CD Rates Oneill, Nebraska (NE) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Current Oneill, Nebraska CD rates include Farmers and Merchants Bank Milligan, NEFarmers and Merchants Bank Milligan, NEA+5.0 ★Texas Ratio: 0.00% offering 6 Month CD at 4.27% APY, Union Pacific Streamliner Federal Credit UnionUnion Pacific Streamliner Federal Credit UnionA+5.0 ★Texas Ratio: 2.76% offering 36-Month Share Certificate - Special at 3.95% APY, Nebraska Energy Federal Credit UnionNebraska Energy Federal Credit UnionA+5.0 ★Texas Ratio: 0.23% offering 6 Month Share Certificate at 3.90% APY, The Bank of SteinauerThe Bank of SteinauerA+5.0 ★Texas Ratio: 0.00% offering 6 Month Certificate of Deposit at 3.86% APY, and Thayer County BankThayer County BankA5.0 ★Texas Ratio: 7.27% offering 48 Month CD at 3.86% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.
Oneill is a smaller community with no bank or credit union branches currently in our database. 225 institutions serving the Nebraska area are available to Oneill residents, with CD rates as high as 4.27% APY from Farmers and Merchants Bank Milligan, NE. Rates are continually updated — 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: April 5, 2026
Compare Best CD Rates in Oneill, Nebraska & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificates of Deposit
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Archer Cooperative Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.60%
Share & IRA Certificates 3 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month Certificates of Deposit Platinum Tier
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Loyalty Program
Access Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
3 Month Special Certificates of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Western Nebraska Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
3 Month Certificates Of Deposit
$250
3.70%
▼
Rate3.65%
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
$250 minimum to open except for Stockpiler which is $100 minumum to open.
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 MONTH Certificates of Deposit
$10,000
3.19%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 2026
Details
Premier Bank Omaha, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3 Month Certificates of Deposit
$1,000
2.27%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$0
1.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
3 MONTH Certificates of Deposit
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate1.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
3 Month CD
$100,000
1.00%
▼
Rate1.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Wahoo State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 3 Month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
City Bank & Trust Co. Lincoln, NE
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
3 Month Certificates of Deposit
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
I3 Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
3 Month Certificates of Deposit & IRAs
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$500
4.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Penalty for early withdrawal
Nebraska Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
6 Month Share Certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Special - Limited Time Limit One Per Member
The Bank of Steinauer
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$500
3.86%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificates of Deposit
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.71%
Min Deposit$75,000
Min Balance—
UpdatedApr 5, 2026
Details
$75,000.00 and up
Archer Cooperative Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.60%
Share & IRA Certificates 6 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Union Pacific Streamliner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
6-Month Share Certificate - Special
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Sidney Federal S&L
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
6 Month CD Special
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Nebraska Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
6 Month initial term promo rate
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
See matching term for minimum balance requirement
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificates of Deposit 6 Month
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month CD or IRA
$500
3.44%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
6 month CD's
$2,500
3.39%
▼
Rate3.35%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 6 month
$90,000
3.35%
▼
Rate3.30%
Min Deposit$90,000
Min Balance—
UpdatedApr 5, 2026
Details
$90,000.00
First Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
6-Month Certificate
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Lincoln SDA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
6 Month Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
United Republic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Regular and Retirement Time Certificates 6-month
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
6 MONTH Certificates of Deposit
$0
2.98%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Premier Bank Omaha, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
6 Month Certificates of Deposit
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
6 Month CD
$100,000
2.52%
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Daily Balance: $100,000.00 and up
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 MONTH Certificates of Deposit
$2,500
2.27%
▼
Rate2.25%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Wahoo State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificates of Deposit
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Commercial State Bank Wausa, NE
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6 Month Certificates of Deposit
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Western Nebraska Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
6 Month Certificates Of Deposit
$250
1.21%
▼
Rate1.20%
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
$250 minimum to open except for Stockpiler which is $100 minumum to open.
MembersOwn Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
6-month IRA Certificate
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Heritage Bank Wood River, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal & IRA CDs 6 month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
City Bank & Trust Co. Lincoln, NE
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
6 Month Certificates of Deposit
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificates of Deposit
$0
4.11%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12 Month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
12-month Share Certificate special
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.69%
Min Deposit$75,000
Min Balance—
UpdatedApr 5, 2026
Details
Exchange Bank (NE)
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
12 Month CD Special
$2,500
3.70%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
In select markets only. The annual percentage yield is accurate as of date of publication. The minimum deposit $2,500.00. Offer may expire without notice. Penalty assessed for early withdrawal-fees could reduce the earnings on the account. No minimum to earn APY.
Rate3.60%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
$5,000+
Union Pacific Streamliner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
12-Month Share Certificate - Special
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Sidney Federal S&L
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
12 Month CD Special
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
12-Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA 12 Month CD
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
Baby Bundle Certificates 12 Month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
12 month CD's
$50,000
3.39%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
First Nebraska Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
12 Month initial term promo rate
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
See matching term for minimum balance requirement
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1 Year CD
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Lincoln SDA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
12 Month New Deposit Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
12-month Certificate
$10,000
3.20%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 12 month
$90,000
3.10%
▼
Rate3.05%
Min Deposit$90,000
Min Balance—
UpdatedApr 5, 2026
Details
$90,000.00
Wahoo State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificates of Deposit
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
TFB Tecumseh Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Commercial State Bank Wausa, NE
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
12 Month Certificates of Deposit
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
12 Month CD
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 MONTH Certificates of Deposit
$2,500
2.57%
▼
Rate2.55%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Citizens Bank & Trust Company NE
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
12 Month Certificate of Deposit
$500
2.37%
▼
Rate2.35%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
First Bank and Trust of Fullerton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month Certificate of Deposit
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
12-Month Certificates
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
12 MONTH Certificates of Deposit
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD Individual Retirement Account
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificates of Deposit
$1,000
1.61%
▼
Rate1.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Madison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
12 Month Certificate of Deposit
$500
1.60%
▼
Rate1.59%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Heritage Bank Wood River, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal & IRA CDs 12 month
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bank of Elgin
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit 12 Month
$500
1.46%
▼
Rate1.45%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Western Nebraska Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
12 Month Certificates Of Deposit
$250
1.41%
▼
Rate1.40%
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
$250 minimum to open except for Stockpiler which is $100 minumum to open.
Jones Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
12 Month Certificates of Deposit and Individual Retirement Accounts
$0
1.05%
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
City Bank & Trust Co. Lincoln, NE
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
12 Month Certificates of Deposit
$25,000
0.70%
▼
Rate0.70%
Min Deposit$25,000
Min Balance—
UpdatedApr 5, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Qualifying balance up to $49,000.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Archer Cooperative Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.60%
Share & IRA Certificates 18 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
18-Month Certificate
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
FNB of Gordon
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month Certificate of Deposit
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Union Pacific Streamliner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
18-Month Share Certificate - Tier I
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificates of Deposit 18 Month
$1,000
3.44%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18 Month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
18 month CD's
$10,000
3.24%
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 2026
Details
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 MONTH Certificates of Deposit
$10,000
3.19%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 18 month
$90,000
3.05%
▼
Rate3.00%
Min Deposit$90,000
Min Balance—
UpdatedApr 5, 2026
Details
$90,000.00
TFB Tecumseh Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
18 Month Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
18 MONTH Certificates of Deposit
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
18 Month Certificates of Deposit & IRA's
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD Individual Retirement Account
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
United Republic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Regular and Retirement Time Certificates 18-month
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
18 month Variable IRA
$0
1.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Citizens Bank & Trust Company NE
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Month IRA Certificate of Deposit
$500
1.81%
▼
Rate1.80%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificates of Deposit
$10,000
1.66%
▼
Rate1.65%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 2026
Details
Wahoo State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificates of Deposit
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Madison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
18 Month Certificate of Deposit
$500
1.60%
▼
Rate1.59%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Heritage Bank Wood River, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal & IRA CDs 18 month
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Jones Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month Certificates of Deposit and Individual Retirement Accounts
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
City Bank & Trust Co. Lincoln, NE
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
18 Month Certificates of Deposit
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
I3 Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
18 Month Certificates of Deposit & IRAs
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificates of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Exchange Bank (NE)
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
24 Month CD Special
$2,500
3.65%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
In select markets only. The annual percentage yield is accurate as of date of publication. The minimum deposit $2,500.00. Offer may expire without notice. Penalty assessed for early withdrawal-fees could reduce the earnings on the account. No minimum to earn APY.
Archer Cooperative Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.60%
Share & IRA Certificates 24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
24-month CD
$1,000
3.51%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificates of Deposit 24 Month
$1,000
3.44%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
FNB of Gordon
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
24 Month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
Baby Bundle Certificates 24 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 MONTH Certificates of Deposit
$10,000
3.19%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 2026
Details
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
24 MONTH Certificates of Deposit
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
24-Month Certificate
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
24 month CD's
$10,000
3.08%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 2026
Details
Commercial State Bank Wausa, NE
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
24 Month Certificates of Deposit
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 24 month
$90,000
2.85%
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 5, 2026
Details
$90,000.00
Citizens Bank & Trust Company NE
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24 Month Certificate of Deposit
$500
2.57%
▼
Rate2.55%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA 24 Month CD
$500
2.50%
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD Individual Retirement Account
$0
2.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
24 Month Certificates of Deposit & IRA's
$1,000
2.27%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First Bank and Trust of Fullerton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24-Month Certificate of Deposit
$500
2.26%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
The Bank of Steinauer
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate of Deposit
$500
2.22%
▼
Rate2.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Western Nebraska Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
24 Month Certificates Of Deposit
$250
2.17%
▼
Rate2.15%
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
$250 minimum to open except for Stockpiler which is $100 minumum to open.
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
24-Month Certificates
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bank of Elgin
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit 24 Month
$500
1.86%
▼
Rate1.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Wahoo State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 24 Month
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificates of Deposit
$1,000
1.71%
▼
Rate1.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Madison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
24 Month Certificate of Deposit
$500
1.70%
▼
Rate1.69%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Heritage Bank Wood River, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal & IRA CDs 24 month
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
City Bank & Trust Co. Lincoln, NE
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
24 Month Certificates of Deposit
$25,000
0.85%
▼
Rate0.85%
Min Deposit$25,000
Min Balance—
UpdatedApr 5, 2026
Details
I3 Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
24 Month Certificates of Deposit & IRAs
$500
0.80%
▼
Rate0.80%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Union Pacific Streamliner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
36-Month Share Certificate - Special
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificates of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Exchange Bank (NE)
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
36 Month CD Special
$2,500
3.60%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
In select markets only. The annual percentage yield is accurate as of date of publication. The minimum deposit $2,500.00. Offer may expire without notice. Penalty assessed for early withdrawal-fees could reduce the earnings on the account. No minimum to earn APY.
Premier Bank Omaha, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
36 Month Certificates of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Archer Cooperative Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.60%
Share & IRA Certificates 36 Month
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.41%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
36 MONTH Certificates of Deposit
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificates of Deposit 36 Month
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Commercial State Bank Wausa, NE
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
36 Month Certificates of Deposit
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
36 month CD's
$50,000
3.24%
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
36 Month CD or IRA
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
First Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
36-Month Certificate
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 MONTH Certificates of Deposit
$10,000
3.03%
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 2026
Details
United Republic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Regular and Retirement Time Certificates 36-month
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 36 month
$90,000
2.85%
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 5, 2026
Details
$90,000.00
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD Individual Retirement Account
$0
2.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA 36 Month CD
$500
2.50%
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
The Bank of Steinauer
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate of Deposit
$500
2.47%
▼
Rate2.45%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.33%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
36 Month Certificates of Deposit & IRA's
$1,000
2.27%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Wahoo State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificates of Deposit
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
FNB of Gordon
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month Certificate of Deposit
$0
2.07%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bank of Elgin
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit 36 Month
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificates of Deposit
$5,000
1.86%
▼
Rate1.85%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Madison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
36 Month Certificate of Deposit
$500
1.85%
▼
Rate1.84%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
36-month IRA Certificate
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Heritage Bank Wood River, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal & IRA CDs 36 month
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
City Bank & Trust Co. Lincoln, NE
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
36 Month Certificates of Deposit
$25,000
0.95%
▼
Rate0.95%
Min Deposit$25,000
Min Balance—
UpdatedApr 5, 2026
Details
I3 Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
36 Month Certificates of Deposit & IRAs
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.80%
Min Deposit$75,000
Min Balance—
UpdatedApr 5, 2026
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificates of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Archer Cooperative Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.60%
Share & IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
48 Month CD or IRA
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
48 MONTH Certificates of Deposit
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificates of Deposit 48 Month
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
48 month CD's
$50,000
3.24%
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
First Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
48-Month Certificate
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 MONTH Certificates of Deposit
$10,000
3.03%
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 2026
Details
Commercial State Bank Wausa, NE
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
48 Month Certificates of Deposit
$0
2.99%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
48 Month CD IRA Certificates
$100,000
2.88%
▼
Rate2.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 48 month
$90,000
2.85%
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 5, 2026
Details
$90,000.00
The Bank of Steinauer
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$0
2.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
TFB Tecumseh Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
48 Month Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Bank and Trust of Fullerton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48-Month Certificate of Deposit
$500
2.51%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA 48 Month CD
$500
2.50%
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.38%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Western Nebraska Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
48 Month Certificates Of Deposit
$250
2.37%
▼
Rate2.35%
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
$250 minimum to open except for Stockpiler which is $100 minumum to open.
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
48 Month Certificates of Deposit & IRA's
$1,000
2.27%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Wahoo State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificates of Deposit
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificates of Deposit
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Jones Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
48 Month Certificates of Deposit and Individual Retirement Accounts
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
48-month IRA Certificate
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Heritage Bank Wood River, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal & IRA CDs 48 month
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
I3 Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
48 Month Certificates of Deposit & IRAs
$500
1.16%
▼
Rate1.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
City Bank & Trust Co. Lincoln, NE
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
48 Month Certificates of Deposit
$25,000
1.00%
▼
Rate1.00%
Min Deposit$25,000
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificates of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Archer Cooperative Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.60%
Share & IRA Certificates 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
60 Month CD or IRA
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
60 MONTH Certificates of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 month CD's
$50,000
3.24%
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
First Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
60-Month Certificate
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Madison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
60 Month Certificate of Deposit
$500
3.10%
▼
Rate3.08%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Premier Bank Omaha, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
60 Month Certificates of Deposit
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 60 month
$90,000
2.85%
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 5, 2026
Details
$90,000.00
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate of Deposit
$0
2.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Western Nebraska Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
60 Month Certificates Of Deposit
$250
2.52%
▼
Rate2.50%
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
$250 minimum to open except for Stockpiler which is $100 minumum to open.
First Bank and Trust of Fullerton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60-Month Certificate of Deposit
$500
2.51%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA 60 Month CD
$500
2.50%
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Wahoo State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificates of Deposit
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
60 Month Certificates of Deposit & IRA's
$1,000
2.27%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Jones Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month Certificates of Deposit and Individual Retirement Accounts
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
FNB of Gordon
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month Certificate of Deposit
$0
2.07%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 MONTH Certificates of Deposit
$2,500
2.02%
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Heritage Bank Wood River, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal & IRA CDs 60 month
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
I3 Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
60 Month Certificates of Deposit & IRAs
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
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MonitorBankRates
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.
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Oneill, NE CD Rate Trends
Compare local Oneill, 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.
12-Month CD — NE Avg
3.221%
▲ 0.414 vs 7 days ago
Nebraska 12-month CD rates rose 0.414 points over the past 7 days to 3.221% APY.
6-Month CD — NE Avg
3.145%
▲ 0.168 vs 7 days ago
Nebraska 6-month CD rates rose 0.168 points over the past 7 days to 3.145% APY.
As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Oneill, Nebraska
Are CD rates in Oneill, Nebraska FDIC insured?
Yes, most established banks in Oneill, 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 Oneill, 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 Oneill, 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 Oneill, 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 Oneill, Nebraska?
Here are recent top rates found for this area:
- Farmers and Merchants Bank Milligan, NE: 4.27% APY (6 Month CD)
- Union Pacific Streamliner Federal Credit Union: 3.95% APY (36-Month Share Certificate - Special)
- Nebraska Energy Federal Credit Union: 3.90% APY (6 Month Share Certificate)
- The Bank of Steinauer: 3.86% APY (6 Month Certificate of Deposit)
- Thayer County Bank: 3.86% APY (48 Month CD)
- Archer Cooperative Credit Union: 3.85% APY (Share & IRA Certificates 3 Month)
- Countryside Bank: 3.80% APY (6 Month Certificates of Deposit)
- Bankers Trust Company: 3.80% APY (3 Month Certificates of Deposit Platinum Tier)
- Consumers Cooperative Federal Credit Union: 3.80% APY (12 Month Certificate)
- Access Bank: 3.75% APY (3 Month Special Certificates of Deposit)
Rates reflect recent verified offers available in Oneill, Nebraska. Last Updated: April 5, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Oneill, 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 pulling data straight 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 Oneill, 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: April 5, 2026
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