Brian McKay
Current Lindsay, Nebraska CD rates include Archer Cooperative Credit UnionArcher Cooperative Credit UnionA5.0 ★Texas Ratio: 8.07%Real return: +2.20%APY minus CPI (February 2026) offering 1 Year One Year Student Share Certificates at 5.00% APY, Farmers and Merchants Bank Milligan, NEFarmers and Merchants Bank Milligan, NEA+5.0 ★Texas Ratio: 1.40%Real return: +1.57%APY minus CPI (February 2026) offering 36 Month Certificate at 4.37% APY, Thayer County BankThayer County BankA+5.0 ★Texas Ratio: 1.69%Real return: +1.45%APY minus CPI (February 2026) offering 48 Month CD at 4.25% APY, Access BankAccess BankA+5.0 ★Texas Ratio: 3.62%Real return: +1.25%APY minus CPI (February 2026) offering 12 Month Certificate Special at 4.05% APY, and Cobalt Federal Credit UnionCobalt Federal Credit UnionA+5.0 ★Texas Ratio: 5.54%Real return: +1.25%APY minus CPI (February 2026) offering 6 Month Business Term Share Certificate at 4.05% APY. CD rates as of September 16, 2026 according to verified data from MonitorBankRates.
Lindsay is a smaller community with no bank or credit union branches currently in our database. 667 institutions serving the Nebraska area are available to Lindsay residents, with CD rates as high as 5.00% APY from Archer Cooperative Credit Union. 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: September 16, 2026
Balance: $1,000 Minimum Balance
Simple Interest
Member Loyalty APY: 4.20%
Member Loyalty APY: 4.10%
Supercharge your savings with a Share Certificate from NEFCU - proudly serving employees of the electrical power industry and their families.
Special - Limited Time Limit One Per Member
Open Online
Compounding: Quarterly
See matching term for minimum balance requirement
Minimum to open waived for existing checking and savings account customers. Penalty for early withdrawal. Consumer accounts only. Rates are subject to change without notice.
Maximum $10,000.00. Eligible through age 22.
New money
Member Loyalty APY: 4.15%
Period: Monthly
Member Loyalty APY: 4.05%
Compounding: Quarterly
$5,000+
See matching term for minimum balance requirement
Minimum to open waived for existing checking and savings account customers. Penalty for early withdrawal. Consumer accounts only. Rates are subject to change without notice.
Balance: $1,000 Minimum Balance
$1,000
$10,000
Checking Account Relation
Member Loyalty APY: 3.50%
Compounding: Quarterly
Member Loyalty APY: 3.40%
**REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
Visit a branch
Rate subject to change. APY may change after account opening.
APY is current as of 5/20/2026 and subject to change without notice. A penalty may be imposed for early withdrawal.
Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details.
Minimum to open waived for existing checking and savings account customers. Penalty for early withdrawal. Consumer accounts only. Rates are subject to change without notice.
Member Loyalty APY: 3.45%
Compounding: Quarterly
Balance: $1,000 Minimum Balance
Period: Monthly
Member Loyalty APY: 3.35%
**REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
One Bump - Up per Term
Minimum to open waived for existing checking and savings account customers. Penalty for early withdrawal. Consumer accounts only. Rates are subject to change without notice.
STEP-UP
Balance: $1,000 Minimum Balance
Period: Quarterly
Member Loyalty APY: 3.15%
**REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
Period: Quarterly
Member Loyalty APY: 3.05%
Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details.
Minimum to open waived for existing checking and savings account customers. Penalty for early withdrawal. Consumer accounts only. Rates are subject to change without notice.
Member Loyalty APY: 3.15%
Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details.
**REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
Member Loyalty APY: 3.05%
Minimum to open waived for existing checking and savings account customers. Penalty for early withdrawal. Consumer accounts only. Rates are subject to change without notice.
STEP-UP
Member Loyalty APY: 3.15%
Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details.
Member Loyalty APY: 3.05%
**REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
Compare local Lindsay, 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.
Nebraska 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.
Nebraska 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.
Where are Nebraska CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.043% | $102.14 | $204.28 | $510.70 | $1,021.40 |
| 6-Month CD | 2.746% | $137.27 | $274.55 | $686.37 | $1,372.75 |
| 12-Month CD | 2.921% | $146.06 | $292.11 | $730.28 | $1,460.55 |
| 18-Month CD | 2.824% | $141.19 | $282.38 | $705.95 | $1,411.90 |
| 24-Month CD | 2.843% | $142.16 | $284.32 | $710.80 | $1,421.60 |
| 36-Month CD | 2.765% | $138.26 | $276.52 | $691.30 | $1,382.60 |
| 48-Month CD | 2.778% | $138.91 | $277.82 | $694.55 | $1,389.10 |
| 60-Month CD | 2.858% | $142.91 | $285.81 | $714.53 | $1,429.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 16, 2026. | |||||
$25,000 split equally across 5 terms using today’s Nebraska average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NE Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.043% | $102.14 |
| 2 | 6-Month CD | $5,000 | 2.746% | $137.27 |
| 3 | 12-Month CD | $5,000 | 2.921% | $146.06 |
| 4 | 24-Month CD | $5,000 | 2.843% | $142.16 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.26 |
| Total ($25,000 invested) | $25,000 | 2.664% blended | $665.89/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.
MonitorBankRates tracks 649 CD rates from 57 banks and 29 credit unions with locations in Lindsay, 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 (1–5), 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: Archer Cooperative Credit Union offers a CD at 5.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Lindsay, Nebraska.
What to compare when shopping for a CD in Lindsay, Nebraska
To find the best APYs in Lindsay, Nebraska, start with credit unions and online-only banks: Lindsay, Nebraska has 29 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.
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
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 2.921%, saving 10% of the local median salary ($4,427/year) and putting it in a CD would earn an additional $129 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
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 (90–180 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 |
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 Lindsay, 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 Lindsay, Nebraska as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Lindsay, Nebraska savers easier access to their funds. For example, Farmers and Merchants Bank Milligan, NE is offering its 6 Month Certificate at 4.06% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Farmers and Merchants Bank Milligan, NE is offering its 60 Month Certificate at 4.37% 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.
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 Lindsay, 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.
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 Lindsay, Nebraska CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Lindsay, 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.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Lindsay, Nebraska rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
At today’s NE top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Lindsay, Nebraska CD LadderNE CD rates currently range from 2.043% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lindsay, Nebraska CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNebraska’s average 12-month CD is 2.921% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lindsay, 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 Lindsay, 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 Lindsay, 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.