2026: 3.85% APYOct 14, 2026: 4.06% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.06%▲ from 3.85%
  • Oct 8, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05% ▲ 0.95% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 0.95% above avgNationally 3.01%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 31, 2026
Omaha Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificate Special - 12 Months
$2,500
4.05% ▲ 0.95% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.10%▲ 0.95% above avgNationally 3.01%
Details

Certificate Special; $2,500 minimum investment; Limited-time offer; Certificate rates and yields based on a quarterly dividend; rate shown as APR 3.99%

Rate History
No change since Oct 9, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 9, 2026: 4.05% APYOct 9, 2026Oct 31, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
12 Month Certificate and IRA - Member Loyalty
$0
4.05% ▲ 0.95% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.10%▲ 0.95% above avgNationally 3.01%
Details

Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly

Rate History
No change since Oct 19, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 31, 2026
FNB of Gordon
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Certificate of Deposit - 12 Month
$1,000
4.03% ▲ 0.93% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 0.93% above avgNationally 3.01%
Details

Interest compounded daily; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.03% APY · checked 5 times
3.53%4.03%4.53%Oct 14, 2026: 4.03% APYOct 14, 2026Oct 31, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
12 Mo CD
$1,000
4.01% ▲ 0.91% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.10%▲ 0.91% above avgNationally 3.01%
Details

Rate History
2 changes since Sep 14, 2026 · 3.65% → 4.01% ▲ 0.36 pts · high 4.01% / low 3.65%
3.15%3.83%4.51%Sep 14, 2026: 3.65% APYOct 8, 2026: 3.75% APYOct 14, 2026: 4.01% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.01%▲ from 3.75%
  • Oct 8, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Nebraska State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
IRA Share Certificate - 12 Month
$500
4.01% ▲ 0.91% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.10%▲ 0.91% above avgNationally 3.01%
Details

Traditional or Roth; Early withdrawal penalty may apply

Rate History
No change since Oct 26, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 26, 2026: 4.01% APYOct 26, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00% ▲ 0.90% above Nebraska avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 0.90% above avgNationally 3.01%
Details

Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
First Tri County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 12-Month (Special)
$0
4.00% ▲ 0.90% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.10%▲ 0.90% above avgNationally 3.01%
Details

Special rate; Substantial penalty for early withdrawal

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
I3 Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Certificate of Deposit - 12 Month
$500
4.00% ▲ 0.90% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.10%▲ 0.90% above avgNationally 3.01%
Details

Compound Frequency: Quarterly

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Henderson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
12 Month Flex CD
$500
4.00% ▲ 0.90% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.10%▲ 0.90% above avgNationally 3.01%
Details

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$500
4.00% ▲ 0.90% above Nebraska avg
View
▼
Rate3.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.10%▲ 0.90% above avgNationally 3.01%
Details

Balance: $500.00 minimum to obtain APY

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 14, 2026: 3.65% APYOct 28, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20264.00%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12 Month Certificate
$0
4.00% ▲ 0.90% above Nebraska avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.10%▲ 0.90% above avgNationally 3.01%
Details

Rate History
1 change since Sep 20, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 20, 2026: 3.90% APYOct 4, 2026: 4.00% APYSep 20, 2026Oct 31, 2026
  • Oct 4, 20264.00%▲ from 3.90%
  • Sep 20, 20263.90%first recorded
Gallup Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
12 Month Certificates of Deposit (CDs)
$0
4.00% ▲ 0.90% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.10%▲ 0.90% above avgNationally 3.01%
Details

$50,000 Minimum tier

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
Gallup Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
12 Month New Money CD
$0
4.00% ▲ 0.90% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.10%▲ 0.90% above avgNationally 3.01%
Details

Special Program; Special Program terms and restrictions apply. Rates as of 07/01/2026

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
12 Months Certificate
$1,000
4.00% ▲ 0.90% above Nebraska avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.10%▲ 0.90% above avgNationally 3.01%
Details

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 12 Months Certificate
$1,000
4.00% ▲ 0.90% above Nebraska avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.10%▲ 0.90% above avgNationally 3.01%
Details

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026

Dawson 18 Month CD Rates

Nebraska 18 Month CD Average2.91% APYNational 2.91%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Certificate of Deposit - 18 Months
$0
4.50% ▲ 1.59% above Nebraska avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.91%▲ 1.59% above avgNationally 2.91%
Details

Rate History
No change since Oct 28, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 28, 2026: 4.50% APYOct 28, 2026Oct 31, 2026
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
IRA CD - 18 Months
$0
4.50% ▲ 1.59% above Nebraska avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.91%▲ 1.59% above avgNationally 2.91%
Details

Rate History
No change since Oct 28, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 28, 2026: 4.50% APYOct 28, 2026Oct 31, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
18 Month Certificate of Deposit
$1,000
4.35% ▲ 1.44% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 1.44% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 18, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 18, 2026: 3.90% APYSep 24, 2026: 4.05% APYOct 7, 2026: 4.35% APYSep 18, 2026Oct 31, 2026
  • Oct 7, 20264.35%▲ from 4.05%
  • Sep 24, 20264.05%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Cattle Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Certificate of Deposit - 18 Months Special
$500
4.35% ▲ 1.44% above Nebraska avg
View
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 1.44% above avgNationally 2.91%
Details

Special; Penalties apply for early withdrawal; No brokered funds

Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Oct 20, 2026: 4.35% APYOct 20, 2026Oct 31, 2026
Archer Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
18 Month Share & IRA Certificate
$500
4.25% ▲ 1.34% above Nebraska avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.91%▲ 1.34% above avgNationally 2.91%
Details

Minimum $500.00 to open certificate

Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 31, 2026
Town & Country Bank Ravenna, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
18 Month CD Special
$2,500
4.20% ▲ 1.29% above Nebraska avg
View
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 1.29% above avgNationally 2.91%
Details

Certificate of deposit; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 11, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Oct 11, 2026: 4.20% APYOct 11, 2026Oct 31, 2026
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
18 Month Share Certificate
$0
4.20% ▲ 1.29% above Nebraska avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.91%▲ 1.29% above avgNationally 2.91%
Details

Rate History
1 change since Sep 20, 2026 · 3.00% → 4.20% ▲ 1.20 pts · high 4.20% / low 3.00%
1.80%3.60%5.40%Sep 20, 2026: 3.00% APYOct 8, 2026: 4.20% APYSep 20, 2026Oct 31, 2026
  • Oct 8, 20264.20%▲ from 3.00%
  • Sep 20, 20263.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15% ▲ 1.24% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 1.24% above avgNationally 2.91%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 18 Month
$500
4.15% ▲ 1.24% above Nebraska avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 1.24% above avgNationally 2.91%
Details

Rate History
1 change since Oct 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Oct 14, 2026: 3.90% APYOct 21, 2026: 4.15% APYOct 14, 2026Oct 31, 2026
  • Oct 21, 20264.15%▲ from 3.90%
  • Oct 14, 20263.90%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Month Certificate and IRA - Member Loyalty
$0
4.15% ▲ 1.24% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.91%▲ 1.24% above avgNationally 2.91%
Details

Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly

Rate History
1 change since Oct 19, 2026 · 3.50% → 4.15% ▲ 0.65 pts · high 4.15% / low 3.50%
2.85%3.83%4.80%Oct 19, 2026: 3.50% APYOct 29, 2026: 4.15% APYOct 19, 2026Oct 31, 2026
  • Oct 29, 20264.15%▲ from 3.50%
  • Oct 19, 20263.50%first recorded
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Traditional Time Deposit - 18 months
$1,000
4.11% ▲ 1.20% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 1.20% above avgNationally 2.91%
Details

Traditional Time Deposit; APY effective 10/20/2026; Interest cannot remain on deposit; payout of interest is mandatory; Penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Oct 20, 2026: 4.11% APYOct 20, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10% ▲ 1.19% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 1.19% above avgNationally 2.91%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
18 Month CD
$1,000
4.10% ▲ 1.19% above Nebraska avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 1.19% above avgNationally 2.91%
Details

Rates effective as of 10/05/2026; Rate and APY fixed for the term of the CD

Rate History
1 change since Sep 19, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 19, 2026: 3.60% APYOct 7, 2026: 4.10% APYSep 19, 2026Oct 31, 2026
  • Oct 7, 20264.10%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Certificates of Deposit - 18 Month
$10,000
4.10% ▲ 1.19% above Nebraska avg
View
▼
Rate4.04%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.91%▲ 1.19% above avgNationally 2.91%
Details

Compounds Quarterly

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Oct 14, 2026: 4.00% APYOct 22, 2026: 4.10% APYOct 14, 2026Oct 31, 2026
  • Oct 22, 20264.10%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
Omaha Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificate Special - 18 Months
$2,500
4.10% ▲ 1.19% above Nebraska avg
View
▼
Rate4.04%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.91%▲ 1.19% above avgNationally 2.91%
Details

Certificate Special; $2,500 minimum investment; Limited-time offer; Certificate rates and yields based on a quarterly dividend; rate shown as APR 4.04%

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 31, 2026
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
18 Month Certificates of Deposit
$0
4.06% ▲ 1.15% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 1.15% above avgNationally 2.91%
Details

Balance: $10,000 and over

Rate History
1 change since Sep 19, 2026 · 3.19% → 4.06% ▲ 0.87 pts · high 4.06% / low 3.19%
2.32%3.63%4.93%Sep 19, 2026: 3.19% APYOct 31, 2026: 4.06% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20264.06%▲ from 3.19%
  • Sep 19, 20263.19%first recorded
First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Certificate of Deposit
$500
4.05% ▲ 1.14% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 1.14% above avgNationally 2.91%
Details

Minimum $500

Rate History
2 changes since Oct 14, 2026 · 4.05% → 4.05% ▼ 0.00 pts · high 4.05% / low 3.81%
3.31%3.93%4.55%Oct 14, 2026: 4.05% APYOct 20, 2026: 3.81% APYOct 20, 2026: 4.05% APYOct 14, 2026Oct 31, 2026
  • Oct 20, 20264.05%▲ from 3.81%
  • Oct 20, 20263.81%▼ from 4.05%
  • Oct 14, 20264.05%first recorded
First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
CD - 18 Months
$500
4.05% ▲ 1.14% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 1.14% above avgNationally 2.91%
Details

Rate History
2 changes since Oct 14, 2026 · 4.05% → 4.05% ▼ 0.00 pts · high 4.05% / low 3.81%
3.31%3.93%4.55%Oct 14, 2026: 4.05% APYOct 20, 2026: 3.81% APYOct 20, 2026: 4.05% APYOct 14, 2026Oct 31, 2026
  • Oct 20, 20264.05%▲ from 3.81%
  • Oct 20, 20263.81%▼ from 4.05%
  • Oct 14, 20264.05%first recorded
Nebraska State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
IRA Share Certificate - 18 Month
$500
4.01% ▲ 1.10% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.91%▲ 1.10% above avgNationally 2.91%
Details

Traditional or Roth; Early withdrawal penalty may apply

Rate History
No change since Oct 26, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 26, 2026: 4.01% APYOct 26, 2026Oct 31, 2026
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
18 Month Certificate
$0
4.00% ▲ 1.09% above Nebraska avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.91%▲ 1.09% above avgNationally 2.91%
Details

Rate History
1 change since Sep 20, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 20, 2026: 3.90% APYOct 4, 2026: 4.00% APYSep 20, 2026Oct 31, 2026
  • Oct 4, 20264.00%▲ from 3.90%
  • Sep 20, 20263.90%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Month Business Term Share Certificate
$0
4.00% ▲ 1.09% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.91%▲ 1.09% above avgNationally 2.91%
Details

Balance: $100,000.00 and greater; Period: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYOct 29, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.00%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Month Certificate and IRA
$0
4.00% ▲ 1.09% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.91%▲ 1.09% above avgNationally 2.91%
Details

Balance: $100,000.00 & greater; Period: Quarterly

Rate History
1 change since Sep 18, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 18, 2026: 3.35% APYOct 29, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
  • Oct 29, 20264.00%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Business Certificates of Deposit - 18 Month
$1,000
3.91% ▲ 1.00% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 1.00% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 3.91% APY · checked 7 times
3.41%3.91%4.41%Oct 14, 2026: 3.91% APYOct 14, 2026Oct 31, 2026
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificate of Deposit - 18 Month
$1,000
3.91% ▲ 1.00% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 1.00% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 3.91% APY · checked 6 times
3.41%3.91%4.41%Oct 20, 2026: 3.91% APYOct 20, 2026Oct 31, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Month Business Term Share Certificate
$0
3.90% ▲ 0.99% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.91%▲ 0.99% above avgNationally 2.91%
Details

Balance: $1,000.00-99,999.99; Period: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
2.60%3.58%4.55%Sep 14, 2026: 3.25% APYOct 29, 2026: 3.90% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20263.90%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Month Certificate and IRA
$0
3.90% ▲ 0.99% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.91%▲ 0.99% above avgNationally 2.91%
Details

Balance: $1,000.00-99,999.99; Period: Quarterly

Rate History
1 change since Sep 18, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
2.60%3.58%4.55%Sep 18, 2026: 3.25% APYOct 29, 2026: 3.90% APYSep 18, 2026Oct 31, 2026
  • Oct 29, 20263.90%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
Great Plains State Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.53%
CD - 18 Months
$0
3.85% ▲ 0.94% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.91%▲ 0.94% above avgNationally 2.91%
Details

Certificate of deposit; substantial penalty for early withdrawal

Rate History
1 change since Oct 22, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Oct 22, 2026: 3.45% APYOct 27, 2026: 3.85% APYOct 22, 2026Oct 31, 2026
  • Oct 27, 20263.85%▲ from 3.45%
  • Oct 22, 20263.45%first recorded
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$500
3.85% ▲ 0.94% above Nebraska avg
View
▼
Rate3.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.91%▲ 0.94% above avgNationally 2.91%
Details

Balance: $500.00 minimum to obtain APY

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.85% ▲ 0.70 pts · high 3.85% / low 3.15%
2.45%3.50%4.55%Sep 14, 2026: 3.15% APYOct 28, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20263.85%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month Certificate of Deposit
$500
3.80% ▲ 0.89% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.91%▲ 0.89% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 22, 2026: 3.80% APYOct 22, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 18 Months
$500
3.80% ▲ 0.89% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.91%▲ 0.89% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Time Certificates of Deposit - 18 Months
$500
3.80% ▲ 0.89% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.91%▲ 0.89% above avgNationally 2.91%
Details

Term certificate of deposit

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.80% ▲ 0.80 pts · high 3.80% / low 3.00%
2.20%3.40%4.60%Sep 14, 2026: 3.00% APYOct 14, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20263.80%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 18 Months
$500
3.75% ▲ 0.84% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 0.84% above avgNationally 2.91%
Details

Penalty for early withdrawal.

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 31, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
IRA 18 MONTH CD
$100
3.75% ▲ 0.84% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 0.84% above avgNationally 2.91%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 30, 2026: 3.75% APYSep 30, 2026Oct 31, 2026
Gallup Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
18 Month Certificates of Deposit (CDs)
$0
3.75% ▲ 0.84% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.91%▲ 0.84% above avgNationally 2.91%
Details

$50,000 Minimum tier

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 31, 2026
FNB of Gordon
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Certificate of Deposit - 18 Month
$1,000
3.72% ▲ 0.81% above Nebraska avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 0.81% above avgNationally 2.91%
Details

Interest compounded daily; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.72% APY · checked 5 times
3.22%3.72%4.22%Oct 14, 2026: 3.72% APYOct 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70% ▲ 0.79% above Nebraska avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 0.79% above avgNationally 2.91%
Details

Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 31, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
18 Mo CD
$1,000
3.65% ▲ 0.74% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.91%▲ 0.74% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYOct 8, 2026: 3.65% APYSep 14, 2026Oct 31, 2026
  • Oct 8, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
18 Month CD
$1,000
3.60% ▲ 0.69% above Nebraska avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 0.69% above avgNationally 2.91%
Details

Current as of October 26, 2026; early withdrawal penalty may apply; automatically renews into a like term

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 14 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
Union Pacific Streamliner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
18-Month Share Certificate - Special
$0
3.60% ▲ 0.69% above Nebraska avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.91%▲ 0.69% above avgNationally 2.91%
Details

Early certificate closure: 180-day interest penalty fee

Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 25, 2026: 3.60% APYSep 25, 2026Oct 31, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD - 18 month
$50,000
3.60% ▲ 0.69% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.91%▲ 0.69% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 23, 2026: 3.60% APYOct 23, 2026Oct 31, 2026
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Certificate of Deposit
$1,000
3.55% ▲ 0.64% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 0.64% above avgNationally 2.91%
Details

How to Apply: Visit a branch; Rate for balances below $250,000; add 0.25% for balances at or over $250,000.00

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 31, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD - 18 month
$10,000
3.55% ▲ 0.64% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.91%▲ 0.64% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 23, 2026: 3.55% APYOct 23, 2026Oct 31, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
18 Mo IRA
$1,000
3.50% ▲ 0.59% above Nebraska avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.91%▲ 0.59% above avgNationally 2.91%
Details

Daily balance; early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 31, 2026
Union Pacific Streamliner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
18-Month Share Certificate
$0
3.45% ▲ 0.54% above Nebraska avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.91%▲ 0.54% above avgNationally 2.91%
Details

Early certificate closure: 180-day interest penalty fee

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 31, 2026
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Certificate of Deposit - 18 Month
$1,000
3.44% ▲ 0.53% above Nebraska avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 0.53% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 3.44% APY · checked 5 times
2.94%3.44%3.94%Oct 14, 2026: 3.44% APYOct 14, 2026Oct 31, 2026
TFB Tecumseh Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 Month Certificate
$0
3.44% ▲ 0.53% above Nebraska avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 0.53% above avgNationally 2.91%
Details

Balance: $10,000.00 and over

Rate History
No change since Sep 7, 2026 · 3.44% APY · checked 12 times
2.94%3.44%3.94%Sep 7, 2026: 3.44% APYSep 7, 2026Oct 31, 2026
Union Pacific Streamliner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
18-Month Share Certificate
$0
3.35% ▲ 0.44% above Nebraska avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.91%▲ 0.44% above avgNationally 2.91%
Details

Early certificate closure: 180-day interest penalty fee

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 31, 2026
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
18 Month Certificates of Deposit
$0
3.34% ▲ 0.43% above Nebraska avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 0.43% above avgNationally 2.91%
Details

Balance: $2,500 - $9,999

Rate History
1 change since Sep 19, 2026 · 2.52% → 3.34% ▲ 0.82 pts · high 3.34% / low 2.52%
1.70%2.93%4.16%Sep 19, 2026: 2.52% APYOct 31, 2026: 3.34% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20263.34%▲ from 2.52%
  • Sep 19, 20262.52%first recorded
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Certificates of Deposit - 18 Month
$500
3.30% ▲ 0.39% above Nebraska avg
View
▼
Rate3.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.91%▲ 0.39% above avgNationally 2.91%
Details

Rate History
No change since Oct 21, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 21, 2026: 3.30% APYOct 21, 2026Oct 31, 2026
LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Share Certificate - 18 Months
$0
3.30% ▲ 0.39% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.91%▲ 0.39% above avgNationally 2.91%
Details

Rate printed as 3.30%***; footnote *** not reproduced

Rate History
No change since Oct 15, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 15, 2026: 3.30% APYOct 15, 2026Oct 31, 2026

Dawson 24 Month CD Rates

Nebraska 24 Month CD Average3.03% APYNational 2.91%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Certificate of Deposit - 24 Months
$0
4.60% ▲ 1.57% above Nebraska avg
View
▼
Rate4.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.03%▲ 1.57% above avgNationally 2.91%
Details

Rate History
No change since Oct 28, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 28, 2026: 4.60% APYOct 28, 2026Oct 31, 2026
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
IRA CD - 24 Months
$0
4.60% ▲ 1.57% above Nebraska avg
View
▼
Rate4.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.03%▲ 1.57% above avgNationally 2.91%
Details

Rate History
No change since Oct 28, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 28, 2026: 4.60% APYOct 28, 2026Oct 31, 2026
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
24 Month CD
$500
4.45% ▲ 1.42% above Nebraska avg
View
▼
Rate4.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.03%▲ 1.42% above avgNationally 2.91%
Details

Substantial penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 4.45% APY · checked 9 times
3.95%4.45%4.95%Sep 20, 2026: 4.45% APYSep 20, 2026Oct 31, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
24 Month Certificate of Deposit
$1,000
4.40% ▲ 1.37% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.37% above avgNationally 2.91%
Details

Open Online

Rate History
2 changes since Sep 18, 2026 · 3.95% → 4.40% ▲ 0.45 pts · high 4.40% / low 3.95%
3.45%4.18%4.90%Sep 18, 2026: 3.95% APYSep 24, 2026: 4.00% APYOct 14, 2026: 4.40% APYSep 18, 2026Oct 31, 2026
  • Oct 14, 20264.40%▲ from 4.00%
  • Sep 24, 20264.00%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Bruning Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 24 Months Special
$10,000
4.35% ▲ 1.32% above Nebraska avg
View
▼
Rate4.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.32% above avgNationally 2.91%
Details

Compounds: Quarterly; Penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Oct 20, 2026: 4.35% APYOct 20, 2026Oct 31, 2026
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
24 Month Share Certificate
$0
4.35% ▲ 1.32% above Nebraska avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.03%▲ 1.32% above avgNationally 2.91%
Details

Rate History
1 change since Sep 20, 2026 · 2.50% → 4.35% ▲ 1.85 pts · high 4.35% / low 2.50%
0.65%3.43%6.20%Sep 20, 2026: 2.50% APYOct 8, 2026: 4.35% APYSep 20, 2026Oct 31, 2026
  • Oct 8, 20264.35%▲ from 2.50%
  • Sep 20, 20262.50%first recorded
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
24 Month CD
$2,500
4.33% ▲ 1.30% above Nebraska avg
View
▼
Rate4.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.30% above avgNationally 2.91%
Details

Balance: $75,000.00 and up; Interest Rate 4.25%, APY 4.33%

Rate History
1 change since Sep 11, 2026 · 4.21% → 4.33% ▲ 0.12 pts · high 4.33% / low 4.21%
3.71%4.27%4.83%Sep 11, 2026: 4.21% APYOct 3, 2026: 4.33% APYSep 11, 2026Oct 31, 2026
  • Oct 3, 20264.33%▲ from 4.21%
  • Sep 11, 20264.21%first recorded
Archer Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
24 Month Share & IRA Certificate
$500
4.30% ▲ 1.27% above Nebraska avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.03%▲ 1.27% above avgNationally 2.91%
Details

Minimum $500.00 to open certificate

Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 26, 2026: 4.30% APYOct 26, 2026Oct 31, 2026
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 24 Month
$0
4.27% ▲ 1.24% above Nebraska avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.24% above avgNationally 2.91%
Details

Rate History
No change since Sep 9, 2026 · 4.27% APY · checked 5 times
3.77%4.27%4.77%Sep 9, 2026: 4.27% APYSep 9, 2026Oct 31, 2026
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Certificate of Deposit - 24 Month
$1,000
4.27% ▲ 1.24% above Nebraska avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.24% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 4.27% APY · checked 5 times
3.77%4.27%4.77%Oct 14, 2026: 4.27% APYOct 14, 2026Oct 31, 2026
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
24 Month CD
$2,500
4.27% ▲ 1.24% above Nebraska avg
View
▼
Rate4.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.24% above avgNationally 2.91%
Details

Balance: $50,000.00 - $74,999.99; Interest Rate 4.20%, APY 4.27%

Rate History
1 change since Sep 11, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
3.66%4.22%4.77%Sep 11, 2026: 4.16% APYOct 3, 2026: 4.27% APYSep 11, 2026Oct 31, 2026
  • Oct 3, 20264.27%▲ from 4.16%
  • Sep 11, 20264.16%first recorded
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
24 Month Certificate of Deposit
$500
4.25% ▲ 1.22% above Nebraska avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.22% above avgNationally 2.91%
Details

Penalty for early withdrawal: 3 months interest on CDs with a term of 12 months and under; 6 months interest on CDs with a term of more than 12 months

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 31, 2026
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 24 Month
$500
4.25% ▲ 1.22% above Nebraska avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.22% above avgNationally 2.91%
Details

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Oct 14, 2026: 4.00% APYOct 21, 2026: 4.25% APYOct 14, 2026Oct 31, 2026
  • Oct 21, 20264.25%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
Cattle Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Certificate of Deposit - 24 Months Special
$500
4.25% ▲ 1.22% above Nebraska avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.22% above avgNationally 2.91%
Details

Special; Penalties apply for early withdrawal; No brokered funds

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
Enterprise Bank Omaha, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
CD Specials - 24 Months
$10,000
4.25% ▲ 1.22% above Nebraska avg
View
▼
Rate4.18%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.03%▲ 1.22% above avgNationally 2.91%
Details

New money only; Early withdrawal penalties may apply

Rate History
1 change since Sep 24, 2026 · 1.25% → 4.25% ▲ 3.00 pts · high 4.25% / low 1.25%
0.00%3.63%7.25%Sep 24, 2026: 1.25% APYOct 14, 2026: 4.25% APYSep 24, 2026Oct 31, 2026
  • Oct 14, 20264.25%▲ from 1.25%
  • Sep 24, 20261.25%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
24 Month Certificate and IRA - Member Loyalty
$0
4.25% ▲ 1.22% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.03%▲ 1.22% above avgNationally 2.91%
Details

Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly

Rate History
1 change since Oct 19, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
2.65%3.85%5.05%Oct 19, 2026: 3.45% APYOct 29, 2026: 4.25% APYOct 19, 2026Oct 31, 2026
  • Oct 29, 20264.25%▲ from 3.45%
  • Oct 19, 20263.45%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
24 Month Certificate of Deposits (CDs)
$0
4.22% ▲ 1.19% above Nebraska avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average3.03%▲ 1.19% above avgNationally 2.91%
Details

Balance: $150,000 and over; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.22% APY · checked 2 times
3.72%4.22%4.72%Oct 21, 2026: 4.22% APYOct 21, 2026Oct 31, 2026
Lincoln Public School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
24 Month Share Certificate (CD)
$0
4.22% ▲ 1.19% above Nebraska avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.03%▲ 1.19% above avgNationally 2.91%
Details

24 months; certificate rate with APY

Rate History
No change since Oct 23, 2026 · 4.22% APY · checked 2 times
3.72%4.22%4.72%Oct 23, 2026: 4.22% APYOct 23, 2026Oct 31, 2026
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Traditional Time Deposit - 24 months
$1,000
4.16% ▲ 1.13% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.13% above avgNationally 2.91%
Details

Traditional Time Deposit; APY effective 10/20/2026; Interest cannot remain on deposit; payout of interest is mandatory; Penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.16% APY · checked 5 times
3.66%4.16%4.66%Oct 20, 2026: 4.16% APYOct 20, 2026Oct 31, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
24 Month Certificate and IRA - Member Loyalty
$0
4.15% ▲ 1.12% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.03%▲ 1.12% above avgNationally 2.91%
Details

Balance: $1,000.00-99,999.99; Member Loyalty APY; Period: Quarterly

Rate History
1 change since Oct 19, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.15% / low 3.45%
2.75%3.80%4.85%Oct 19, 2026: 3.45% APYOct 29, 2026: 4.15% APYOct 19, 2026Oct 31, 2026
  • Oct 29, 20264.15%▲ from 3.45%
  • Oct 19, 20263.45%first recorded
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
24 Month CD
$2,500
4.12% ▲ 1.09% above Nebraska avg
View
▼
Rate4.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.09% above avgNationally 2.91%
Details

Balance: $25,000.00 - $49,999.99; Interest Rate 4.05%, APY 4.12%

Rate History
1 change since Sep 11, 2026 · 4.01% → 4.12% ▲ 0.11 pts · high 4.12% / low 4.01%
3.51%4.06%4.62%Sep 11, 2026: 4.01% APYOct 3, 2026: 4.12% APYSep 11, 2026Oct 31, 2026
  • Oct 3, 20264.12%▲ from 4.01%
  • Sep 11, 20264.01%first recorded
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
24 Month Certificates of Deposit
$0
4.11% ▲ 1.08% above Nebraska avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.08% above avgNationally 2.91%
Details

Balance: $10,000 and over

Rate History
1 change since Sep 19, 2026 · 3.19% → 4.11% ▲ 0.92 pts · high 4.11% / low 3.19%
2.27%3.65%5.03%Sep 19, 2026: 3.19% APYOct 31, 2026: 4.11% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20264.11%▲ from 3.19%
  • Sep 19, 20263.19%first recorded
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
24 Month CD Special
$2,500
4.10% ▲ 1.07% above Nebraska avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.07% above avgNationally 2.91%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal

Rate History
No change since Sep 29, 2026 · 4.10% APY · checked 11 times
3.60%4.10%4.60%Sep 29, 2026: 4.10% APYSep 29, 2026Oct 31, 2026
Jones Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Certificate of Deposit - 24 Month - Special
$500
4.10% ▲ 1.07% above Nebraska avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.07% above avgNationally 2.91%
Details

Rate History
No change since Oct 31, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 31, 2026: 4.10% APYOct 31, 2026Oct 31, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
24 Month Business Term Share Certificate
$0
4.10% ▲ 1.07% above Nebraska avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.03%▲ 1.07% above avgNationally 2.91%
Details

Balance: $100,000.00 and greater; Period: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
2.50%3.70%4.90%Sep 14, 2026: 3.30% APYOct 29, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.10%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
24 Month Certificate and IRA
$0
4.10% ▲ 1.07% above Nebraska avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.03%▲ 1.07% above avgNationally 2.91%
Details

Balance: $100,000.00 & greater; Period: Quarterly

Rate History
1 change since Sep 18, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
2.50%3.70%4.90%Sep 18, 2026: 3.30% APYOct 29, 2026: 4.10% APYSep 18, 2026Oct 31, 2026
  • Oct 29, 20264.10%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
24 Month Flex CD Account
$1,000
4.06% ▲ 1.03% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.03% above avgNationally 2.91%
Details

Make additional deposits up to your initial amount; withdraw funds without penalty up to four times after the first week on deposit; increase rate one time during the term; public entities not eligible; APY effective 10/20/2026

Rate History
1 change since Sep 18, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29%
2.52%3.68%4.83%Sep 18, 2026: 3.29% APYOct 2, 2026: 4.06% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20264.06%▲ from 3.29%
  • Sep 18, 20263.29%first recorded
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
24 Month CD
$1,000
4.05% ▲ 1.02% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.02% above avgNationally 2.91%
Details

Rates effective as of 10/05/2026; Rate and APY fixed for the term of the CD

Rate History
1 change since Sep 19, 2026 · 3.25% → 4.05% ▲ 0.80 pts · high 4.05% / low 3.25%
2.45%3.65%4.85%Sep 19, 2026: 3.25% APYOct 7, 2026: 4.05% APYSep 19, 2026Oct 31, 2026
  • Oct 7, 20264.05%▲ from 3.25%
  • Sep 19, 20263.25%first recorded
Henderson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
24 Month CD
$500
4.05% ▲ 1.02% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.03%▲ 1.02% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 22, 2026: 4.05% APYOct 22, 2026Oct 31, 2026
Henderson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
24 Month Special CD
$500
4.05% ▲ 1.02% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.03%▲ 1.02% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 22, 2026: 4.05% APYOct 22, 2026Oct 31, 2026
Henderson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Certificates of Deposit - 2 Year
$500
4.05% ▲ 1.02% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.03%▲ 1.02% above avgNationally 2.91%
Details

Certificates of Deposit Accounts by Term

Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 22, 2026: 4.05% APYOct 22, 2026Oct 31, 2026
Henderson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Certificates of Deposit Accounts by Term - 2 Year
$500
4.05% ▲ 1.02% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.03%▲ 1.02% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 22, 2026: 4.05% APYOct 22, 2026Oct 31, 2026
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$500
4.05% ▲ 1.02% above Nebraska avg
View
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.03%▲ 1.02% above avgNationally 2.91%
Details

Balance: $500.00 minimum to obtain APY

Rate History
1 change since Sep 14, 2026 · 3.15% → 4.05% ▲ 0.90 pts · high 4.05% / low 3.15%
2.25%3.60%4.95%Sep 14, 2026: 3.15% APYOct 28, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20264.05%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Business Certificates of Deposit - 24 Month
$1,000
4.03% ▲ 1.00% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.00% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 4.03% APY · checked 7 times
3.53%4.03%4.53%Oct 14, 2026: 4.03% APYOct 14, 2026Oct 31, 2026
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificate of Deposit - 24 Month
$1,000
4.03% ▲ 1.00% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 1.00% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.03% APY · checked 6 times
3.53%4.03%4.53%Oct 20, 2026: 4.03% APYOct 20, 2026Oct 31, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
24 Month Certificate of Deposits (CDs)
$0
4.01% ▲ 0.98% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average3.03%▲ 0.98% above avgNationally 2.91%
Details

Balance: $500 - $49,999.99; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 21, 2026: 4.01% APYOct 21, 2026Oct 31, 2026
Nebraska State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
IRA Share Certificate - 24 Month
$500
4.01% ▲ 0.98% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.03%▲ 0.98% above avgNationally 2.91%
Details

Traditional or Roth; Early withdrawal penalty may apply

Rate History
No change since Oct 26, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 26, 2026: 4.01% APYOct 26, 2026Oct 31, 2026
Jones Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
24 Month Variable Rate IRA
$500
4.00% ▲ 0.97% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 0.97% above avgNationally 2.91%
Details

Rate History
1 change since Sep 7, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 7, 2026: 3.75% APYOct 7, 2026: 4.00% APYSep 7, 2026Oct 31, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Sep 7, 20263.75%first recorded
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Certificates of Deposit - 24 Month
$1,000
4.00% ▲ 0.97% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.03%▲ 0.97% above avgNationally 2.91%
Details

Compounds Quarterly

Rate History
1 change since Oct 14, 2026 · 1.71% → 4.00% ▲ 2.29 pts · high 4.00% / low 1.71%
0.00%3.15%6.29%Oct 14, 2026: 1.71% APYOct 22, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
  • Oct 22, 20264.00%▲ from 1.71%
  • Oct 14, 20261.71%first recorded
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
24 Month Certificate
$0
4.00% ▲ 0.97% above Nebraska avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average3.03%▲ 0.97% above avgNationally 2.91%
Details

Rate History
1 change since Sep 20, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 20, 2026: 3.85% APYOct 4, 2026: 4.00% APYSep 20, 2026Oct 31, 2026
  • Oct 4, 20264.00%▲ from 3.85%
  • Sep 20, 20263.85%first recorded
Nebraska Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
2 Year Share Certificate
$5,000
4.00% ▲ 0.97% above Nebraska avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.03%▲ 0.97% above avgNationally 2.91%
Details

Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 29, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
24 Month Business Term Share Certificate
$0
4.00% ▲ 0.97% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.03%▲ 0.97% above avgNationally 2.91%
Details

Balance: $1,000.00-99,999.99; Period: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.20% → 4.00% ▲ 0.80 pts · high 4.00% / low 3.20%
2.40%3.60%4.80%Sep 14, 2026: 3.20% APYOct 29, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.00%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
24 Month Certificate and IRA
$0
4.00% ▲ 0.97% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.03%▲ 0.97% above avgNationally 2.91%
Details

Balance: $1,000.00-99,999.99; Period: Quarterly

Rate History
1 change since Sep 18, 2026 · 3.20% → 4.00% ▲ 0.80 pts · high 4.00% / low 3.20%
2.40%3.60%4.80%Sep 18, 2026: 3.20% APYOct 29, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
  • Oct 29, 20264.00%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Baby Bundle Certificate 24 Month
$50
4.00% ▲ 0.97% above Nebraska avg
View
▼
Rate3.93%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average3.03%▲ 0.97% above avgNationally 2.91%
Details

Balance: $50 & greater; Period: Monthly

Rate History
1 change since Oct 26, 2026 · 3.20% → 4.00% ▲ 0.80 pts · high 4.00% / low 3.20%
2.40%3.60%4.80%Oct 26, 2026: 3.20% APYOct 29, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
  • Oct 29, 20264.00%▲ from 3.20%
  • Oct 26, 20263.20%first recorded
First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
24 Month Certificate of Deposit
$500
3.95% ▲ 0.92% above Nebraska avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 0.92% above avgNationally 2.91%
Details

Minimum $500

Rate History
2 changes since Oct 14, 2026 · 3.95% → 3.95% ▼ 0.00 pts · high 3.95% / low 3.86%
3.36%3.91%4.45%Oct 14, 2026: 3.95% APYOct 20, 2026: 3.86% APYOct 20, 2026: 3.95% APYOct 14, 2026Oct 31, 2026
  • Oct 20, 20263.95%▲ from 3.86%
  • Oct 20, 20263.86%▼ from 3.95%
  • Oct 14, 20263.95%first recorded
First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
CD - 24 Months
$500
3.95% ▲ 0.92% above Nebraska avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average3.03%▲ 0.92% above avgNationally 2.91%
Details

Rate History
2 changes since Oct 14, 2026 · 3.95% → 3.95% ▼ 0.00 pts · high 3.95% / low 3.86%
3.36%3.91%4.45%Oct 14, 2026: 3.95% APYOct 20, 2026: 3.86% APYOct 20, 2026: 3.95% APYOct 14, 2026Oct 31, 2026
  • Oct 20, 20263.95%▲ from 3.86%
  • Oct 20, 20263.86%▼ from 3.95%
  • Oct 14, 20263.95%first recorded
Great Plains State Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.53%
CD - 24 Months
$0
3.90% ▲ 0.87% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.03%▲ 0.87% above avgNationally 2.91%
Details

Certificate of deposit; substantial penalty for early withdrawal

Rate History
1 change since Oct 22, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
2.60%3.58%4.55%Oct 22, 2026: 3.25% APYOct 27, 2026: 3.90% APYOct 22, 2026Oct 31, 2026
  • Oct 27, 20263.90%▲ from 3.25%
  • Oct 22, 20263.25%first recorded
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2 Year Certificate of Deposit
$500
3.90% ▲ 0.87% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.03%▲ 0.87% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 2 Years
$500
3.90% ▲ 0.87% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.03%▲ 0.87% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Time Certificates of Deposit - 2 Years
$500
3.90% ▲ 0.87% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average3.03%▲ 0.87% above avgNationally 2.91%
Details

Term certificate of deposit

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.90% ▲ 1.15 pts · high 3.90% / low 2.75%
1.60%3.33%5.05%Sep 14, 2026: 2.75% APYOct 14, 2026: 3.90% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20263.90%▲ from 2.75%
  • Sep 14, 20262.75%first recorded

Dawson 36 Month CD Rates

Nebraska 36 Month CD Average2.83% APYNational 2.82%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Certificate of Deposit - 36 Months
$0
4.65% ▲ 1.82% above Nebraska avg
View
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.83%▲ 1.82% above avgNationally 2.82%
Details

Rate History
No change since Oct 28, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 28, 2026: 4.65% APYOct 28, 2026Oct 31, 2026
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
IRA CD - 36 Months
$0
4.65% ▲ 1.82% above Nebraska avg
View
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.83%▲ 1.82% above avgNationally 2.82%
Details

Rate History
No change since Oct 28, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 28, 2026: 4.65% APYOct 28, 2026Oct 31, 2026
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
36 Month Share Certificate
$0
4.50% ▲ 1.67% above Nebraska avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.83%▲ 1.67% above avgNationally 2.82%
Details

Rate History
1 change since Sep 20, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
0.50%3.50%6.50%Sep 20, 2026: 2.50% APYOct 8, 2026: 4.50% APYSep 20, 2026Oct 31, 2026
  • Oct 8, 20264.50%▲ from 2.50%
  • Sep 20, 20262.50%first recorded
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
36 Month CD
$500
4.45% ▲ 1.62% above Nebraska avg
View
▼
Rate4.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.83%▲ 1.62% above avgNationally 2.82%
Details

Substantial penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 4.45% APY · checked 9 times
3.95%4.45%4.95%Sep 20, 2026: 4.45% APYSep 20, 2026Oct 31, 2026
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Business Certificates of Deposit - 36 Month
$1,000
4.42% ▲ 1.59% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 1.59% above avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 4.42% APY · checked 7 times
3.92%4.42%4.92%Oct 14, 2026: 4.42% APYOct 14, 2026Oct 31, 2026
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificate of Deposit - 36 Month
$1,000
4.42% ▲ 1.59% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 1.59% above avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 4.42% APY · checked 6 times
3.92%4.42%4.92%Oct 20, 2026: 4.42% APYOct 20, 2026Oct 31, 2026
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 36 Month
$0
4.37% ▲ 1.54% above Nebraska avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 1.54% above avgNationally 2.82%
Details

Rate History
No change since Sep 9, 2026 · 4.37% APY · checked 5 times
3.87%4.37%4.87%Sep 9, 2026: 4.37% APYSep 9, 2026Oct 31, 2026
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
36 Month Certificate of Deposit
$500
4.25% ▲ 1.42% above Nebraska avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 1.42% above avgNationally 2.82%
Details

Penalty for early withdrawal: 3 months interest on CDs with a term of 12 months and under; 6 months interest on CDs with a term of more than 12 months

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 31, 2026
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 36 Month
$500
4.25% ▲ 1.42% above Nebraska avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 1.42% above avgNationally 2.82%
Details

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Oct 14, 2026: 4.00% APYOct 21, 2026: 4.25% APYOct 14, 2026Oct 31, 2026
  • Oct 21, 20264.25%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
36 Month Certificate of Deposits (CDs)
$0
4.22% ▲ 1.39% above Nebraska avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.83%▲ 1.39% above avgNationally 2.82%
Details

Balance: $150,000 and over; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.22% APY · checked 2 times
3.72%4.22%4.72%Oct 21, 2026: 4.22% APYOct 21, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15% ▲ 1.32% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 1.32% above avgNationally 2.82%
Details

Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
36 Month Certificate of Deposits (CDs)
$0
4.11% ▲ 1.28% above Nebraska avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.83%▲ 1.28% above avgNationally 2.82%
Details

Balance: $50,000 - $149,999.99; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 21, 2026: 4.11% APYOct 21, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10% ▲ 1.27% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 1.27% above avgNationally 2.82%
Details

Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
36 Month Certificates of Deposit
$0
4.06% ▲ 1.23% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 1.23% above avgNationally 2.82%
Details

Balance: $10,000 and over

Rate History
1 change since Sep 19, 2026 · 3.03% → 4.06% ▲ 1.03 pts · high 4.06% / low 3.03%
2.00%3.55%5.09%Sep 19, 2026: 3.03% APYOct 31, 2026: 4.06% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20264.06%▲ from 3.03%
  • Sep 19, 20263.03%first recorded
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
36 Mo CD
$1,000
4.06% ▲ 1.23% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.83%▲ 1.23% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.06% ▲ 0.51 pts · high 4.06% / low 3.55%
3.04%3.80%4.57%Sep 14, 2026: 3.55% APYOct 14, 2026: 4.06% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.06%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month STEP-UP CD
$500
4.05% ▲ 1.22% above Nebraska avg
View
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.83%▲ 1.22% above avgNationally 2.82%
Details

STEP-UP; Rates may change after the account is opened. Balance: $500.00 minimum to obtain APY

Rate History
1 change since Sep 14, 2026 · 3.15% → 4.05% ▲ 0.90 pts · high 4.05% / low 3.15%
2.25%3.60%4.95%Sep 14, 2026: 3.15% APYOct 28, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20264.05%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
36 Month Certificate of Deposits (CDs)
$0
4.01% ▲ 1.18% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.83%▲ 1.18% above avgNationally 2.82%
Details

Balance: $500 - $49,999.99; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 21, 2026: 4.01% APYOct 21, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3 Year Certificate of Deposit
$500
4.00% ▲ 1.17% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.83%▲ 1.17% above avgNationally 2.82%
Details

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 3 Years
$500
4.00% ▲ 1.17% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.83%▲ 1.17% above avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Time Certificates of Deposit - 3 Years
$500
4.00% ▲ 1.17% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.83%▲ 1.17% above avgNationally 2.82%
Details

Term certificate of deposit

Rate History
1 change since Sep 14, 2026 · 2.65% → 4.00% ▲ 1.35 pts · high 4.00% / low 2.65%
1.30%3.32%5.35%Sep 14, 2026: 2.65% APYOct 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.00%▲ from 2.65%
  • Sep 14, 20262.65%first recorded
Great Plains State Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.53%
CD - 36 Months
$0
3.95% ▲ 1.12% above Nebraska avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.83%▲ 1.12% above avgNationally 2.82%
Details

Certificate of deposit; substantial penalty for early withdrawal

Rate History
1 change since Oct 22, 2026 · 3.25% → 3.95% ▲ 0.70 pts · high 3.95% / low 3.25%
2.55%3.60%4.65%Oct 22, 2026: 3.25% APYOct 27, 2026: 3.95% APYOct 22, 2026Oct 31, 2026
  • Oct 27, 20263.95%▲ from 3.25%
  • Oct 22, 20263.25%first recorded
Union Pacific Streamliner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
36-Month Share Certificate - Special
$0
3.95% ▲ 1.12% above Nebraska avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.83%▲ 1.12% above avgNationally 2.82%
Details

Early certificate closure: 180-day interest penalty fee

Rate History
No change since Sep 25, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 25, 2026: 3.95% APYSep 25, 2026Oct 31, 2026
Nebraska State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
IRA Share Certificate - 36 Month
$500
3.95% ▲ 1.12% above Nebraska avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.83%▲ 1.12% above avgNationally 2.82%
Details

Traditional or Roth; Early withdrawal penalty may apply

Rate History
No change since Oct 26, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 26, 2026: 3.95% APYOct 26, 2026Oct 31, 2026
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Traditional Time Deposit - 36 months
$1,000
3.91% ▲ 1.08% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 1.08% above avgNationally 2.82%
Details

Traditional Time Deposit; APY effective 10/20/2026; Interest cannot remain on deposit; payout of interest is mandatory; Penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.91% APY · checked 5 times
3.41%3.91%4.41%Oct 20, 2026: 3.91% APYOct 20, 2026Oct 31, 2026
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
36 Month CD Special
$2,500
3.90% ▲ 1.07% above Nebraska avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 1.07% above avgNationally 2.82%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal

Rate History
No change since Sep 29, 2026 · 3.90% APY · checked 11 times
3.40%3.90%4.40%Sep 29, 2026: 3.90% APYSep 29, 2026Oct 31, 2026
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Certificates of Deposit - 36 Month
$5,000
3.80% ▲ 0.97% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.83%▲ 0.97% above avgNationally 2.82%
Details

Compounds Quarterly

Rate History
1 change since Oct 14, 2026 · 1.86% → 3.80% ▲ 1.94 pts · high 3.80% / low 1.86%
0.00%2.87%5.74%Oct 14, 2026: 1.86% APYOct 22, 2026: 3.80% APYOct 14, 2026Oct 31, 2026
  • Oct 22, 20263.80%▲ from 1.86%
  • Oct 14, 20261.86%first recorded
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
36 Month Certificate
$0
3.75% ▲ 0.92% above Nebraska avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.83%▲ 0.92% above avgNationally 2.82%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 31, 2026
Gallup Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
36 Month Certificates of Deposit (CDs)
$0
3.75% ▲ 0.92% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.83%▲ 0.92% above avgNationally 2.82%
Details

$50,000 Minimum tier

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 31, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
36 Month Certificate and IRA - Member Loyalty
$0
3.75% ▲ 0.92% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.83%▲ 0.92% above avgNationally 2.82%
Details

Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly

Rate History
1 change since Oct 19, 2026 · 3.15% → 3.75% ▲ 0.60 pts · high 3.75% / low 3.15%
2.55%3.45%4.35%Oct 19, 2026: 3.15% APYOct 29, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
  • Oct 29, 20263.75%▲ from 3.15%
  • Oct 19, 20263.15%first recorded
Trius Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
36 Month Share Certificate
$500
3.65% ▲ 0.82% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.83%▲ 0.82% above avgNationally 2.82%
Details

Dividends paid quarterly by check or compounded; APY effective as of February 12, 2026

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 31, 2026
Trius Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
Share Certificate - 36 Months
$500
3.65% ▲ 0.82% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.83%▲ 0.82% above avgNationally 2.82%
Details

Minimum Opening Balance $500; Minimum Balance to Earn APY $500

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 31, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
36 Month Certificate and IRA - Member Loyalty
$0
3.65% ▲ 0.82% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.83%▲ 0.82% above avgNationally 2.82%
Details

Balance: $1,000.00-99,999.99; Member Loyalty APY; Period: Quarterly

Rate History
1 change since Oct 19, 2026 · 3.15% → 3.65% ▲ 0.50 pts · high 3.65% / low 3.15%
2.65%3.40%4.15%Oct 19, 2026: 3.15% APYOct 29, 2026: 3.65% APYOct 19, 2026Oct 31, 2026
  • Oct 29, 20263.65%▲ from 3.15%
  • Oct 19, 20263.15%first recorded
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
36 Month CD or IRA
$0
3.60% ▲ 0.77% above Nebraska avg
View
▼
Rate3.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 0.77% above avgNationally 2.82%
Details

Balance: $500 - $19,999.99

Rate History
1 change since Sep 24, 2026 · 3.20% → 3.60% ▲ 0.40 pts · high 3.60% / low 3.20%
2.70%3.40%4.10%Sep 24, 2026: 3.20% APYOct 11, 2026: 3.60% APYSep 24, 2026Oct 31, 2026
  • Oct 11, 20263.60%▲ from 3.20%
  • Sep 24, 20263.20%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
36 Month Bump Up Share and Bump Up IRA Certificate
$0
3.60% ▲ 0.77% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.83%▲ 0.77% above avgNationally 2.82%
Details

Balance: $100,000.00 & greater; Period: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.60% ▲ 0.60 pts · high 3.60% / low 3.00%
2.40%3.30%4.20%Sep 14, 2026: 3.00% APYOct 29, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20263.60%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
36 Month Business Term Share Certificate
$0
3.60% ▲ 0.77% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.83%▲ 0.77% above avgNationally 2.82%
Details

Balance: $100,000.00 and greater; Period: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.60% ▲ 0.60 pts · high 3.60% / low 3.00%
2.40%3.30%4.20%Sep 14, 2026: 3.00% APYOct 29, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20263.60%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
36 Month Certificate and IRA
$0
3.60% ▲ 0.77% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.83%▲ 0.77% above avgNationally 2.82%
Details

Balance: $100,000.00 & greater; Period: Quarterly

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.60% ▲ 0.60 pts · high 3.60% / low 3.00%
2.40%3.30%4.20%Sep 18, 2026: 3.00% APYOct 29, 2026: 3.60% APYSep 18, 2026Oct 31, 2026
  • Oct 29, 20263.60%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
36 Month Youth Saver CD
$0
3.56% ▲ 0.73% above Nebraska avg
View
▼
Rate3.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 0.73% above avgNationally 2.82%
Details

Balance: $100 - $19,999.99; Interest rates may change after the account is opened

Rate History
1 change since Sep 19, 2026 · 3.16% → 3.56% ▲ 0.40 pts · high 3.56% / low 3.16%
2.66%3.36%4.06%Sep 19, 2026: 3.16% APYOct 11, 2026: 3.56% APYSep 19, 2026Oct 31, 2026
  • Oct 11, 20263.56%▲ from 3.16%
  • Sep 19, 20263.16%first recorded
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
36 Month Certificates of Deposit
$0
3.55% ▲ 0.72% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 0.72% above avgNationally 2.82%
Details

Balance: $2,500 - $9,999

Rate History
1 change since Sep 19, 2026 · 2.22% → 3.55% ▲ 1.33 pts · high 3.55% / low 2.22%
0.89%2.89%4.88%Sep 19, 2026: 2.22% APYOct 31, 2026: 3.55% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20263.55%▲ from 2.22%
  • Sep 19, 20262.22%first recorded
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
36 Mo IRA
$1,000
3.55% ▲ 0.72% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.83%▲ 0.72% above avgNationally 2.82%
Details

Daily balance; early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 10 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 31, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
36 Months Certificate
$1,000
3.55% ▲ 0.72% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.83%▲ 0.72% above avgNationally 2.82%
Details

One Bump - Up per Term

Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 31, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 36 Months Certificate
$1,000
3.55% ▲ 0.72% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.83%▲ 0.72% above avgNationally 2.82%
Details

One Bump - Up per Term

Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 31, 2026
Archer Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
36 Month Share & IRA Certificate
$500
3.55% ▲ 0.72% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.83%▲ 0.72% above avgNationally 2.82%
Details

Minimum $500.00 to open certificate

Rate History
No change since Oct 26, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 26, 2026: 3.55% APYOct 26, 2026Oct 31, 2026
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
Certificates of Deposit - 36 Month
$0
3.55% ▲ 0.72% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.83%▲ 0.72% above avgNationally 2.82%
Details

Early withdrawal penalties may apply

Rate History
No change since Oct 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 21, 2026: 3.55% APYOct 21, 2026Oct 31, 2026
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
IRA Certificate of Deposit - 36 Month
$0
3.55% ▲ 0.72% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.83%▲ 0.72% above avgNationally 2.82%
Details

Early withdrawal penalties may apply

Rate History
No change since Oct 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 21, 2026: 3.55% APYOct 21, 2026Oct 31, 2026
North Platte Union Pacific Employee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
36 Month Share Certificate
$500
3.54% ▲ 0.71% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.83%▲ 0.71% above avgNationally 2.82%
Details

$500.00 Minimum

Rate History
No change since Oct 13, 2026 · 3.54% APY · checked 3 times
3.04%3.54%4.04%Oct 13, 2026: 3.54% APYOct 13, 2026Oct 31, 2026
Henderson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
36 Month CD
$500
3.51% ▲ 0.68% above Nebraska avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.83%▲ 0.68% above avgNationally 2.82%
Details

Rate History
No change since Oct 22, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Oct 22, 2026: 3.51% APYOct 22, 2026Oct 31, 2026
Henderson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Certificates of Deposit Accounts by Term - 3 Year
$500
3.51% ▲ 0.68% above Nebraska avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.83%▲ 0.68% above avgNationally 2.82%
Details

Rate History
No change since Oct 22, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Oct 22, 2026: 3.51% APYOct 22, 2026Oct 31, 2026
Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
Certificate of Deposit - CD Rate Special - 36 Month
$5,000
3.50% ▲ 0.67% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 0.67% above avgNationally 2.82%
Details

Special rate, effective as of 06/22/26; Minimum to open waived for existing checking and savings account customers; Penalty for early withdrawal; Consumer accounts only

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 31, 2026
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
3 Year CD
$1,000
3.50% ▲ 0.67% above Nebraska avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.83%▲ 0.67% above avgNationally 2.82%
Details

Rates effective as of 10/05/2026; Rate and APY fixed for the term of the CD

Rate History
1 change since Sep 19, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 19, 2026: 3.25% APYOct 7, 2026: 3.50% APYSep 19, 2026Oct 31, 2026
  • Oct 7, 20263.50%▲ from 3.25%
  • Sep 19, 20263.25%first recorded
Gallup Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
36 Month Certificates of Deposit (CDs)
$0
3.50% ▲ 0.67% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.83%▲ 0.67% above avgNationally 2.82%
Details

$10,000 Minimum tier

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 31, 2026

Dawson 48 Month CD Rates

Nebraska 48 Month CD Average2.79% APYNational 2.81%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Certificate of Deposit - 48 Months
$0
4.65% ▲ 1.86% above Nebraska avg
View
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.79%▲ 1.86% above avgNationally 2.81%
Details

Rate History
No change since Oct 28, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 28, 2026: 4.65% APYOct 28, 2026Oct 31, 2026
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
IRA CD - 48 Months
$0
4.65% ▲ 1.86% above Nebraska avg
View
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.79%▲ 1.86% above avgNationally 2.81%
Details

Rate History
No change since Oct 28, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 28, 2026: 4.65% APYOct 28, 2026Oct 31, 2026
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
48 Month CD
$500
4.55% ▲ 1.76% above Nebraska avg
View
▼
Rate4.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.79%▲ 1.76% above avgNationally 2.81%
Details

Substantial penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 4.55% APY · checked 9 times
4.05%4.55%5.05%Sep 20, 2026: 4.55% APYSep 20, 2026Oct 31, 2026
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Business Certificates of Deposit - 48 Month
$1,000
4.46% ▲ 1.67% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 1.67% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.46% APY · checked 7 times
3.96%4.46%4.96%Oct 14, 2026: 4.46% APYOct 14, 2026Oct 31, 2026
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificate of Deposit - 48 Month
$1,000
4.46% ▲ 1.67% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 1.67% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.46% APY · checked 6 times
3.96%4.46%4.96%Oct 20, 2026: 4.46% APYOct 20, 2026Oct 31, 2026
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 48 Month
$0
4.37% ▲ 1.58% above Nebraska avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 1.58% above avgNationally 2.81%
Details

Rate History
No change since Sep 9, 2026 · 4.37% APY · checked 5 times
3.87%4.37%4.87%Sep 9, 2026: 4.37% APYSep 9, 2026Oct 31, 2026
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
48 Month CD
$2,500
4.36% ▲ 1.57% above Nebraska avg
View
▼
Rate4.28%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 1.57% above avgNationally 2.81%
Details

Balance: $75,000.00 and up

Rate History
1 change since Sep 11, 2026 · 4.25% → 4.36% ▲ 0.11 pts · high 4.36% / low 4.25%
3.75%4.31%4.86%Sep 11, 2026: 4.25% APYOct 3, 2026: 4.36% APYSep 11, 2026Oct 31, 2026
  • Oct 3, 20264.36%▲ from 4.25%
  • Sep 11, 20264.25%first recorded
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
48 Month CD
$2,500
4.31% ▲ 1.52% above Nebraska avg
View
▼
Rate4.23%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 1.52% above avgNationally 2.81%
Details

Balance: $50,000.00 - $74,999.99

Rate History
1 change since Sep 11, 2026 · 4.20% → 4.31% ▲ 0.11 pts · high 4.31% / low 4.20%
3.70%4.26%4.81%Sep 11, 2026: 4.20% APYOct 3, 2026: 4.31% APYSep 11, 2026Oct 31, 2026
  • Oct 3, 20264.31%▲ from 4.20%
  • Sep 11, 20264.20%first recorded
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 48 Month
$500
4.30% ▲ 1.51% above Nebraska avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 1.51% above avgNationally 2.81%
Details

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Oct 14, 2026: 4.00% APYOct 21, 2026: 4.30% APYOct 14, 2026Oct 31, 2026
  • Oct 21, 20264.30%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
48 Month Certificate of Deposits (CDs)
$0
4.22% ▲ 1.43% above Nebraska avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.79%▲ 1.43% above avgNationally 2.81%
Details

Balance: $150,000 and over; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.22% APY · checked 2 times
3.72%4.22%4.72%Oct 21, 2026: 4.22% APYOct 21, 2026Oct 31, 2026
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
48 Month Certificates of Deposit
$0
4.16% ▲ 1.37% above Nebraska avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 1.37% above avgNationally 2.81%
Details

Balance: $10,000 and over

Rate History
1 change since Sep 19, 2026 · 3.03% → 4.16% ▲ 1.13 pts · high 4.16% / low 3.03%
1.90%3.60%5.29%Sep 19, 2026: 3.03% APYOct 31, 2026: 4.16% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20264.16%▲ from 3.03%
  • Sep 19, 20263.03%first recorded
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
48 Month CD
$2,500
4.15% ▲ 1.36% above Nebraska avg
View
▼
Rate4.08%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 1.36% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 11, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 11, 2026: 4.05% APYOct 3, 2026: 4.15% APYSep 11, 2026Oct 31, 2026
  • Oct 3, 20264.15%▲ from 4.05%
  • Sep 11, 20264.05%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
48 Month Certificate of Deposits (CDs)
$0
4.11% ▲ 1.32% above Nebraska avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.79%▲ 1.32% above avgNationally 2.81%
Details

Balance: $50,000 - $149,999.99; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 21, 2026: 4.11% APYOct 21, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
4 Year Certificate of Deposit
$500
4.05% ▲ 1.26% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.79%▲ 1.26% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 22, 2026: 4.05% APYOct 22, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 4 Years
$500
4.05% ▲ 1.26% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.79%▲ 1.26% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Time Certificates of Deposit - 4 Years
$500
4.05% ▲ 1.26% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.79%▲ 1.26% above avgNationally 2.81%
Details

Term certificate of deposit

Rate History
1 change since Sep 14, 2026 · 2.55% → 4.05% ▲ 1.50 pts · high 4.05% / low 2.55%
1.05%3.30%5.55%Sep 14, 2026: 2.55% APYOct 14, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.05%▲ from 2.55%
  • Sep 14, 20262.55%first recorded
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$500
4.05% ▲ 1.26% above Nebraska avg
View
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.79%▲ 1.26% above avgNationally 2.81%
Details

Balance: $500.00 minimum to obtain APY

Rate History
1 change since Sep 14, 2026 · 3.15% → 4.05% ▲ 0.90 pts · high 4.05% / low 3.15%
2.25%3.60%4.95%Sep 14, 2026: 3.15% APYOct 28, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20264.05%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
48 Month Certificate of Deposits (CDs)
$0
4.01% ▲ 1.22% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.79%▲ 1.22% above avgNationally 2.81%
Details

Balance: $500 - $49,999.99; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 21, 2026: 4.01% APYOct 21, 2026Oct 31, 2026
Great Plains State Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.53%
CD - 48 Months
$0
4.00% ▲ 1.21% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.79%▲ 1.21% above avgNationally 2.81%
Details

Certificate of deposit; substantial penalty for early withdrawal

Rate History
1 change since Oct 22, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
2.60%3.65%4.70%Oct 22, 2026: 3.30% APYOct 27, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
  • Oct 27, 20264.00%▲ from 3.30%
  • Oct 22, 20263.30%first recorded
Gallup Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
48 Month Certificates of Deposit (CDs)
$0
4.00% ▲ 1.21% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.79%▲ 1.21% above avgNationally 2.81%
Details

$50,000 Minimum tier

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
48 Month CD
$2,500
3.89% ▲ 1.10% above Nebraska avg
View
▼
Rate3.83%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 1.10% above avgNationally 2.81%
Details

Balance: $2,500.00 - $24,999.99

Rate History
1 change since Sep 11, 2026 · 3.79% → 3.89% ▲ 0.10 pts · high 3.89% / low 3.79%
3.29%3.84%4.39%Sep 11, 2026: 3.79% APYOct 3, 2026: 3.89% APYSep 11, 2026Oct 31, 2026
  • Oct 3, 20263.89%▲ from 3.79%
  • Sep 11, 20263.79%first recorded
North Platte Union Pacific Employee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
48 Month Share Certificate
$500
3.80% ▲ 1.01% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.79%▲ 1.01% above avgNationally 2.81%
Details

$500.00 Minimum

Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 31, 2026
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
48 Month CD or IRA
$0
3.65% ▲ 0.86% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 0.86% above avgNationally 2.81%
Details

Balance: $500 - $19,999.99

Rate History
1 change since Sep 24, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
2.90%3.53%4.15%Sep 24, 2026: 3.40% APYOct 11, 2026: 3.65% APYSep 24, 2026Oct 31, 2026
  • Oct 11, 20263.65%▲ from 3.40%
  • Sep 24, 20263.40%first recorded
Nebraska State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
IRA Share Certificate - 48 Month
$500
3.65% ▲ 0.86% above Nebraska avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.79%▲ 0.86% above avgNationally 2.81%
Details

Traditional or Roth; Early withdrawal penalty may apply

Rate History
No change since Oct 26, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 26, 2026: 3.65% APYOct 26, 2026Oct 31, 2026
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
48 Month Youth Saver CD
$0
3.60% ▲ 0.81% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 0.81% above avgNationally 2.81%
Details

Balance: $100 - $19,999.99

Rate History
1 change since Sep 19, 2026 · 3.36% → 3.60% ▲ 0.24 pts · high 3.60% / low 3.36%
2.86%3.48%4.10%Sep 19, 2026: 3.36% APYOct 11, 2026: 3.60% APYSep 19, 2026Oct 31, 2026
  • Oct 11, 20263.60%▲ from 3.36%
  • Sep 19, 20263.36%first recorded
Archer Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
48 Month Share & IRA Certificate
$500
3.60% ▲ 0.81% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.79%▲ 0.81% above avgNationally 2.81%
Details

Minimum $500.00 to open certificate

Rate History
No change since Oct 26, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 26, 2026: 3.60% APYOct 26, 2026Oct 31, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
48 Months Certificate
$1,000
3.55% ▲ 0.76% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.79%▲ 0.76% above avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 31, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 48 Months Certificate
$1,000
3.55% ▲ 0.76% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.79%▲ 0.76% above avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 31, 2026
Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
Certificate of Deposit - CD Rate Special - 48 Month
$5,000
3.50% ▲ 0.71% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 0.71% above avgNationally 2.81%
Details

Special rate, effective as of 06/22/26; Minimum to open waived for existing checking and savings account customers; Penalty for early withdrawal; Consumer accounts only

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 31, 2026
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
4 Year CD
$1,000
3.50% ▲ 0.71% above Nebraska avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 0.71% above avgNationally 2.81%
Details

Rates effective as of 10/05/2026; Rate and APY fixed for the term of the CD

Rate History
1 change since Sep 19, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 19, 2026: 3.35% APYOct 7, 2026: 3.50% APYSep 19, 2026Oct 31, 2026
  • Oct 7, 20263.50%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
48 Month Certificate
$0
3.50% ▲ 0.71% above Nebraska avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.79%▲ 0.71% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 31, 2026
Gallup Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
48 Month Certificates of Deposit (CDs)
$0
3.50% ▲ 0.71% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.79%▲ 0.71% above avgNationally 2.81%
Details

$10,000 Minimum tier

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 31, 2026
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Certificates of Deposit - 48 Month
$500
3.45% ▲ 0.66% above Nebraska avg
View
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 0.66% above avgNationally 2.81%
Details

Rate History
No change since Oct 21, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 21, 2026: 3.45% APYOct 21, 2026Oct 31, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD - 48 month
$50,000
3.44% ▲ 0.65% above Nebraska avg
View
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.79%▲ 0.65% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 3.44% APY · checked 2 times
2.94%3.44%3.94%Oct 23, 2026: 3.44% APYOct 23, 2026Oct 31, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD - 48 month
$10,000
3.39% ▲ 0.60% above Nebraska avg
View
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.79%▲ 0.60% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 3.39% APY · checked 2 times
2.89%3.39%3.89%Oct 23, 2026: 3.39% APYOct 23, 2026Oct 31, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
48 Mo CD
$1,000
3.35% ▲ 0.56% above Nebraska avg
View
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.79%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 10 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 31, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
48 Mo IRA
$1,000
3.35% ▲ 0.56% above Nebraska avg
View
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.79%▲ 0.56% above avgNationally 2.81%
Details

Daily balance; early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 10 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 31, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
48 Month Share Certificate
$500
3.35% ▲ 0.56% above Nebraska avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.79%▲ 0.56% above avgNationally 2.81%
Details

Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required

Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 31, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Certificates and IRA Share Certificates - 48 months
$500
3.35% ▲ 0.56% above Nebraska avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.79%▲ 0.56% above avgNationally 2.81%
Details

Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 31, 2026
Chadron Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
Certificates of Deposit - 48 Months
$500
3.35% ▲ 0.56% above Nebraska avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.79%▲ 0.56% above avgNationally 2.81%
Details

Minimum: $500 Adult / $100 Youth; Dividend Rate: 3.30%

Rate History
No change since Oct 22, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 22, 2026: 3.35% APYOct 22, 2026Oct 31, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year IRA Certificate
$1,000
3.30% ▲ 0.51% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 0.51% above avgNationally 2.81%
Details

4 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 31, 2026
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Certificate of Deposit - 48 Month
$1,000
3.30% ▲ 0.51% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 0.51% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 31, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
48 Month Certificate and IRA - Member Loyalty
$0
3.25% ▲ 0.46% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.79%▲ 0.46% above avgNationally 2.81%
Details

Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly

Rate History
1 change since Oct 19, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
2.65%3.20%3.75%Oct 19, 2026: 3.15% APYOct 29, 2026: 3.25% APYOct 19, 2026Oct 31, 2026
  • Oct 29, 20263.25%▲ from 3.15%
  • Oct 19, 20263.15%first recorded
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
48 Month Certificates of Deposit
$0
3.24% ▲ 0.45% above Nebraska avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 0.45% above avgNationally 2.81%
Details

Balance: $2,500 - $9,999

Rate History
1 change since Sep 19, 2026 · 2.12% → 3.24% ▲ 1.12 pts · high 3.24% / low 2.12%
1.00%2.68%4.36%Sep 19, 2026: 2.12% APYOct 31, 2026: 3.24% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20263.24%▲ from 2.12%
  • Sep 19, 20262.12%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
48 Month Certificate and IRA - Member Loyalty
$0
3.15% ▲ 0.36% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.79%▲ 0.36% above avgNationally 2.81%
Details

Balance: $1,000.00-99,999.99; Member Loyalty APY; Period: Quarterly

Rate History
No change since Oct 19, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 19, 2026: 3.15% APYOct 19, 2026Oct 31, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
48 Month Business Term Share Certificate
$0
3.10% ▲ 0.31% above Nebraska avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.79%▲ 0.31% above avgNationally 2.81%
Details

Balance: $100,000.00 and greater; Period: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
2.50%3.05%3.60%Sep 14, 2026: 3.00% APYOct 29, 2026: 3.10% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20263.10%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
48 Month Certificate and IRA
$0
3.10% ▲ 0.31% above Nebraska avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.79%▲ 0.31% above avgNationally 2.81%
Details

Balance: $100,000.00 & greater; Period: Quarterly

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
2.50%3.05%3.60%Sep 18, 2026: 3.00% APYOct 29, 2026: 3.10% APYSep 18, 2026Oct 31, 2026
  • Oct 29, 20263.10%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Platte Valley Bank North Bend, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Certificates of Deposit - 48 Month
$500
3.05% ▲ 0.26% above Nebraska avg
View
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 0.26% above avgNationally 2.81%
Details

Rate History
No change since Oct 21, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Oct 21, 2026: 3.05% APYOct 21, 2026Oct 31, 2026
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
48 Month Certificate of Deposit
$1,000
3.03% ▲ 0.24% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 0.24% above avgNationally 2.81%
Details

How to Apply: Visit a branch; Rate for balances below $250,000; add 0.25% for balances at or over $250,000.00

Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 7 times
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 31, 2026
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificate of Deposit 48 Month
$250
3.03% ▲ 0.24% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.79%▲ 0.24% above avgNationally 2.81%
Details

Rate History
No change since Oct 21, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 21, 2026: 3.03% APYOct 21, 2026Oct 31, 2026

Dawson 60 Month CD Rates

Nebraska 60 Month CD Average2.88% APYNational 2.92%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Certificate of Deposit - 60 Months
$0
4.75% ▲ 1.87% above Nebraska avg
View
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.88%▲ 1.87% above avgNationally 2.92%
Details

Rate History
No change since Oct 28, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 28, 2026: 4.75% APYOct 28, 2026Oct 31, 2026
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
IRA CD - 60 Months
$0
4.75% ▲ 1.87% above Nebraska avg
View
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.88%▲ 1.87% above avgNationally 2.92%
Details

Rate History
No change since Oct 28, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 28, 2026: 4.75% APYOct 28, 2026Oct 31, 2026
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
60 Month CD
$500
4.55% ▲ 1.67% above Nebraska avg
View
▼
Rate4.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.88%▲ 1.67% above avgNationally 2.92%
Details

Substantial penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 4.55% APY · checked 9 times
4.05%4.55%5.05%Sep 20, 2026: 4.55% APYSep 20, 2026Oct 31, 2026
Gallup Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
60 Month Certificates of Deposit (CDs)
$0
4.50% ▲ 1.62% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.88%▲ 1.62% above avgNationally 2.92%
Details

$50,000 Minimum tier

Rate History
No change since Oct 22, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 22, 2026: 4.50% APYOct 22, 2026Oct 31, 2026
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Business Certificates of Deposit - 60 Month
$1,000
4.46% ▲ 1.58% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 1.58% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.46% APY · checked 7 times
3.96%4.46%4.96%Oct 14, 2026: 4.46% APYOct 14, 2026Oct 31, 2026
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificate of Deposit - 60 Month
$1,000
4.46% ▲ 1.58% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 1.58% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.46% APY · checked 6 times
3.96%4.46%4.96%Oct 20, 2026: 4.46% APYOct 20, 2026Oct 31, 2026
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 60 Month
$0
4.37% ▲ 1.49% above Nebraska avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 1.49% above avgNationally 2.92%
Details

Rate History
No change since Sep 9, 2026 · 4.37% APY · checked 5 times
3.87%4.37%4.87%Sep 9, 2026: 4.37% APYSep 9, 2026Oct 31, 2026
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 60 Month
$500
4.30% ▲ 1.42% above Nebraska avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 1.42% above avgNationally 2.92%
Details

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Oct 14, 2026: 4.00% APYOct 21, 2026: 4.30% APYOct 14, 2026Oct 31, 2026
  • Oct 21, 20264.30%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
60 Month Certificate of Deposits (CDs)
$0
4.22% ▲ 1.34% above Nebraska avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.88%▲ 1.34% above avgNationally 2.92%
Details

Balance: $150,000 and over; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.22% APY · checked 2 times
3.72%4.22%4.72%Oct 21, 2026: 4.22% APYOct 21, 2026Oct 31, 2026
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
60 Month Certificates of Deposit
$0
4.16% ▲ 1.28% above Nebraska avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 1.28% above avgNationally 2.92%
Details

Balance: $10,000 and over

Rate History
1 change since Sep 19, 2026 · 3.03% → 4.16% ▲ 1.13 pts · high 4.16% / low 3.03%
1.90%3.60%5.29%Sep 19, 2026: 3.03% APYOct 31, 2026: 4.16% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20264.16%▲ from 3.03%
  • Sep 19, 20263.03%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
60 Month Certificate of Deposits (CDs)
$0
4.11% ▲ 1.23% above Nebraska avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.88%▲ 1.23% above avgNationally 2.92%
Details

Balance: $50,000 - $149,999.99; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 21, 2026: 4.11% APYOct 21, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
5 Year Certificate of Deposit
$500
4.10% ▲ 1.22% above Nebraska avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.88%▲ 1.22% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 22, 2026: 4.10% APYOct 22, 2026Oct 31, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Time Certificates of Deposit - 5 Years
$500
4.10% ▲ 1.22% above Nebraska avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.88%▲ 1.22% above avgNationally 2.92%
Details

Term certificate of deposit

Rate History
1 change since Sep 14, 2026 · 2.45% → 4.10% ▲ 1.65 pts · high 4.10% / low 2.45%
0.80%3.28%5.75%Sep 14, 2026: 2.45% APYOct 14, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.10%▲ from 2.45%
  • Sep 14, 20262.45%first recorded
Great Plains State Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.53%
CD - 60 Months
$0
4.05% ▲ 1.17% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.88%▲ 1.17% above avgNationally 2.92%
Details

Certificate of deposit; substantial penalty for early withdrawal

Rate History
1 change since Oct 22, 2026 · 3.35% → 4.05% ▲ 0.70 pts · high 4.05% / low 3.35%
2.65%3.70%4.75%Oct 22, 2026: 3.35% APYOct 27, 2026: 4.05% APYOct 22, 2026Oct 31, 2026
  • Oct 27, 20264.05%▲ from 3.35%
  • Oct 22, 20263.35%first recorded
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month STEP-UP CD
$500
4.05% ▲ 1.17% above Nebraska avg
View
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.88%▲ 1.17% above avgNationally 2.92%
Details

STEP-UP; Rates may change after the account is opened. Balance: $500.00 minimum to obtain APY

Rate History
1 change since Sep 14, 2026 · 3.15% → 4.05% ▲ 0.90 pts · high 4.05% / low 3.15%
2.25%3.60%4.95%Sep 14, 2026: 3.15% APYOct 28, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20264.05%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
60 Month Certificate of Deposits (CDs)
$0
4.01% ▲ 1.13% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.88%▲ 1.13% above avgNationally 2.92%
Details

Balance: $500 - $49,999.99; An interest penalty may be imposed for early withdrawal; No Institutional or Brokered Funds

Rate History
No change since Oct 21, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 21, 2026: 4.01% APYOct 21, 2026Oct 31, 2026
Gallup Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
60 Month Certificates of Deposit (CDs)
$0
4.00% ▲ 1.12% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.88%▲ 1.12% above avgNationally 2.92%
Details

$10,000 Minimum tier

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Traditional Time Deposit - 60 months
$1,000
3.91% ▲ 1.03% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 1.03% above avgNationally 2.92%
Details

Traditional Time Deposit; APY effective 10/20/2026; Interest cannot remain on deposit; payout of interest is mandatory; Penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.91% APY · checked 5 times
3.41%3.91%4.41%Oct 20, 2026: 3.91% APYOct 20, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90% ▲ 1.02% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 1.02% above avgNationally 2.92%
Details

Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 31, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
60 Month Certificate and IRA - Member Loyalty
$0
3.90% ▲ 1.02% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.88%▲ 1.02% above avgNationally 2.92%
Details

Balance: $1,000.00-99,999.99; Member Loyalty APY; Period: Quarterly

Rate History
1 change since Oct 19, 2026 · 3.15% → 3.90% ▲ 0.75 pts · high 3.90% / low 3.15%
2.40%3.53%4.65%Oct 19, 2026: 3.15% APYOct 29, 2026: 3.90% APYOct 19, 2026Oct 31, 2026
  • Oct 29, 20263.90%▲ from 3.15%
  • Oct 19, 20263.15%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85% ▲ 0.97% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 0.97% above avgNationally 2.92%
Details

Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 31, 2026
North Platte Union Pacific Employee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Special Share Certificate - 60 Month
$0
3.80% ▲ 0.92% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.88%▲ 0.92% above avgNationally 2.92%
Details

Special Share Certificate; $500.00 Minimum; rates may be raised twice during term per credit union policy

Rate History
No change since Oct 26, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 26, 2026: 3.80% APYOct 26, 2026Oct 31, 2026
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
60 Month CD or IRA
$0
3.65% ▲ 0.77% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 0.77% above avgNationally 2.92%
Details

Balance: $500 - $19,999.99

Rate History
1 change since Sep 11, 2026 · 3.49% → 3.65% ▲ 0.16 pts · high 3.65% / low 3.49%
2.99%3.57%4.15%Sep 11, 2026: 3.49% APYOct 11, 2026: 3.65% APYSep 11, 2026Oct 31, 2026
  • Oct 11, 20263.65%▲ from 3.49%
  • Sep 11, 20263.49%first recorded
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
60 Month Youth Saver CD
$0
3.60% ▲ 0.72% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 0.72% above avgNationally 2.92%
Details

Balance: $100 - $19,999.99

Rate History
1 change since Sep 11, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
2.95%3.53%4.10%Sep 11, 2026: 3.45% APYOct 11, 2026: 3.60% APYSep 11, 2026Oct 31, 2026
  • Oct 11, 20263.60%▲ from 3.45%
  • Sep 11, 20263.45%first recorded
Archer Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
60 Month Share & IRA Certificate
$500
3.60% ▲ 0.72% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.88%▲ 0.72% above avgNationally 2.92%
Details

Minimum $500.00 to open certificate

Rate History
No change since Oct 26, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 26, 2026: 3.60% APYOct 26, 2026Oct 31, 2026
Chadron Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
Certificates of Deposit - 60 Months
$500
3.56% ▲ 0.68% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.88%▲ 0.68% above avgNationally 2.92%
Details

Minimum: $500 Adult / $100 Youth; Dividend Rate: 3.50%

Rate History
No change since Oct 22, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 22, 2026: 3.56% APYOct 22, 2026Oct 31, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
60 Months Certificate
$1,000
3.55% ▲ 0.67% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.88%▲ 0.67% above avgNationally 2.92%
Details

Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 31, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 60 Months Certificate
$1,000
3.55% ▲ 0.67% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.88%▲ 0.67% above avgNationally 2.92%
Details

Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 31, 2026
Nebraska State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
IRA Share Certificate - 60 Month
$500
3.55% ▲ 0.67% above Nebraska avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Nebraska Average2.88%▲ 0.67% above avgNationally 2.92%
Details

Traditional or Roth; Early withdrawal penalty may apply

Rate History
No change since Oct 26, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 26, 2026: 3.55% APYOct 26, 2026Oct 31, 2026
Access Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Certificate of Deposit - 60 Month
$0
3.50% ▲ 0.62% above Nebraska avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 0.62% above avgNationally 2.92%
Details

Interest Paid: Quarterly and at Maturity

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 31, 2026
Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
Certificate of Deposit - CD Rate Special - 60 Month
$5,000
3.50% ▲ 0.62% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 0.62% above avgNationally 2.92%
Details

Special rate, effective as of 06/22/26; Minimum to open waived for existing checking and savings account customers; Penalty for early withdrawal; Consumer accounts only

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 31, 2026
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
5 Year CD
$1,000
3.50% ▲ 0.62% above Nebraska avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 0.62% above avgNationally 2.92%
Details

Rates effective as of 10/05/2026; Rate and APY fixed for the term of the CD

Rate History
1 change since Sep 19, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 19, 2026: 3.40% APYOct 7, 2026: 3.50% APYSep 19, 2026Oct 31, 2026
  • Oct 7, 20263.50%▲ from 3.40%
  • Sep 19, 20263.40%first recorded
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Certificates of Deposit - 60 Month
$500
3.50% ▲ 0.62% above Nebraska avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 0.62% above avgNationally 2.92%
Details

Rate History
No change since Oct 21, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 21, 2026: 3.50% APYOct 21, 2026Oct 31, 2026
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
60 Month Certificate
$0
3.50% ▲ 0.62% above Nebraska avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.88%▲ 0.62% above avgNationally 2.92%
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 31, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD - 60 month
$50,000
3.44% ▲ 0.56% above Nebraska avg
View
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.88%▲ 0.56% above avgNationally 2.92%
Details

Rate History
No change since Oct 23, 2026 · 3.44% APY · checked 2 times
2.94%3.44%3.94%Oct 23, 2026: 3.44% APYOct 23, 2026Oct 31, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
5 Year IRA Certificate
$1,000
3.40% ▲ 0.52% above Nebraska avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 0.52% above avgNationally 2.92%
Details

5 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 31, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
60 Month Share Certificate
$500
3.40% ▲ 0.52% above Nebraska avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.88%▲ 0.52% above avgNationally 2.92%
Details

Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required

Rate History
No change since Sep 20, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 20, 2026: 3.40% APYSep 20, 2026Oct 31, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Certificates and IRA Share Certificates - 60 months
$500
3.40% ▲ 0.52% above Nebraska avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.88%▲ 0.52% above avgNationally 2.92%
Details

Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 31, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD - 60 month
$10,000
3.39% ▲ 0.51% above Nebraska avg
View
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.88%▲ 0.51% above avgNationally 2.92%
Details

Rate History
No change since Oct 23, 2026 · 3.39% APY · checked 2 times
2.89%3.39%3.89%Oct 23, 2026: 3.39% APYOct 23, 2026Oct 31, 2026
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
60 Month Certificates of Deposit
$0
3.34% ▲ 0.46% above Nebraska avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 0.46% above avgNationally 2.92%
Details

Balance: $2,500 - $9,999

Rate History
1 change since Sep 19, 2026 · 2.02% → 3.34% ▲ 1.32 pts · high 3.34% / low 2.02%
0.70%2.68%4.66%Sep 19, 2026: 2.02% APYOct 31, 2026: 3.34% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20263.34%▲ from 2.02%
  • Sep 19, 20262.02%first recorded
Cattle Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Certificate of Deposit - 60 Months
$500
3.25% ▲ 0.37% above Nebraska avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 0.37% above avgNationally 2.92%
Details

Penalties apply for early withdrawal; No brokered funds

Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Oct 20, 2026: 3.25% APYOct 20, 2026Oct 31, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
60 Mo CD
$1,000
3.25% ▲ 0.37% above Nebraska avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.88%▲ 0.37% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 10 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 31, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
60 Mo IRA
$1,000
3.25% ▲ 0.37% above Nebraska avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Nebraska Average2.88%▲ 0.37% above avgNationally 2.92%
Details

Daily balance; early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 10 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 31, 2026
Platte Valley Bank North Bend, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Certificates of Deposit - 60 Month
$500
3.15% ▲ 0.27% above Nebraska avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 0.27% above avgNationally 2.92%
Details

Rate History
No change since Oct 21, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Oct 21, 2026: 3.15% APYOct 21, 2026Oct 31, 2026
Madison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
CD 60 Month
$500
3.10% ▲ 0.22% above Nebraska avg
View
▼
Rate3.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.88%▲ 0.22% above avgNationally 2.92%
Details

Rate History
No change since Oct 21, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 21, 2026: 3.10% APYOct 21, 2026Oct 31, 2026
Henderson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
60 Month CD
$500
3.09% ▲ 0.21% above Nebraska avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Nebraska Average2.88%▲ 0.21% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Oct 22, 2026: 3.09% APYOct 22, 2026Oct 31, 2026
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
Certificates of Deposit - 60 Month
$0
3.03% ▲ 0.15% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.88%▲ 0.15% above avgNationally 2.92%
Details

Early withdrawal penalties may apply

Rate History
No change since Oct 21, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Oct 21, 2026: 3.03% APYOct 21, 2026Oct 31, 2026
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
IRA Certificate of Deposit - 60 Month
$0
3.03% ▲ 0.15% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Nebraska Average2.88%▲ 0.15% above avgNationally 2.92%
Details

Early withdrawal penalties may apply

Rate History
No change since Oct 21, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Oct 21, 2026: 3.03% APYOct 21, 2026Oct 31, 2026
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
60 Month Certificate of Deposit
$1,000
3.03% ▲ 0.15% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 0.15% above avgNationally 2.92%
Details

How to Apply: Visit a branch; Rate for balances below $250,000; add 0.25% for balances at or over $250,000.00

Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 7 times
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 31, 2026
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificate of Deposit 60 Month
$250
3.03% ▲ 0.15% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Nebraska Average2.88%▲ 0.15% above avgNationally 2.92%
Details

Rate History
No change since Oct 21, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 21, 2026: 3.03% APYOct 21, 2026Oct 31, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Dawson, Nebraska Institutions

Highest verified APYs available today, updated October 31, 2026

B Top 5 Bank Rates
Synchrony Bank
Certificate of Deposit - 60 Months
A 5.0 ★ TX: 13.55%
Min: $0
4.75%
First Westroads Bank
48 Month CD
A+ 5.0 ★ TX: 0.04%
Min: $500
4.55%
Cornhusker Bank
Business Certificates of Deposit - 48 Month
A+ 5.0 ★ TX: 0.16%
Min: $1,000
4.46%
Union Bank and Trust Company
24 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.09%
Min: $1,000
4.40%
Farmers and Merchants Bank Milligan, NE
Certificates of Deposit - 36 Month
A+ 5.0 ★ TX: 0.64%
Min: $0
4.37%
CU Top 5 Credit Union Rates
Omaha Federal Credit Union
36 Month Share Certificate
A+ 5.0 ★ TX: 3.18%
Min: $0
4.50%
Gallup Federal Credit Union
60 Month Certificates of Deposit (CDs)
A+ 5.0 ★ TX: 0.24%
Min: $0
4.50%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Archer Cooperative Credit Union
24 Month Share & IRA Certificate
A+ 5.0 ★ TX: 5.83%
Min: $500
4.30%
Cobalt Federal Credit Union
24 Month Certificate and IRA - Member Loyalty
A 5.0 ★ TX: 6.25%
Min: $0
4.25%
Rates verified October 31, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Dawson, NE CD Rate Trends

Compare local Dawson, NE CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Nebraska CD Trends
12-Month CD NE Avg
3.097%
▲ 0.023 vs 7 days ago

Nebraska 12-month CD rates rose 0.023 points over the past 7 days to 3.097% APY.

6-Month CD NE Avg
3.038%
▲ 0.014 vs 7 days ago

Nebraska 6-month CD rates rose 0.014 points over the past 7 days to 3.038% APY.

As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions

NE CD Rate Forecast, Next 12 Months

Where are Nebraska CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

NE 12-Month Avg APY
3.097%
6-Month Forecast
3.097%
Range: 2.90%, 3.25%
12-Month Forecast
3.347%
Range: 3.15%, 3.50%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Nebraska average 12-month CD APY in our database.

Spread model: The Nebraska 12-month CD average currently trades 1.28% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at NE CD Rates Today

Annual interest earnings at today’s Nebraska average APYs. State average used where available; national average as fallback.

CD Term NE Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.002% $100.12 $200.24 $500.60 $1,001.20
6-Month CD 3.038% $151.92 $303.84 $759.60 $1,519.20
12-Month CD 3.097% $154.87 $309.73 $774.33 $1,548.65
18-Month CD 2.913% $145.64 $291.27 $728.18 $1,456.35
24-Month CD 3.032% $151.58 $303.15 $757.88 $1,515.75
36-Month CD 2.827% $141.34 $282.68 $706.70 $1,413.40
48-Month CD 2.786% $139.32 $278.63 $696.58 $1,393.15
60-Month CD 2.883% $144.14 $288.28 $720.70 $1,441.40
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Dawson, Nebraska Savers

$25,000 split equally across 5 terms using today’s Nebraska average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit NE Avg APY Annual Earnings
1 3-Month CD $5,000 2.002% $100.12
2 6-Month CD $5,000 3.038% $151.92
3 12-Month CD $5,000 3.097% $154.87
4 24-Month CD $5,000 3.032% $151.58
5 36-Month CD $5,000 2.827% $141.34
Total ($25,000 invested) $25,000 2.799% blended $699.83/yr

Ladder example uses equal $5,000 rungs and Nebraska average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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972
CD Rates
Tracked in Dawson, Nebraska
72 Banks 35 Credit Unions

About Our Dawson, Nebraska CD Rate Database

MonitorBankRates tracks 972 CD rates from 72 banks and 35 credit unions with locations in Dawson, Nebraska, plus national online institutions available to Nebraska residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Synchrony Bank offers a CD at 4.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Dawson, Nebraska.

How to Find the Best CD Rates in Dawson, Nebraska

What to compare when shopping for a CD in Dawson, Nebraska

To find the best APYs in Dawson, Nebraska, start with credit unions and online-only banks: Dawson, Nebraska has 35 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Dawson, Nebraska

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Dawson, Nebraska: 107 institutions here report CD rates

Consider an Alternative If…

Nebraska Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+
16.7%
National avg: 17.3%
Median Individual Earnings
$44,279
National avg: $47,340
Poverty Rate
10.6%
National avg: 11.1%
Unemployment Rate
3.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$137/yr
At NE 12-mo avg 3.097% APY

16.7% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.0% reflects a strong local economy. At today’s NE 12-month CD average of 3.097%, saving 10% of the local median salary ($4,427/year) and putting it in a CD would earn an additional $137 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Dawson, Nebraska

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

CD Product Information

How CDs Work

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Dawson, Nebraska typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Dawson, Nebraska as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Dawson, Nebraska savers easier access to their funds. For example, First Community Bank Beemer, NE is offering its 6 Month Certificates of Deposit at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Synchrony Bank is offering its Certificate of Deposit - 60 Months at 4.75% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Dawson, Nebraska saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Dawson, Nebraska CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates

Most CDs carry a fixed rate that is locked for the entire term, protecting a Dawson, Nebraska depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Dawson, Nebraska

What are CD rates in Dawson, Nebraska today?

Dawson, Nebraska CD rates from banks and credit unions serving Nebraska range from 0.05% to 4.75% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 4.75% APY at Synchrony Bank (Certificate of Deposit - 60 Months), 4.55% at First Westroads Bank (48 Month CD) and 4.50% at Omaha Federal Credit Union (36 Month Share Certificate), compared with the MonitorBankRates national 12 month average of 3.01% APY.

Are CD rates in Dawson, Nebraska FDIC insured?

Yes, most established banks in Dawson, Nebraska are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Dawson, Nebraska?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Dawson, Nebraska.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Dawson, Nebraska may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Dawson, Nebraska?

Here are recent top rates found for this area:
  • Synchrony Bank: 4.75% APY (Certificate of Deposit - 60 Months)
  • First Westroads Bank: 4.55% APY (48 Month CD)
  • Omaha Federal Credit Union: 4.50% APY (36 Month Share Certificate)
  • Gallup Federal Credit Union: 4.50% APY (60 Month Certificates of Deposit (CDs))
  • Cornhusker Bank: 4.46% APY (Business Certificates of Deposit - 48 Month)
  • Union Bank and Trust Company: 4.40% APY (24 Month Certificate of Deposit)
  • Farmers and Merchants Bank Milligan, NE: 4.37% APY (Certificates of Deposit - 36 Month)
  • Thayer County Bank: 4.36% APY (48 Month CD)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • FirsTier Bank: 4.35% APY (12 Month CD)
Rates reflect recent verified offers available in Dawson, Nebraska. Last Updated: October 31, 2026

Dawson, Nebraska CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Dawson, Nebraska rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Dawson, Nebraska CD Rates by Term

Verified October 31, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Dawson, Nebraska. Averages shown use the Nebraska state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Dawson, Nebraska

Dawson, Nebraska CD Calculator

At today’s NE top rate of 4.75% APY, a $10,000 deposit earns $475 in the first year. Enter your amount to see your exact return.

Dawson, Nebraska CD Ladder

NE CD rates currently range from 2.002% (3-month) to 2.827% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Dawson, Nebraska CD at 4.75% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Nebraska’s average 12-month CD is 3.097% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Dawson, Nebraska CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Dawson, Nebraska directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Dawson, Nebraska. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NE.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 31, 2026

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