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CD Rate Trends

Reynolds, Nebraska Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 19, 2026

Reynolds, Nebraska CD rates from banks and credit unions serving Nebraska range from 0.02% to 4.55% APY, verified by MonitorBankRates as of October 19, 2026. Current Reynolds, Nebraska CD rates include First Westroads BankFirst Westroads BankA+5.0 ★Texas Ratio: 0.04%Real return: +1.75%APY minus CPI (February 2026) offering 48 Month CD at 4.55% APY, Omaha Federal Credit UnionOmaha Federal Credit UnionA+5.0 ★Texas Ratio: 3.18%Real return: +1.70%APY minus CPI (February 2026) offering Share Certificates - 36 Month at 4.50% APY, Cornhusker BankCornhusker BankA+5.0 ★Texas Ratio: 0.16%Real return: +1.66%APY minus CPI (February 2026) offering 48 Month Certificate of Deposit at 4.46% APY, Union Bank and Trust CompanyUnion Bank and Trust CompanyA+5.0 ★Texas Ratio: 2.09%Real return: +1.60%APY minus CPI (February 2026) offering 24 Month Certificate of Deposit at 4.40% APY, and Farmers and Merchants Bank Milligan, NEFarmers and Merchants Bank Milligan, NEA+5.0 ★Texas Ratio: 0.64%Real return: +1.57%APY minus CPI (February 2026) offering 36 Month Certificate of Deposit at 4.37% APY. CD rates as of October 19, 2026 according to verified data from MonitorBankRates.

Reynolds is a smaller community with no bank or credit union branches currently in our database. 768 institutions serving the Nebraska area are available to Reynolds residents, with CD rates as high as 4.55% APY from First Westroads 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 19, 2026

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

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Reynolds 3 Month CD Rates

Nebraska 3 Month CD Average2.11% APYNational 2.12%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
3 Month CD
$0
4.14% ▲ 2.03% above Nebraska avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 2.03% above avgNationally 2.12%
Details

Annual Percentage Yield is current as of September 21, 2026; a penalty may be imposed for early withdrawal; certificate automatically renews to a fixed rate CD of the equivalent term at the current rate

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 19, 2026
  • Sep 24, 20264.14%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD - Loyalty Platinum Tier
$0
4.06% ▲ 1.95% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.95% above avgNationally 2.12%
Details

Loyalty Program Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)

Rate History
No change since Oct 14, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 14, 2026: 4.06% APYOct 14, 2026Oct 19, 2026
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3 Month Certificate of Deposit
$0
4.06% ▲ 1.95% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.95% above avgNationally 2.12%
Details

Penalty with early withdrawal

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 19, 2026
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3 Month Certificate Of Deposit
$250
4.06% ▲ 1.95% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.11%▲ 1.95% above avgNationally 2.12%
Details

Rate History
No change since Oct 7, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 7, 2026: 4.06% APYOct 7, 2026Oct 19, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3 Month Certificate of Deposit (CD)
$0
4.01% ▲ 1.90% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.11%▲ 1.90% above avgNationally 2.12%
Details

Balance: >= $150,000

Rate History
1 change since Sep 14, 2026 · 1.00% → 4.01% ▲ 3.01 pts · high 4.01% / low 1.00%
0.00%3.51%7.02%Sep 14, 2026: 1.00% APYSep 24, 2026: 4.01% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.01%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3-Month CD
$1,000
4.00% ▲ 1.89% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.89% above avgNationally 2.12%
Details

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

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 19, 2026
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3 MONTH CD Special
$500
4.00% ▲ 1.89% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.11%▲ 1.89% above avgNationally 2.12%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 19, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD - Loyalty Gold Tier
$0
3.96% ▲ 1.85% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.85% above avgNationally 2.12%
Details

Loyalty Program Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)

Rate History
No change since Oct 14, 2026 · 3.96% APY
3.46%3.96%4.46%Oct 14, 2026: 3.96% APYOct 14, 2026Oct 19, 2026
Archer Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
3 Month Share & IRA Certificates
$500
3.95% ▲ 1.84% above Nebraska avg
View
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.11%▲ 1.84% above avgNationally 2.12%
Details

Early withdrawal: 90 days dividend penalty (2 years or less); 180 days dividend penalty (over 2 years)

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
3.30%3.88%4.45%Sep 14, 2026: 3.80% APYOct 19, 2026: 3.95% APYSep 14, 2026Oct 19, 2026
  • Oct 19, 20263.95%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$500
3.91% ▲ 1.80% above Nebraska avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.80% above avgNationally 2.12%
Details

Balance: $100,000.00 and up

Rate History
1 change since Sep 19, 2026 · 3.85% → 3.91% ▲ 0.06 pts · high 3.91% / low 3.85%
3.35%3.88%4.41%Sep 19, 2026: 3.85% APYOct 3, 2026: 3.91% APYSep 19, 2026Oct 19, 2026
  • Oct 3, 20263.91%▲ from 3.85%
  • Sep 19, 20263.85%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3 Month Certificate of Deposit (CD)
$0
3.91% ▲ 1.80% above Nebraska avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.11%▲ 1.80% above avgNationally 2.12%
Details

Balance: $50,000 - $149,999.99

Rate History
No change since Sep 24, 2026 · 3.91% APY · checked 5 times
3.41%3.91%4.41%Sep 24, 2026: 3.91% APYSep 24, 2026Oct 19, 2026
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
3 Month CD
$1,000
3.90% ▲ 1.79% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.79% above avgNationally 2.12%
Details

Minimum deposit to open and earn APY; interest compounded quarterly unless otherwise stated; rate and APY fixed for the term; substantial penalty for early withdrawal; rates effective as of 10/05/2026

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 19, 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% ▲ 1.79% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.79% above avgNationally 2.12%
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 19, 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% ▲ 1.79% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.11%▲ 1.79% above avgNationally 2.12%
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 4 times
3.40%3.90%4.40%Oct 5, 2026: 3.90% APYOct 5, 2026Oct 19, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account
$500
3.85% ▲ 1.74% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.74% above avgNationally 2.12%
Details

Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; 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 19, 2026
  • Oct 14, 20263.85%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD - Loyalty Silver Tier
$0
3.85% ▲ 1.74% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.74% above avgNationally 2.12%
Details

Loyalty Program Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 19, 2026
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$500
3.85% ▲ 1.74% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.74% above avgNationally 2.12%
Details

Balance: $25,000.00-99,999.99

Rate History
1 change since Sep 19, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
3.30%3.82%4.35%Sep 19, 2026: 3.80% APYOct 3, 2026: 3.85% APYSep 19, 2026Oct 19, 2026
  • Oct 3, 20263.85%▲ from 3.80%
  • Sep 19, 20263.80%first recorded
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month CD
$500
3.85% ▲ 1.74% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.74% above avgNationally 2.12%
Details

Substantial penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 20, 2026: 3.85% APYSep 20, 2026Oct 19, 2026
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$500
3.80% ▲ 1.69% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.69% above avgNationally 2.12%
Details

Balance: $500.00-24,999.99

Rate History
1 change since Sep 19, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 19, 2026: 3.75% APYOct 3, 2026: 3.80% APYSep 19, 2026Oct 19, 2026
  • Oct 3, 20263.80%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3 Month Certificate of Deposit (CD)
$0
3.80% ▲ 1.69% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.11%▲ 1.69% above avgNationally 2.12%
Details

Balance: $500 - $49,999.99

Rate History
1 change since Sep 14, 2026 · 0.80% → 3.80% ▲ 3.00 pts · high 3.80% / low 0.80%
0.00%3.40%6.80%Sep 14, 2026: 0.80% APYSep 24, 2026: 3.80% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20263.80%▲ from 0.80%
  • Sep 14, 20260.80%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD - Loyalty Bronze Tier
$0
3.75% ▲ 1.64% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.64% above avgNationally 2.12%
Details

Loyalty Program Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 19, 2026
Access Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
3 Month Business Certificate of Deposit
$0
3.70% ▲ 1.59% above Nebraska avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.59% above avgNationally 2.12%
Details

Interest Paid: Quarterly and at Maturity

Rate History
1 change since Sep 19, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 19, 2026: 3.60% APYOct 7, 2026: 3.70% APYSep 19, 2026Oct 19, 2026
  • Oct 7, 20263.70%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
Access Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
3 Month Certificate of Deposit
$0
3.70% ▲ 1.59% above Nebraska avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.59% above avgNationally 2.12%
Details

Interest paid: Quarterly and at Maturity

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 19, 2026
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 3 Month
$5,000
3.65% ▲ 1.54% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.54% above avgNationally 2.12%
Details

Rate History
No change since Oct 14, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 19, 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% ▲ 1.49% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.49% above avgNationally 2.12%
Details

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 8, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
  • Oct 8, 20263.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 3 Months
$500
3.60% ▲ 1.49% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.49% above avgNationally 2.12%
Details

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 8, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
  • Oct 8, 20263.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Time Certificates of Deposit - 3 Months
$500
3.60% ▲ 1.49% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.49% above avgNationally 2.12%
Details

Time Certificates 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 19, 2026
  • Oct 14, 20263.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD
$0
3.55% ▲ 1.44% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.44% above avgNationally 2.12%
Details

Base Interest Rate and Base APY (Consumer Rate Sheet)

Rate History
1 change since Sep 15, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29%
2.79%3.42%4.05%Sep 15, 2026: 3.29% APYSep 27, 2026: 3.55% APYSep 15, 2026Oct 19, 2026
  • Sep 27, 20263.55%▲ from 3.29%
  • Sep 15, 20263.29%first recorded
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3 Month Certificate
$0
3.50% ▲ 1.39% above Nebraska avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.11%▲ 1.39% above avgNationally 2.12%
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 19, 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%
3 Month Certificate of Deposit
$1,000
3.46% ▲ 1.35% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.35% above avgNationally 2.12%
Details

Rate History
1 change since Sep 30, 2026 · 3.26% → 3.46% ▲ 0.20 pts · high 3.46% / low 3.26%
2.76%3.36%3.96%Sep 30, 2026: 3.26% APYOct 1, 2026: 3.46% APYSep 30, 2026Oct 19, 2026
  • Oct 1, 20263.46%▲ from 3.26%
  • Sep 30, 20263.26%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Business Certificates of Deposit - 3 Month
$1,000
3.46% ▲ 1.35% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.35% above avgNationally 2.12%
Details

Rate History
1 change since Sep 30, 2026 · 3.26% → 3.46% ▲ 0.20 pts · high 3.46% / low 3.26%
2.76%3.36%3.96%Sep 30, 2026: 3.26% APYOct 1, 2026: 3.46% APYSep 30, 2026Oct 19, 2026
  • Oct 1, 20263.46%▲ from 3.26%
  • Sep 30, 20263.26%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40% ▲ 1.29% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▲ 1.29% above avgNationally 2.12%
Details

Penalty for early withdrawal applies; Open Online or Open In Person

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 19, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD's - 3 month
$500
3.29% ▲ 1.18% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.11%▲ 1.18% above avgNationally 2.12%
Details

Rate History
No change since Oct 15, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 15, 2026: 3.29% APYOct 15, 2026Oct 19, 2026
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3 Month Certificates of Deposit
$0
3.19% ▲ 1.08% above Nebraska avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.11%▲ 1.08% above avgNationally 2.12%
Details

Balance: $10,000+

Rate History
No change since Sep 19, 2026 · 3.19% APY · checked 6 times
2.69%3.19%3.69%Sep 19, 2026: 3.19% APYSep 19, 2026Oct 19, 2026
Platte Valley Bank North Bend, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3 Month Certificate
$500
2.30% ▲ 0.19% above Nebraska avg
View
▼
Rate2.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.11%▲ 0.19% above avgNationally 2.12%
Details

Rate History
1 change since Sep 11, 2026 · 1.30% → 2.30% ▲ 1.00 pts · high 2.30% / low 1.30%
0.30%1.80%3.30%Sep 11, 2026: 1.30% APYSep 19, 2026: 2.30% APYSep 11, 2026Oct 19, 2026
  • Sep 19, 20262.30%▲ from 1.30%
  • Sep 11, 20261.30%first recorded
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3 Month Certificates of Deposit
$0
2.27% ▲ 0.16% above Nebraska avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.11%▲ 0.16% above avgNationally 2.12%
Details

Balance: $2,500 - $9,999

Rate History
No change since Sep 19, 2026 · 2.27% APY · checked 6 times
1.77%2.27%2.77%Sep 19, 2026: 2.27% APYSep 19, 2026Oct 19, 2026
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3 Month Certificate of Deposit
$0
2.27% ▲ 0.16% above Nebraska avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.11%▲ 0.16% above avgNationally 2.12%
Details

Rate History
No change since Sep 24, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 24, 2026: 2.27% APYSep 24, 2026Oct 19, 2026
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3 Month IRA Certificate
$0
2.27% ▲ 0.16% above Nebraska avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.11%▲ 0.16% above avgNationally 2.12%
Details

Rate History
No change since Oct 7, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 7, 2026: 2.27% APYOct 7, 2026Oct 19, 2026
First State Bank Hordville, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$500
2.02% ▼ 0.09% below Nebraska avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▼ 0.09% below avgNationally 2.12%
Details

Interest compounded quarterly; substantial penalty for early withdrawal

Rate History
No change since Sep 7, 2026 · 2.02% APY · checked 9 times
1.52%2.02%2.52%Sep 7, 2026: 2.02% APYSep 7, 2026Oct 19, 2026
Town & Country Bank Ravenna, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3 Month CD
$0
2.00% ▼ 0.11% below Nebraska avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.11%▼ 0.11% below avgNationally 2.12%
Details

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 19, 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% ▼ 0.21% below Nebraska avg
View
▼
Rate1.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.11%▼ 0.21% below avgNationally 2.12%
Details

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 19, 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% ▼ 0.31% below Nebraska avg
View
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.11%▼ 0.31% below avgNationally 2.12%
Details

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 19, 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% ▼ 0.46% below Nebraska avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▼ 0.46% below avgNationally 2.12%
Details

$500 required opening deposit; Penalty for early withdrawal; All rates are subject to change

Rate History
No change since Oct 14, 2026 · 1.65% APY
1.15%1.65%2.15%Oct 14, 2026: 1.65% APYOct 14, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55% ▼ 0.56% below Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▼ 0.56% below avgNationally 2.12%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 14, 2026: 1.55% APYOct 14, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50% ▼ 0.61% below Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▼ 0.61% below avgNationally 2.12%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 19, 2026
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
3 Month Certificate
$0
1.50% ▼ 0.61% below Nebraska avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.11%▼ 0.61% below avgNationally 2.12%
Details

Rate History
No change since Sep 11, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 11, 2026: 1.50% APYSep 11, 2026Oct 19, 2026
Cornerstone Bank York, NE
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
Certificate of Deposit - 3 Month NO PENALTY
$500
1.40% ▼ 0.71% below Nebraska avg
View
▼
Rate1.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▼ 0.71% below avgNationally 2.12%
Details

No Penalty feature (3 month CD only); Interest compounded quarterly; Substantial penalty for early withdrawal; Quoted rates good through 10/20/2026

Rate History
No change since Oct 14, 2026 · 1.40% APY
0.90%1.40%1.90%Oct 14, 2026: 1.40% APYOct 14, 2026Oct 19, 2026
SN Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
Certificate of Deposit - 3 Months
$0
1.25% ▼ 0.86% below Nebraska avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▼ 0.86% below avgNationally 2.12%
Details

Balance: $50,000.00 - $99,999.99; Penalty for early withdrawal applies

Rate History
No change since Oct 14, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 19, 2026
SN Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
IRA Certificate - 3 Months
$250
1.25% ▼ 0.86% below Nebraska avg
View
▼
Rate1.24%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.11%▼ 0.86% below avgNationally 2.12%
Details

Balance: $25,000 - $49,999.99

Rate History
No change since Oct 14, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 19, 2026
LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Share Certificate - 3 Months
$0
1.25% ▼ 0.86% below Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.11%▼ 0.86% below avgNationally 2.12%
Details

Deposit Rates section, Share Certificates table; rate printed with footnote marker ***

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 19, 2026

Reynolds 6 Month CD Rates

Nebraska 6 Month CD Average3.04% APYNational 2.79%▲ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 14, 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; Offer may expire without notice

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 19, 2026
  • Oct 14, 20264.20%▲ from 4.00%
  • Sep 29, 20264.00%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Certificate - Member Loyalty
$0
4.20% ▲ 1.16% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.04%▲ 1.16% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 19, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 19, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
6 Month CD
$0
4.14% ▲ 1.10% above Nebraska avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.04%▲ 1.10% above avgNationally 2.79%
Details

Annual Percentage Yield is current as of September 21, 2026; a penalty may be imposed for early withdrawal; certificate automatically renews to a fixed rate CD of the equivalent term at the current rate

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 19, 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 14, 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 19, 2026
  • Oct 14, 20264.10%▲ from 0.50%
  • Sep 24, 20260.50%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Certificate - Member Loyalty
$0
4.10% ▲ 1.06% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.04%▲ 1.06% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 19, 2026
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
6 Month Certificate Of Deposit
$250
4.07% ▲ 1.03% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average3.04%▲ 1.03% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 7, 2026: 4.07% APYOct 7, 2026Oct 19, 2026
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
6 Month Certificate of Deposit
$0
4.06% ▲ 1.02% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.04%▲ 1.02% above avgNationally 2.79%
Details

Penalty with early withdrawal

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 19, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
6 Month Certificate of Deposit (CD)
$0
4.06% ▲ 1.02% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average3.04%▲ 1.02% above avgNationally 2.79%
Details

Balance: >= $150,000

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91%
3.41%3.99%4.56%Sep 14, 2026: 3.91% APYSep 24, 2026: 4.06% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.06%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
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 14, 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 19, 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 14, 2026
Nebraska Average3.04%▲ 1.01% above avgNationally 2.79%
Details

Annual Percentage Yield (APY) calculated using Daily Balance; A penalty may be imposed for early withdrawal.

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 19, 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
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Business Term Share Certificate
$0
4.05% ▲ 1.01% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.04%▲ 1.01% above avgNationally 2.79%
Details

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

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Certificate
$0
4.05% ▲ 1.01% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.04%▲ 1.01% above avgNationally 2.79%
Details

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

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 19, 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 14, 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 5 times
3.54%4.04%4.54%Sep 30, 2026: 4.04% APYSep 30, 2026Oct 19, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
CDs - 6 Months
$0
4.04% ▲ 1.00% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.04%▲ 1.00% above avgNationally 2.79%
Details

Balance: => $100,000

Rate History
1 change since Sep 30, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
3.29%3.92%4.54%Sep 30, 2026: 3.79% APYOct 14, 2026: 4.04% APYSep 30, 2026Oct 19, 2026
  • Oct 14, 20264.04%▲ from 3.79%
  • Sep 30, 20263.79%first recorded
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 11, 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 19, 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 14, 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 7 times
3.51%4.01%4.51%Sep 20, 2026: 4.01% APYSep 20, 2026Oct 19, 2026
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 14, 2026
Nebraska Average3.04%▲ 0.96% above avgNationally 2.79%
Details

Balance: $1,000.00 - $24,999.99; Penalty for early withdrawal applies

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 19, 2026
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
6 MONTH CD Special
$500
4.00% ▲ 0.96% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average3.04%▲ 0.96% above avgNationally 2.79%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 19, 2026
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificates - 6 Month
$0
4.00% ▲ 0.96% above Nebraska avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average3.04%▲ 0.96% above avgNationally 2.79%
Details

Dividend Rate (APR) 3.929%; Annual Percentage Yield (APY) 4.00%

Rate History
No change since Sep 16, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APYSep 16, 2026Oct 19, 2026
Omaha Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Month Certificate Special
$2,500
4.00% ▲ 0.96% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average3.04%▲ 0.96% above avgNationally 2.79%
Details

Limited-time offer; minimum investment $2,500; certificate rates based on quarterly dividend; call or stop by to invest

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 19, 2026
Archer Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
6 Month Share & IRA Certificates
$500
4.00% ▲ 0.96% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.04%▲ 0.96% above avgNationally 2.79%
Details

Early withdrawal: 90 days dividend penalty (2 years or less); 180 days dividend penalty (over 2 years)

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 19, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
  • Oct 19, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
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 11, 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 19, 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 Deposit (CD)
$0
3.96% ▲ 0.92% above Nebraska avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average3.04%▲ 0.92% above avgNationally 2.79%
Details

Balance: $50,000 - $149,999.99

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80%
3.30%3.88%4.46%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.96% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20263.96%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Business Term Share Certificate
$0
3.95% ▲ 0.91% above Nebraska avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.04%▲ 0.91% above avgNationally 2.79%
Details

Balance: $1.00.00-99.999.99 (as printed); Period: Quarterly

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Certificate
$0
3.95% ▲ 0.91% above Nebraska avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.04%▲ 0.91% above avgNationally 2.79%
Details

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

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 19, 2026
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 14, 2026
Nebraska Average3.04%▲ 0.86% above avgNationally 2.79%
Details

Minimum deposit to open and earn APY; interest compounded quarterly unless otherwise stated; rate and APY fixed for the term; substantial penalty for early withdrawal; rates effective as of 10/05/2026

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 19, 2026
  • Oct 7, 20263.90%▲ from 3.70%
  • Sep 19, 20263.70%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 15, 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 19, 2026
  • Oct 4, 20263.90%▲ from 3.85%
  • Sep 20, 20263.85%first recorded
Nebraska Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6 Month Share Certificate
$5,000
3.90% ▲ 0.86% above Nebraska avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average3.04%▲ 0.86% above avgNationally 2.79%
Details

Special - Limited Time; Limit One Per Member; Credited Monthly

Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 19, 2026
The Bank of Steinauer
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit 6 Month
$500
3.86% ▲ 0.82% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.04%▲ 0.82% above avgNationally 2.79%
Details

Rate History
No change since Oct 14, 2026 · 3.86% APY
3.36%3.86%4.36%Oct 14, 2026: 3.86% APYOct 14, 2026Oct 19, 2026
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 15, 2026
Nebraska Average3.04%▲ 0.82% above avgNationally 2.79%
Details

Rates fixed for the specified term; early withdrawal penalty applies; compounds monthly

Rate History
No change since Sep 18, 2026 · 3.86% APY · checked 7 times
3.36%3.86%4.36%Sep 18, 2026: 3.86% APYSep 18, 2026Oct 19, 2026
First Lincoln Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.25%
6 Month Share Certificates
$0
3.86% ▲ 0.82% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average3.04%▲ 0.82% above avgNationally 2.79%
Details

Rates effective as of August 13, 2025; Share Certificate rates are fixed for the specified term; penalty for early withdrawal; compounds monthly

Rate History
No change since Sep 14, 2026 · 3.86% APY · checked 7 times
3.36%3.86%4.36%Sep 14, 2026: 3.86% APYSep 14, 2026Oct 19, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
6 Month Certificate of Deposit (CD)
$0
3.85% ▲ 0.81% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average3.04%▲ 0.81% above avgNationally 2.79%
Details

Balance: $500 - $49,999.99

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 14, 2026: 3.70% APYSep 24, 2026: 3.85% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20263.85%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
6-Month CD
$500
3.80% ▲ 0.76% above Nebraska avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.04%▲ 0.76% above avgNationally 2.79%
Details

Balance: $10,000.00 and up

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 19, 2026
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 14, 2026
Nebraska Average3.04%▲ 0.76% above avgNationally 2.79%
Details

Open Online; Rate for balances below $250,000.00; add 0.25% for balances at or over $250,000.00

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 19, 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 11, 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 19, 2026
  • Oct 3, 20263.80%▲ from 3.65%
  • Sep 11, 20263.65%first recorded
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Certificates of Deposit - 6 Month
$1,000
3.80% ▲ 0.76% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.04%▲ 0.76% above avgNationally 2.79%
Details

Compounds: Quarterly; Substantial penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 19, 2026
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 14, 2026
Nebraska Average3.04%▲ 0.76% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 19, 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 15, 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 7 times
3.30%3.80%4.30%Sep 12, 2026: 3.80% APYSep 12, 2026Oct 19, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
6 Month Certificates of Deposit (CDs)
$500
3.79% ▲ 0.75% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 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 3 times
3.29%3.79%4.29%Oct 6, 2026: 3.79% APYOct 6, 2026Oct 19, 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 14, 2026
Nebraska Average3.04%▲ 0.75% above avgNationally 2.79%
Details

Balance: < $100,000

Rate History
No change since Sep 30, 2026 · 3.79% APY · checked 5 times
3.29%3.79%4.29%Sep 30, 2026: 3.79% APYSep 30, 2026Oct 19, 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 14, 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 3 times
3.29%3.79%4.29%Oct 6, 2026: 3.79% APYOct 6, 2026Oct 19, 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 14, 2026
Nebraska Average3.04%▲ 0.75% above avgNationally 2.79%
Details

Penalty for early withdrawal.

Rate History
No change since Sep 30, 2026 · 3.79% APY · checked 5 times
3.29%3.79%4.29%Sep 30, 2026: 3.79% APYSep 30, 2026Oct 19, 2026
LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Share Certificate - 6 Months
$0
3.76% ▲ 0.72% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average3.04%▲ 0.72% above avgNationally 2.79%
Details

Deposit Rates section, Share Certificates table; rate printed with footnote marker ***

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 8 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 19, 2026
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
6-Month Term CD
$0
3.75% ▲ 0.71% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.04%▲ 0.71% above avgNationally 2.79%
Details

Featured rate; APY* = Annual Percentage Yield; Rates and APYs accurate as of September 22, 2026

Rate History
1 change since Sep 7, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 7, 2026: 3.60% APYSep 24, 2026: 3.75% APYSep 7, 2026Oct 19, 2026
  • Sep 24, 20263.75%▲ from 3.60%
  • Sep 7, 20263.60%first recorded
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 6 Month
$500
3.75% ▲ 0.71% above Nebraska avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.04%▲ 0.71% above avgNationally 2.79%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 19, 2026
SN Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
IRA Certificate - 6 Months
$250
3.75% ▲ 0.71% above Nebraska avg
View
▼
Rate3.68%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.04%▲ 0.71% above avgNationally 2.79%
Details

Balance: $250 - $9,999.99

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 19, 2026
First Nebraska Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
6-mo. Term Share Certificates
$0
3.75% ▲ 0.71% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.04%▲ 0.71% above avgNationally 2.79%
Details

Rate History
1 change since Oct 1, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Oct 1, 2026: 3.60% APYOct 19, 2026: 3.75% APYOct 1, 2026Oct 19, 2026
  • Oct 19, 20263.75%▲ from 3.60%
  • Oct 1, 20263.60%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term CD
$1,000
3.75% ▲ 0.71% above Nebraska avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.04%▲ 0.71% above avgNationally 2.79%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 19, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month
$1,000
3.75% ▲ 0.71% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.04%▲ 0.71% above avgNationally 2.79%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 19, 2026
Union Pacific Streamliner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
6-Month Share Certificate - Special
$0
3.65% ▲ 0.61% above Nebraska avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average3.04%▲ 0.61% above avgNationally 2.79%
Details

Early closure: 90-day interest penalty

Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Oct 19, 2026

Reynolds 12 Month CD Rates

Nebraska 12 Month CD Average3.08% 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% ▲ 1.27% above Nebraska avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 1.27% above avgNationally 3.01%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 19, 2026
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
12 Month CD
$500
4.28% ▲ 1.20% above Nebraska avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 1.20% above avgNationally 3.01%
Details

Substantial penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 4.28% APY · checked 7 times
3.78%4.28%4.78%Sep 20, 2026: 4.28% APYSep 20, 2026Oct 19, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12 Month Certificate of Deposit
$1,000
4.25% ▲ 1.17% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 1.17% 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 19, 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% ▲ 1.17% above Nebraska avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 1.17% above avgNationally 3.01%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal; Offer may expire without notice

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 19, 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% ▲ 1.17% above Nebraska avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 1.17% above avgNationally 3.01%
Details

Annual Percentage Yield (APY) calculated using Daily Balance; A penalty may be imposed for early withdrawal.

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 19, 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
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
12 Month Certificate Of Deposit
$250
4.22% ▲ 1.14% above Nebraska avg
View
▼
Rate4.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average3.08%▲ 1.14% above avgNationally 3.01%
Details

Rate History
No change since Oct 7, 2026 · 4.22% APY · checked 2 times
3.72%4.22%4.72%Oct 7, 2026: 4.22% APYOct 7, 2026Oct 19, 2026
Archer Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
12 Month Share & IRA Certificates
$500
4.20% ▲ 1.12% above Nebraska avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.08%▲ 1.12% above avgNationally 3.01%
Details

Early withdrawal: 90 days dividend penalty (2 years or less); 180 days dividend penalty (over 2 years)

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYOct 19, 2026: 4.20% APYSep 14, 2026Oct 19, 2026
  • Oct 19, 20264.20%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month CD
$0
4.19% ▲ 1.11% above Nebraska avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average3.08%▲ 1.11% 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 19, 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%
12 Month Certificate of Deposit
$0
4.16% ▲ 1.08% above Nebraska avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 1.08% above avgNationally 3.01%
Details

Penalty with early withdrawal

Rate History
No change since Sep 19, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Sep 19, 2026: 4.16% APYSep 19, 2026Oct 19, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
12 Month Certificate of Deposit (CD)
$0
4.16% ▲ 1.08% above Nebraska avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average3.08%▲ 1.08% above avgNationally 3.01%
Details

Balance: >= $150,000

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.16% ▲ 0.41 pts · high 4.16% / low 3.75%
3.25%3.96%4.66%Sep 14, 2026: 3.75% APYSep 24, 2026: 4.16% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.16%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
12 Month CD
$1,000
4.15% ▲ 1.07% above Nebraska avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 1.07% above avgNationally 3.01%
Details

Minimum deposit to open and earn APY; interest compounded quarterly unless otherwise stated; rate and APY fixed for the term; substantial penalty for early withdrawal; rates effective as of 10/05/2026

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 19, 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% ▲ 1.07% above Nebraska avg
View
▼
Rate4.09%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 1.07% 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 19, 2026
  • Oct 14, 20264.15%▲ from 0.75%
  • Sep 24, 20260.75%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 12 Months - Member Loyalty
$0
4.15% ▲ 1.07% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.08%▲ 1.07% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 19, 2026
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month CD
$0
4.14% ▲ 1.06% above Nebraska avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average3.08%▲ 1.06% 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 19, 2026
  • Oct 3, 20264.14%▲ from 3.94%
  • Sep 11, 20263.94%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10% ▲ 1.02% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 1.02% above avgNationally 3.01%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 19, 2026
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificates - 12 Month
$0
4.10% ▲ 1.02% above Nebraska avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average3.08%▲ 1.02% above avgNationally 3.01%
Details

Dividend Rate (APR) 4.025%; Annual Percentage Yield (APY) 4.10%

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 19, 2026
  • Oct 8, 20264.10%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month Certificate of Deposit
$1,000
4.06% ▲ 0.98% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.98% above avgNationally 3.01%
Details

Open Online; Rate for balances below $250,000.00; add 0.25% for balances at or over $250,000.00

Rate History
No change since Oct 14, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 14, 2026: 4.06% APYOct 14, 2026Oct 19, 2026
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Certificate of Deposit - 12 Month
$1,000
4.06% ▲ 0.98% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.98% above avgNationally 3.01%
Details

Rate History
No change since Oct 14, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 14, 2026: 4.06% APYOct 14, 2026Oct 19, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
12 Month Certificate of Deposit (CD)
$0
4.06% ▲ 0.98% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average3.08%▲ 0.98% above avgNationally 3.01%
Details

Balance: $50,000 - $149,999.99

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.06% ▲ 0.41 pts · high 4.06% / low 3.65%
3.15%3.85%4.56%Sep 14, 2026: 3.65% APYSep 24, 2026: 4.06% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.06%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
12 Mo CD
$5,000
4.06% ▲ 0.98% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.98% above avgNationally 3.01%
Details

$5,000+; Minimum balance $5,000+

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 19, 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%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05% ▲ 0.97% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.97% above avgNationally 3.01%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 19, 2026
Omaha Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
12 Month Certificate Special
$2,500
4.05% ▲ 0.97% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average3.08%▲ 0.97% above avgNationally 3.01%
Details

Limited-time offer; minimum investment $2,500; certificate rates based on quarterly dividend; call or stop by to invest

Rate History
No change since Oct 5, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 5, 2026: 4.05% APYOct 5, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 12 Months - Member Loyalty
$0
4.05% ▲ 0.97% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.08%▲ 0.97% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 19, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 19, 2026
FNB of Gordon
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Certificate of Deposit - 12 Month
$1,000
4.03% ▲ 0.95% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.95% above avgNationally 3.01%
Details

Minimum deposit $1,000.00; interest compounded daily

Rate History
No change since Oct 14, 2026 · 4.03% APY
3.53%4.03%4.53%Oct 14, 2026: 4.03% APYOct 14, 2026Oct 19, 2026
The Bank of Steinauer
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit 12 Month
$500
4.01% ▲ 0.93% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.93% above avgNationally 3.01%
Details

Rate History
No change since Oct 14, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 14, 2026: 4.01% APYOct 14, 2026Oct 19, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
12 Mo CD
$1,000
4.01% ▲ 0.93% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.93% 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 19, 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%
12 Month IRA Share Certificate
$500
4.01% ▲ 0.93% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.08%▲ 0.93% above avgNationally 3.01%
Details

Traditional or Roth; Early withdrawal penalty may apply

Rate History
No change since Oct 9, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 9, 2026: 4.01% APYOct 9, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.92% above Nebraska avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.92% above avgNationally 3.01%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 19, 2026
I3 Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Certificate of Deposit - 12 Month
$500
4.00% ▲ 0.92% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.92% above avgNationally 3.01%
Details

Compound Frequency: Quarterly

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 19, 2026
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12 Month Certificate
$0
4.00% ▲ 0.92% above Nebraska avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average3.08%▲ 0.92% 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 19, 2026
  • Oct 4, 20264.00%▲ from 3.90%
  • Sep 20, 20263.90%first recorded
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
12 Months Certificate
$1,000
4.00% ▲ 0.92% above Nebraska avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average3.08%▲ 0.92% above avgNationally 3.01%
Details

Rate History
No change since Oct 15, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 19, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 12 Months Certificate
$1,000
4.00% ▲ 0.92% above Nebraska avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average3.08%▲ 0.92% above avgNationally 3.01%
Details

Rate History
No change since Oct 15, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
12 Month Business Term Share Certificate
$0
4.00% ▲ 0.92% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.08%▲ 0.92% above avgNationally 3.01%
Details

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

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 12 Months
$0
4.00% ▲ 0.92% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.08%▲ 0.92% above avgNationally 3.01%
Details

Balance: $100,000.00 & greater; Quarterly

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 19, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term CD
$1,000
4.00% ▲ 0.92% above Nebraska avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.08%▲ 0.92% above avgNationally 3.01%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 19, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year
$1,000
4.00% ▲ 0.92% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.08%▲ 0.92% above avgNationally 3.01%
Details

Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 19, 2026
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month CD
$0
3.99% ▲ 0.91% above Nebraska avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average3.08%▲ 0.91% above avgNationally 3.01%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 11, 2026 · 3.78% → 3.99% ▲ 0.21 pts · high 3.99% / low 3.78%
3.28%3.89%4.49%Sep 11, 2026: 3.78% APYOct 3, 2026: 3.99% APYSep 11, 2026Oct 19, 2026
  • Oct 3, 20263.99%▲ from 3.78%
  • Sep 11, 20263.78%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
12 Month Certificate of Deposit (CD)
$0
3.96% ▲ 0.88% above Nebraska avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average3.08%▲ 0.88% above avgNationally 3.01%
Details

Balance: $500 - $49,999.99

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.96% ▲ 0.41 pts · high 3.96% / low 3.55%
3.05%3.76%4.46%Sep 14, 2026: 3.55% APYSep 24, 2026: 3.96% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20263.96%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
12 Month CD
$0
3.95% ▲ 0.87% above Nebraska avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.87% above avgNationally 3.01%
Details

Annual Percentage Yield is current as of September 21, 2026; a penalty may be imposed for early withdrawal; certificate automatically renews to a fixed rate CD of the equivalent term at the current rate

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
12 Month Baby Bundle Certificates
$25
3.90% ▲ 0.82% above Nebraska avg
View
▼
Rate3.83%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.08%▲ 0.82% above avgNationally 3.01%
Details

Balance: $25 & greater; Period: Monthly

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
12 Month Business Term Share Certificate
$0
3.90% ▲ 0.82% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.08%▲ 0.82% above avgNationally 3.01%
Details

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

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 12 Months
$0
3.90% ▲ 0.82% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average3.08%▲ 0.82% above avgNationally 3.01%
Details

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

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 19, 2026
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 12 Month
$500
3.85% ▲ 0.77% above Nebraska avg
View
▼
Rate3.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.77% above avgNationally 3.01%
Details

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 19, 2026
Lincoln Public School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
12 Month CD
$0
3.81% ▲ 0.73% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average3.08%▲ 0.73% above avgNationally 3.01%
Details

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 19, 2026
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
12 Month Certificate of Deposit
$1,000
3.80% ▲ 0.72% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.72% above avgNationally 3.01%
Details

Rate History
1 change since Sep 30, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 30, 2026: 3.75% APYOct 1, 2026: 3.80% APYSep 30, 2026Oct 19, 2026
  • Oct 1, 20263.80%▲ from 3.75%
  • Sep 30, 20263.75%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Business Certificates of Deposit - 12 Month
$1,000
3.80% ▲ 0.72% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.72% above avgNationally 3.01%
Details

Rate History
1 change since Sep 30, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 30, 2026: 3.75% APYOct 1, 2026: 3.80% APYSep 30, 2026Oct 19, 2026
  • Oct 1, 20263.80%▲ from 3.75%
  • Sep 30, 20263.75%first recorded
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
12 Month Certificate
$0
3.80% ▲ 0.72% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average3.08%▲ 0.72% above avgNationally 3.01%
Details

Compounding: Quarterly

Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 12, 2026: 3.80% APYSep 12, 2026Oct 19, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
12 Month Certificates of Deposit (CDs)
$500
3.75% ▲ 0.67% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.67% above avgNationally 3.01%
Details

Penalty for early withdrawal.

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 19, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 12 Months
$500
3.75% ▲ 0.67% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.67% above avgNationally 3.01%
Details

Penalty for early withdrawal

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 19, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
IRA 12 MONTH CD
$100
3.75% ▲ 0.67% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average3.08%▲ 0.67% above avgNationally 3.01%
Details

Penalty for early withdrawal.

Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 30, 2026: 3.75% APYSep 30, 2026Oct 19, 2026

Reynolds 18 Month CD Rates

Nebraska 18 Month CD Average2.88% APYNational 2.88%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
18 Month Certificate of Deposit
$1,000
4.35% ▲ 1.47% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 1.47% above avgNationally 2.88%
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 19, 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%
18 Month Certificate of Deposit
$500
4.35% ▲ 1.47% above Nebraska avg
View
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 1.47% above avgNationally 2.88%
Details

Special; Penalties apply for early withdrawal; No brokered funds

Rate History
No change since Oct 14, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 19, 2026
Archer Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
18 Month Share & IRA Certificates
$500
4.25% ▲ 1.37% above Nebraska avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.88%▲ 1.37% above avgNationally 2.88%
Details

Early withdrawal: 90 days dividend penalty (2 years or less); 180 days dividend penalty (over 2 years)

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYOct 19, 2026: 4.25% APYSep 14, 2026Oct 19, 2026
  • Oct 19, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Town & Country Bank Ravenna, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
18 Month CD Special
$2,500
4.20% ▲ 1.32% above Nebraska avg
View
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.88%▲ 1.32% above avgNationally 2.88%
Details

Rate History
No change since Oct 11, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 11, 2026: 4.20% APYOct 11, 2026Oct 19, 2026
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificates - 18 Month
$0
4.20% ▲ 1.32% above Nebraska avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.88%▲ 1.32% above avgNationally 2.88%
Details

Dividend Rate (APR) 4.121%; Annual Percentage Yield (APY) 4.20%

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 19, 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%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 1.27% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 1.27% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10% ▲ 1.22% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 1.22% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 19, 2026
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
18 Month CD
$1,000
4.10% ▲ 1.22% above Nebraska avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 1.22% above avgNationally 2.88%
Details

Minimum deposit to open and earn APY; interest compounded quarterly unless otherwise stated; rate and APY fixed for the term; substantial penalty for early withdrawal; rates effective as of 10/05/2026

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 19, 2026
  • Oct 7, 20264.10%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
Omaha Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Month Certificate Special
$2,500
4.10% ▲ 1.22% above Nebraska avg
View
▼
Rate4.04%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.88%▲ 1.22% above avgNationally 2.88%
Details

Limited-time offer; minimum investment $2,500; certificate rates based on quarterly dividend; call or stop by to invest

Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 5, 2026: 4.10% APYOct 5, 2026Oct 19, 2026
First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Certificate of Deposit
$500
4.05% ▲ 1.17% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 1.17% above avgNationally 2.88%
Details

Minimum $500

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 19, 2026
First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
CD - 18 Months
$500
4.05% ▲ 1.17% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 1.17% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 19, 2026
Nebraska State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 Month IRA Share Certificate
$500
4.01% ▲ 1.13% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.88%▲ 1.13% above avgNationally 2.88%
Details

Traditional or Roth; Early withdrawal penalty may apply

Rate History
No change since Oct 9, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 9, 2026: 4.01% APYOct 9, 2026Oct 19, 2026
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Certificates of Deposit - 18 Month
$10,000
4.00% ▲ 1.12% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 1.12% above avgNationally 2.88%
Details

Compounds: Quarterly; Substantial penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 1.66% → 4.00% ▲ 2.34 pts · high 4.00% / low 1.66%
0.00%3.17%6.34%Sep 14, 2026: 1.66% APYSep 20, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
  • Sep 20, 20264.00%▲ from 1.66%
  • Sep 14, 20261.66%first recorded
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
18 Month Certificate
$0
4.00% ▲ 1.12% above Nebraska avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.88%▲ 1.12% above avgNationally 2.88%
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 19, 2026
  • Oct 4, 20264.00%▲ from 3.90%
  • Sep 20, 20263.90%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
18 Month Certificate of Deposit
$1,000
3.91% ▲ 1.03% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 1.03% above avgNationally 2.88%
Details

Rate History
1 change since Sep 30, 2026 · 3.84% → 3.91% ▲ 0.07 pts · high 3.91% / low 3.84%
3.34%3.88%4.41%Sep 30, 2026: 3.84% APYOct 1, 2026: 3.91% APYSep 30, 2026Oct 19, 2026
  • Oct 1, 20263.91%▲ from 3.84%
  • Sep 30, 20263.84%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Business Certificates of Deposit - 18 Month
$1,000
3.91% ▲ 1.03% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 1.03% above avgNationally 2.88%
Details

Rate History
1 change since Sep 30, 2026 · 3.84% → 3.91% ▲ 0.07 pts · high 3.91% / low 3.84%
3.34%3.88%4.41%Sep 30, 2026: 3.84% APYOct 1, 2026: 3.91% APYSep 30, 2026Oct 19, 2026
  • Oct 1, 20263.91%▲ from 3.84%
  • Sep 30, 20263.84%first recorded
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 18 Month
$500
3.90% ▲ 1.02% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 1.02% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 19, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 18 Months
$500
3.80% ▲ 0.92% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 0.92% above avgNationally 2.88%
Details

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 8, 2026: 3.80% APYSep 14, 2026Oct 19, 2026
  • Oct 8, 20263.80%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Time Certificates of Deposit - 18 Months
$500
3.80% ▲ 0.92% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 0.92% above avgNationally 2.88%
Details

Time Certificates 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 19, 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%
18 Month Certificates of Deposit (CDs)
$500
3.75% ▲ 0.87% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 0.87% above avgNationally 2.88%
Details

Penalty for early withdrawal.

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 19, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 18 Months
$500
3.75% ▲ 0.87% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 0.87% above avgNationally 2.88%
Details

Penalty for early withdrawal

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 19, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
IRA 18 MONTH CD
$100
3.75% ▲ 0.87% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 0.87% above avgNationally 2.88%
Details

Penalty for early withdrawal.

Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 30, 2026: 3.75% APYSep 30, 2026Oct 19, 2026
FNB of Gordon
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Certificate of Deposit - 18 Month
$1,000
3.72% ▲ 0.84% above Nebraska avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 0.84% above avgNationally 2.88%
Details

Minimum deposit $1,000.00; interest compounded daily

Rate History
No change since Oct 14, 2026 · 3.72% APY
3.22%3.72%4.22%Oct 14, 2026: 3.72% APYOct 14, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.82% above Nebraska avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 0.82% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 19, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
18 Mo CD
$1,000
3.65% ▲ 0.77% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 0.77% above avgNationally 2.88%
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 19, 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
$0
3.60% ▲ 0.72% above Nebraska avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 0.72% above avgNationally 2.88%
Details

Annual Percentage Yield is current as of September 21, 2026; a penalty may be imposed for early withdrawal; certificate automatically renews to a fixed rate CD of the equivalent term at the current rate

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
Union Pacific Streamliner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
18-Month Share Certificate - Special
$0
3.60% ▲ 0.72% above Nebraska avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.88%▲ 0.72% above avgNationally 2.88%
Details

Early closure: 180-day interest penalty

Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 25, 2026: 3.60% APYSep 25, 2026Oct 19, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD's - 18 month
$50,000
3.60% ▲ 0.72% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.88%▲ 0.72% above avgNationally 2.88%
Details

Rate History
No change since Oct 15, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 15, 2026: 3.60% APYOct 15, 2026Oct 19, 2026
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Certificate of Deposit
$1,000
3.55% ▲ 0.67% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 0.67% above avgNationally 2.88%
Details

Visit a branch; Rate for balances below $250,000.00; add 0.25% for balances at or over $250,000.00

Rate History
No change since Oct 14, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 19, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD's - 18 month
$10,000
3.55% ▲ 0.67% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.88%▲ 0.67% above avgNationally 2.88%
Details

Rate History
No change since Oct 15, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 19, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
18 Mo IRA
$1,000
3.50% ▲ 0.62% above Nebraska avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 0.62% above avgNationally 2.88%
Details

Retirement Account; Minimum balance to obtain APY is a daily balance

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 18 Months - Member Loyalty
$0
3.50% ▲ 0.62% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.88%▲ 0.62% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 19, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 19, 2026
Great Plains State Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.53%
18 Month CD
$0
3.45% ▲ 0.57% above Nebraska avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 19, 2026
Union Pacific Streamliner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
18-Month Share Certificate
$0
3.45% ▲ 0.57% above Nebraska avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.88%▲ 0.57% above avgNationally 2.88%
Details

Early closure: 180-day interest penalty

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 19, 2026
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Certificate of Deposit - 18 Month
$1,000
3.44% ▲ 0.56% above Nebraska avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.44% APY
2.94%3.44%3.94%Oct 14, 2026: 3.44% APYOct 14, 2026Oct 19, 2026
TFB Tecumseh Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 Month Certificate
$0
3.44% ▲ 0.56% above Nebraska avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.88%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.44% APY · checked 8 times
2.94%3.44%3.94%Sep 7, 2026: 3.44% APYSep 7, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 18 Months - Member Loyalty
$0
3.40% ▲ 0.52% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.88%▲ 0.52% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 19, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 19, 2026: 3.40% APYOct 19, 2026Oct 19, 2026
Union Pacific Streamliner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
18-Month Share Certificate
$0
3.35% ▲ 0.47% above Nebraska avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.88%▲ 0.47% above avgNationally 2.88%
Details

Early closure: 180-day interest penalty

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Month Business Term Share Certificate
$0
3.35% ▲ 0.47% above Nebraska avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.88%▲ 0.47% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 18 Months
$0
3.35% ▲ 0.47% above Nebraska avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.88%▲ 0.47% above avgNationally 2.88%
Details

Balance: $100,000.00 & greater; Quarterly

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 19, 2026
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 Month Certificate
$0
3.30% ▲ 0.42% above Nebraska avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.88%▲ 0.42% above avgNationally 2.88%
Details

Rate History
1 change since Sep 11, 2026 · 2.75% → 3.30% ▲ 0.55 pts · high 3.30% / low 2.75%
2.20%3.03%3.85%Sep 11, 2026: 2.75% APYOct 3, 2026: 3.30% APYSep 11, 2026Oct 19, 2026
  • Oct 3, 20263.30%▲ from 2.75%
  • Sep 11, 20262.75%first recorded
LincOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Share Certificate - 18 Months
$0
3.30% ▲ 0.42% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.88%▲ 0.42% above avgNationally 2.88%
Details

Deposit Rates section, Share Certificates table; rate printed with footnote marker ***

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 19, 2026
First Lincoln Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.25%
18 Month IRA Share Certificate
$1,000
3.30% ▲ 0.42% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.88%▲ 0.42% above avgNationally 2.88%
Details

Rates fixed for the specified term; early withdrawal penalty applies; compounds monthly

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 19, 2026
First Lincoln Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.25%
18 Month Share Certificates
$0
3.30% ▲ 0.42% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.88%▲ 0.42% above avgNationally 2.88%
Details

Rates effective as of August 13, 2025; Share Certificate rates are fixed for the specified term; penalty for early withdrawal; compounds monthly

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 19, 2026
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
18 Month Certificate of Deposit
$0
3.29% ▲ 0.41% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.88%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 24, 2026: 3.29% APYSep 24, 2026Oct 19, 2026
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
18 Month IRA Certificate
$0
3.29% ▲ 0.41% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.88%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 7, 2026: 3.29% APYOct 7, 2026Oct 19, 2026
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
18 Month Certificate
$0
3.29% ▲ 0.41% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.88%▲ 0.41% above avgNationally 2.88%
Details

Compounding: Quarterly

Rate History
No change since Sep 12, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 12, 2026: 3.29% APYSep 12, 2026Oct 19, 2026
North Platte Union Pacific Employee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18 Month Share Certificate
$0
3.29% ▲ 0.41% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.88%▲ 0.41% above avgNationally 2.88%
Details

Share Certificate; $500.00 Minimum

Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Month Business Term Share Certificate
$0
3.25% ▲ 0.37% above Nebraska avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.88%▲ 0.37% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 18 Months
$0
3.25% ▲ 0.37% above Nebraska avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.88%▲ 0.37% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 19, 2026

Reynolds 24 Month CD Rates

Nebraska 24 Month CD Average2.96% APYNational 2.90%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
24 Month CD
$500
4.45% ▲ 1.49% above Nebraska avg
View
▼
Rate4.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.49% above avgNationally 2.90%
Details

Substantial penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 4.45% APY · checked 7 times
3.95%4.45%4.95%Sep 20, 2026: 4.45% APYSep 20, 2026Oct 19, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
24 Month Certificate of Deposit
$1,000
4.40% ▲ 1.44% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.44% above avgNationally 2.90%
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 19, 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%
Certificates of Deposit - 24 Months Special
$10,000
4.35% ▲ 1.39% above Nebraska avg
View
▼
Rate4.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.39% above avgNationally 2.90%
Details

Compounds: Quarterly; $10,000.00 minimum deposit; Penalty for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 19, 2026
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificates - 24 Month
$0
4.35% ▲ 1.39% above Nebraska avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.96%▲ 1.39% above avgNationally 2.90%
Details

Dividend Rate (APR) 4.266%; Annual Percentage Yield (APY) 4.35%

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 19, 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
$0
4.33% ▲ 1.37% above Nebraska avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.96%▲ 1.37% above avgNationally 2.90%
Details

Balance: $75,000.00 and up

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 19, 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 Certificates
$500
4.30% ▲ 1.34% above Nebraska avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.96%▲ 1.34% above avgNationally 2.90%
Details

Early withdrawal: 90 days dividend penalty (2 years or less); 180 days dividend penalty (over 2 years)

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 14, 2026: 3.95% APYOct 19, 2026: 4.30% APYSep 14, 2026Oct 19, 2026
  • Oct 19, 20264.30%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
24 Month Certificate of Deposit
$0
4.27% ▲ 1.31% above Nebraska avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.31% above avgNationally 2.90%
Details

Penalty with early withdrawal

Rate History
No change since Sep 19, 2026 · 4.27% APY · checked 3 times
3.77%4.27%4.77%Sep 19, 2026: 4.27% APYSep 19, 2026Oct 19, 2026
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Certificate of Deposit - 24 Month
$1,000
4.27% ▲ 1.31% above Nebraska avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.31% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 14, 2026: 4.27% APYOct 14, 2026Oct 19, 2026
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
24 Month CD
$0
4.27% ▲ 1.31% above Nebraska avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.96%▲ 1.31% above avgNationally 2.90%
Details

Balance: $50,000.00 - $74,999.99

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 19, 2026
  • Oct 3, 20264.27%▲ from 4.16%
  • Sep 11, 20264.16%first recorded
Cattle Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
24 Month Certificate of Deposit
$500
4.25% ▲ 1.29% above Nebraska avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.29% above avgNationally 2.90%
Details

Special; Penalties apply for early withdrawal; No brokered funds

Rate History
No change since Oct 14, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 19, 2026
Enterprise Bank Omaha, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
CD Specials - 24 Months
$10,000
4.25% ▲ 1.29% above Nebraska avg
View
▼
Rate4.18%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.29% above avgNationally 2.90%
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 19, 2026
  • Oct 14, 20264.25%▲ from 1.25%
  • Sep 24, 20261.25%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
24 Month Certificate of Deposit (CD)
$0
4.22% ▲ 1.26% above Nebraska avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.96%▲ 1.26% above avgNationally 2.90%
Details

Balance: >= $150,000

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.22% ▲ 0.57 pts · high 4.22% / low 3.65%
3.08%3.93%4.79%Sep 14, 2026: 3.65% APYSep 24, 2026: 4.22% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.22%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
24 Month CD
$0
4.12% ▲ 1.16% above Nebraska avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.96%▲ 1.16% above avgNationally 2.90%
Details

Balance: $25,000.00 - $49,999.99

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 19, 2026
  • Oct 3, 20264.12%▲ from 4.01%
  • Sep 11, 20264.01%first recorded
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
24 Month CD Special
$2,500
4.10% ▲ 1.14% above Nebraska avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.14% above avgNationally 2.90%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal; Offer may expire without notice

Rate History
No change since Sep 29, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 29, 2026: 4.10% APYSep 29, 2026Oct 19, 2026
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Flex CD Account - 24 Months
$0
4.06% ▲ 1.10% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.10% above avgNationally 2.90%
Details

Account Features: $1,000 minimum deposit; 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 10/14/2026

Rate History
1 change since Sep 8, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29%
2.52%3.68%4.83%Sep 8, 2026: 3.29% APYOct 2, 2026: 4.06% APYSep 8, 2026Oct 19, 2026
  • Oct 2, 20264.06%▲ from 3.29%
  • Sep 8, 20263.29%first recorded
Jones Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
24 Month Certificate of Deposit - Special
$0
4.05% ▲ 1.09% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.09% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 19, 2026
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
24 Month CD
$1,000
4.05% ▲ 1.09% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.09% above avgNationally 2.90%
Details

Minimum deposit to open and earn APY; interest compounded quarterly unless otherwise stated; rate and APY fixed for the term; substantial penalty for early withdrawal; rates effective as of 10/05/2026

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 19, 2026
  • Oct 7, 20264.05%▲ from 3.25%
  • Sep 19, 20263.25%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
24 Month Certificate of Deposit
$1,000
4.03% ▲ 1.07% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.07% above avgNationally 2.90%
Details

Rate History
1 change since Sep 30, 2026 · 3.59% → 4.03% ▲ 0.44 pts · high 4.03% / low 3.59%
3.09%3.81%4.53%Sep 30, 2026: 3.59% APYOct 1, 2026: 4.03% APYSep 30, 2026Oct 19, 2026
  • Oct 1, 20264.03%▲ from 3.59%
  • Sep 30, 20263.59%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Business Certificates of Deposit - 24 Month
$1,000
4.03% ▲ 1.07% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.07% above avgNationally 2.90%
Details

Rate History
1 change since Sep 30, 2026 · 3.59% → 4.03% ▲ 0.44 pts · high 4.03% / low 3.59%
3.09%3.81%4.53%Sep 30, 2026: 3.59% APYOct 1, 2026: 4.03% APYSep 30, 2026Oct 19, 2026
  • Oct 1, 20264.03%▲ from 3.59%
  • Sep 30, 20263.59%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
24 Month Certificate of Deposit (CD)
$0
4.01% ▲ 1.05% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.96%▲ 1.05% above avgNationally 2.90%
Details

Balance: $500 - $49,999.99

Rate History
1 change since Sep 14, 2026 · 3.44% → 4.01% ▲ 0.57 pts · high 4.01% / low 3.44%
2.87%3.73%4.58%Sep 14, 2026: 3.44% APYSep 24, 2026: 4.01% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.01%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Nebraska State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
24 Month IRA Share Certificate
$500
4.01% ▲ 1.05% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.96%▲ 1.05% above avgNationally 2.90%
Details

Traditional or Roth; Early withdrawal penalty may apply

Rate History
No change since Oct 9, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 9, 2026: 4.01% APYOct 9, 2026Oct 19, 2026
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
24-Month Term CD
$0
4.00% ▲ 1.04% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.04% above avgNationally 2.90%
Details

Featured rate; APY* = Annual Percentage Yield; Rates and APYs accurate as of September 22, 2026

Rate History
1 change since Sep 7, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 7, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 7, 2026Oct 19, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 7, 20263.80%first recorded
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 24 Month
$500
4.00% ▲ 1.04% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.04% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 19, 2026
Jones Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
24 Month Variable Rate IRA
$0
4.00% ▲ 1.04% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 1.04% above avgNationally 2.90%
Details

Variable Rate IRA; Certificates of Deposit and Individual Retirement Accounts have a $500 minimum balance.

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 19, 2026
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
24 Month Certificate
$0
4.00% ▲ 1.04% above Nebraska avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.96%▲ 1.04% above avgNationally 2.90%
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 19, 2026
  • Oct 4, 20264.00%▲ from 3.85%
  • Sep 20, 20263.85%first recorded
First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
24 Month Certificate of Deposit
$500
3.95% ▲ 0.99% above Nebraska avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.99% above avgNationally 2.90%
Details

Minimum $500

Rate History
No change since Oct 14, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 14, 2026: 3.95% APYOct 14, 2026Oct 19, 2026
First State Bank Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
CD - 24 Months
$500
3.95% ▲ 0.99% above Nebraska avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.99% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 14, 2026: 3.95% APYOct 14, 2026Oct 19, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2 Year Certificate of Deposit
$500
3.90% ▲ 0.94% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.94% above avgNationally 2.90%
Details

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 8, 2026: 3.90% APYSep 14, 2026Oct 19, 2026
  • Oct 8, 20263.90%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 2 Years
$500
3.90% ▲ 0.94% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.94% above avgNationally 2.90%
Details

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 8, 2026: 3.90% APYSep 14, 2026Oct 19, 2026
  • Oct 8, 20263.90%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Time Certificates of Deposit - 2 Years
$500
3.90% ▲ 0.94% above Nebraska avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.94% above avgNationally 2.90%
Details

Time Certificates 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 19, 2026
  • Oct 14, 20263.90%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
24 Month CD
$0
3.86% ▲ 0.90% above Nebraska avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.96%▲ 0.90% above avgNationally 2.90%
Details

Balance: $2,500.00 - $24,999.99

Rate History
1 change since Sep 11, 2026 · 3.75% → 3.86% ▲ 0.11 pts · high 3.86% / low 3.75%
3.25%3.80%4.36%Sep 11, 2026: 3.75% APYOct 3, 2026: 3.86% APYSep 11, 2026Oct 19, 2026
  • Oct 3, 20263.86%▲ from 3.75%
  • Sep 11, 20263.75%first recorded
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
24 Month Certificates of Deposit (CDs)
$500
3.75% ▲ 0.79% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.79% above avgNationally 2.90%
Details

Penalty for early withdrawal.

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 19, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 24 Months
$500
3.75% ▲ 0.79% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.79% above avgNationally 2.90%
Details

Penalty for early withdrawal

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 19, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
IRA 24 MONTH CD
$100
3.75% ▲ 0.79% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.79% above avgNationally 2.90%
Details

Penalty for early withdrawal.

Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 30, 2026: 3.75% APYSep 30, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70% ▲ 0.74% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.74% above avgNationally 2.90%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66% ▲ 0.70% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.70% above avgNationally 2.90%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 14, 2026: 3.66% APYOct 14, 2026Oct 19, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
24 Mo CD
$1,000
3.65% ▲ 0.69% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.69% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 19, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
24 Mo IRA
$1,000
3.65% ▲ 0.69% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.69% above avgNationally 2.90%
Details

Retirement Account; Minimum balance to obtain APY is a daily balance

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.64% above Nebraska avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.64% above avgNationally 2.90%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 19, 2026
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
24 Month CD or IRA
$0
3.55% ▲ 0.59% above Nebraska avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.96%▲ 0.59% above avgNationally 2.90%
Details

Balance: $500 - $19,999.99

Rate History
1 change since Sep 24, 2026 · 3.20% → 3.55% ▲ 0.35 pts · high 3.55% / low 3.20%
2.70%3.38%4.05%Sep 24, 2026: 3.20% APYOct 11, 2026: 3.55% APYSep 24, 2026Oct 19, 2026
  • Oct 11, 20263.55%▲ from 3.20%
  • Sep 24, 20263.20%first recorded
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
24 Months Certificate
$1,000
3.55% ▲ 0.59% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.96%▲ 0.59% above avgNationally 2.90%
Details

Rate History
No change since Oct 15, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 19, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 24 Months Certificate
$1,000
3.55% ▲ 0.59% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.96%▲ 0.59% above avgNationally 2.90%
Details

Rate History
No change since Oct 15, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 19, 2026
Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
CD Rate Special - 24 Month
$5,000
3.50% ▲ 0.54% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.54% above avgNationally 2.90%
Details

Special APY effective as of 06/22/26; minimum to open waived for existing checking and savings account customers; penalty for early withdrawal; consumer accounts only; rates subject to change without notice

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 19, 2026
Nebraska Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
2 Year Share Certificate
$5,000
3.50% ▲ 0.54% above Nebraska avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.96%▲ 0.54% above avgNationally 2.90%
Details

Credited Monthly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 24 Months - Member Loyalty
$0
3.45% ▲ 0.49% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.96%▲ 0.49% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 19, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 19, 2026: 3.45% APYOct 19, 2026Oct 19, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD's - 24 month
$50,000
3.44% ▲ 0.48% above Nebraska avg
View
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.96%▲ 0.48% above avgNationally 2.90%
Details

Rate History
No change since Oct 15, 2026 · 3.44% APY
2.94%3.44%3.94%Oct 15, 2026: 3.44% APYOct 15, 2026Oct 19, 2026
American Exchange Bank NE
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
24 Month CD
$0
3.44% ▲ 0.48% above Nebraska avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.96%▲ 0.48% above avgNationally 2.90%
Details

Interest Paid: Quarterly

Rate History
No change since Oct 8, 2026 · 3.44% APY · checked 3 times
2.94%3.44%3.94%Oct 8, 2026: 3.44% APYOct 8, 2026Oct 19, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD's - 24 month
$10,000
3.39% ▲ 0.43% above Nebraska avg
View
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.96%▲ 0.43% above avgNationally 2.90%
Details

Rate History
No change since Oct 15, 2026 · 3.39% APY
2.89%3.39%3.89%Oct 15, 2026: 3.39% APYOct 15, 2026Oct 19, 2026
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
24 Month Certificate
$0
3.35% ▲ 0.39% above Nebraska avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.96%▲ 0.39% above avgNationally 2.90%
Details

Rate History
1 change since Sep 11, 2026 · 3.15% → 3.35% ▲ 0.20 pts · high 3.35% / low 3.15%
2.65%3.25%3.85%Sep 11, 2026: 3.15% APYOct 3, 2026: 3.35% APYSep 11, 2026Oct 19, 2026
  • Oct 3, 20263.35%▲ from 3.15%
  • Sep 11, 20263.15%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 24 Months - Member Loyalty
$0
3.35% ▲ 0.39% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.96%▲ 0.39% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 19, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 19, 2026: 3.35% APYOct 19, 2026Oct 19, 2026

Reynolds 36 Month CD Rates

Nebraska 36 Month CD Average2.75% APYNational 2.82%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificates - 36 Month
$0
4.50% ▲ 1.75% above Nebraska avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.75%▲ 1.75% above avgNationally 2.82%
Details

Dividend Rate (APR) 4.410%; Annual Percentage Yield (APY) 4.50%

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 19, 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% ▲ 1.70% above Nebraska avg
View
▼
Rate4.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 1.70% above avgNationally 2.82%
Details

Substantial penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 4.45% APY · checked 7 times
3.95%4.45%4.95%Sep 20, 2026: 4.45% APYSep 20, 2026Oct 19, 2026
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
36 Month Certificate of Deposit
$1,000
4.42% ▲ 1.67% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 1.67% above avgNationally 2.82%
Details

Rate History
1 change since Sep 30, 2026 · 3.99% → 4.42% ▲ 0.43 pts · high 4.42% / low 3.99%
3.49%4.21%4.92%Sep 30, 2026: 3.99% APYOct 1, 2026: 4.42% APYSep 30, 2026Oct 19, 2026
  • Oct 1, 20264.42%▲ from 3.99%
  • Sep 30, 20263.99%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Business Certificates of Deposit - 36 Month
$1,000
4.42% ▲ 1.67% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 1.67% above avgNationally 2.82%
Details

Rate History
1 change since Sep 30, 2026 · 3.99% → 4.42% ▲ 0.43 pts · high 4.42% / low 3.99%
3.49%4.21%4.92%Sep 30, 2026: 3.99% APYOct 1, 2026: 4.42% APYSep 30, 2026Oct 19, 2026
  • Oct 1, 20264.42%▲ from 3.99%
  • Sep 30, 20263.99%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
36 Month Certificate of Deposit
$0
4.37% ▲ 1.62% above Nebraska avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 1.62% above avgNationally 2.82%
Details

Penalty with early withdrawal

Rate History
No change since Sep 19, 2026 · 4.37% APY · checked 3 times
3.87%4.37%4.87%Sep 19, 2026: 4.37% APYSep 19, 2026Oct 19, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
36 Month Certificate of Deposit (CD)
$0
4.22% ▲ 1.47% above Nebraska avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.75%▲ 1.47% above avgNationally 2.82%
Details

Balance: >= $150,000

Rate History
1 change since Sep 14, 2026 · 2.88% → 4.22% ▲ 1.34 pts · high 4.22% / low 2.88%
1.54%3.55%5.56%Sep 14, 2026: 2.88% APYSep 24, 2026: 4.22% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.22%▲ from 2.88%
  • Sep 14, 20262.88%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15% ▲ 1.40% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 1.40% above avgNationally 2.82%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 19, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
36 Month Certificate of Deposit (CD)
$0
4.11% ▲ 1.36% above Nebraska avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.75%▲ 1.36% above avgNationally 2.82%
Details

Balance: $50,000 - $149,999.99

Rate History
1 change since Sep 14, 2026 · 2.78% → 4.11% ▲ 1.33 pts · high 4.11% / low 2.78%
1.45%3.45%5.44%Sep 14, 2026: 2.78% APYSep 24, 2026: 4.11% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.11%▲ from 2.78%
  • Sep 14, 20262.78%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10% ▲ 1.35% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 1.35% above avgNationally 2.82%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 19, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
36 Mo CD
$1,000
4.06% ▲ 1.31% above Nebraska avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 1.31% 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 19, 2026
  • Oct 14, 20264.06%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
36 Month Certificate of Deposit (CD)
$0
4.01% ▲ 1.26% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.75%▲ 1.26% above avgNationally 2.82%
Details

Balance: $500 - $49,999.99

Rate History
1 change since Sep 14, 2026 · 2.68% → 4.01% ▲ 1.33 pts · high 4.01% / low 2.68%
1.35%3.35%5.34%Sep 14, 2026: 2.68% APYSep 24, 2026: 4.01% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.01%▲ from 2.68%
  • Sep 14, 20262.68%first recorded
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 36 Month
$500
4.00% ▲ 1.25% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 1.25% above avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 19, 2026
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 3 Years
$500
4.00% ▲ 1.25% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 1.25% above avgNationally 2.82%
Details

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 8, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
  • Oct 8, 20264.00%▲ from 2.65%
  • Sep 14, 20262.65%first recorded
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Time Certificates of Deposit - 3 Years
$500
4.00% ▲ 1.25% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 1.25% above avgNationally 2.82%
Details

Time Certificates 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 19, 2026
  • Oct 14, 20264.00%▲ from 2.65%
  • Sep 14, 20262.65%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% ▲ 1.20% above Nebraska avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.75%▲ 1.20% above avgNationally 2.82%
Details

Early closure: 180-day interest penalty

Rate History
No change since Sep 25, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 25, 2026: 3.95% APYSep 25, 2026Oct 19, 2026
Nebraska State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
36 Month IRA Share Certificate
$500
3.95% ▲ 1.20% above Nebraska avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.75%▲ 1.20% above avgNationally 2.82%
Details

Traditional or Roth; Early withdrawal penalty may apply

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 19, 2026
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
36 Month CD Special
$2,500
3.90% ▲ 1.15% above Nebraska avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 1.15% above avgNationally 2.82%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal; Offer may expire without notice

Rate History
No change since Sep 29, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 29, 2026: 3.90% APYSep 29, 2026Oct 19, 2026
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
36 Month Certificate
$0
3.75% ▲ 1.00% above Nebraska avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.75%▲ 1.00% above avgNationally 2.82%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 19, 2026
Trius Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
36 Month Share Certificate
$500
3.65% ▲ 0.90% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.75%▲ 0.90% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 19, 2026
Trius Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
Share Certificate 36 Months
$500
3.65% ▲ 0.90% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.75%▲ 0.90% 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 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 19, 2026
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
36 Month CD or IRA
$0
3.60% ▲ 0.85% above Nebraska avg
View
▼
Rate3.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.75%▲ 0.85% 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 19, 2026
  • Oct 11, 20263.60%▲ from 3.20%
  • Sep 24, 20263.20%first recorded
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
36 Month Youth Saver CD
$0
3.56% ▲ 0.81% above Nebraska avg
View
▼
Rate3.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.75%▲ 0.81% above avgNationally 2.82%
Details

Balance: $100 - $19,999.99

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 19, 2026
  • Oct 11, 20263.56%▲ from 3.16%
  • Sep 19, 20263.16%first recorded
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
36 Mo IRA
$1,000
3.55% ▲ 0.80% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 0.80% above avgNationally 2.82%
Details

Retirement Account; Minimum balance to obtain APY is a daily balance

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 19, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
36 Months Certificate
$1,000
3.55% ▲ 0.80% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.75%▲ 0.80% above avgNationally 2.82%
Details

One Bump - Up per Term

Rate History
No change since Oct 15, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 19, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 36 Months Certificate
$1,000
3.55% ▲ 0.80% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.75%▲ 0.80% above avgNationally 2.82%
Details

One Bump - Up per Term

Rate History
No change since Oct 15, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 19, 2026
Archer Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
36 Month Share & IRA Certificates
$500
3.55% ▲ 0.80% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.75%▲ 0.80% above avgNationally 2.82%
Details

Early withdrawal: 90 days dividend penalty (2 years or less); 180 days dividend penalty (over 2 years)

Rate History
1 change since Oct 9, 2026 · 3.49% → 3.55% ▲ 0.06 pts · high 3.55% / low 3.49%
2.99%3.52%4.05%Oct 9, 2026: 3.49% APYOct 19, 2026: 3.55% APYOct 9, 2026Oct 19, 2026
  • Oct 19, 20263.55%▲ from 3.49%
  • Oct 9, 20263.49%first recorded
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
36 Month Certificate of Deposit
$0
3.55% ▲ 0.80% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.75%▲ 0.80% above avgNationally 2.82%
Details

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 19, 2026
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
36 Month IRA Certificate
$0
3.55% ▲ 0.80% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.75%▲ 0.80% above avgNationally 2.82%
Details

Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 19, 2026
North Platte Union Pacific Employee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
36 Month Share Certificate
$0
3.54% ▲ 0.79% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.75%▲ 0.79% above avgNationally 2.82%
Details

Share Certificate; $500.00 Minimum

Rate History
No change since Sep 18, 2026 · 3.54% APY · checked 3 times
3.04%3.54%4.04%Sep 18, 2026: 3.54% APYSep 18, 2026Oct 19, 2026
Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
CD Rate Special - 36 Month
$5,000
3.50% ▲ 0.75% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 0.75% above avgNationally 2.82%
Details

Special APY effective as of 06/22/26; minimum to open waived for existing checking and savings account customers; penalty for early withdrawal; consumer accounts only; rates subject to change without notice

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 19, 2026
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
3 Year CD
$1,000
3.50% ▲ 0.75% above Nebraska avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 0.75% above avgNationally 2.82%
Details

Minimum deposit to open and earn APY; interest compounded quarterly unless otherwise stated; rate and APY fixed for the term; substantial penalty for early withdrawal; rates effective as of 10/05/2026

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 19, 2026
  • Oct 7, 20263.50%▲ from 3.25%
  • Sep 19, 20263.25%first recorded
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD's - 36 month
$50,000
3.44% ▲ 0.69% above Nebraska avg
View
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.75%▲ 0.69% above avgNationally 2.82%
Details

Rate History
No change since Oct 15, 2026 · 3.44% APY
2.94%3.44%3.94%Oct 15, 2026: 3.44% APYOct 15, 2026Oct 19, 2026
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
36 Month Certificate
$0
3.40% ▲ 0.65% above Nebraska avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.75%▲ 0.65% above avgNationally 2.82%
Details

Rate History
1 change since Sep 11, 2026 · 3.44% → 3.40% ▼ 0.04 pts · high 3.44% / low 3.40%
2.90%3.42%3.94%Sep 11, 2026: 3.44% APYOct 3, 2026: 3.40% APYSep 11, 2026Oct 19, 2026
  • Oct 3, 20263.40%▼ from 3.44%
  • Sep 11, 20263.44%first recorded
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD's - 36 month
$10,000
3.39% ▲ 0.64% above Nebraska avg
View
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.75%▲ 0.64% above avgNationally 2.82%
Details

Rate History
No change since Oct 15, 2026 · 3.39% APY
2.89%3.39%3.89%Oct 15, 2026: 3.39% APYOct 15, 2026Oct 19, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Year IRA Certificate
$1,000
3.30% ▲ 0.55% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 0.55% above avgNationally 2.82%
Details

3 Year IRA Certificate; Early withdrawal penalty applies

Rate History
1 change since Oct 7, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10%
2.60%3.20%3.80%Oct 7, 2026: 3.10% APYOct 14, 2026: 3.30% APYOct 7, 2026Oct 19, 2026
  • Oct 14, 20263.30%▲ from 3.10%
  • Oct 7, 20263.10%first recorded
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Certificate of Deposit - 36 Month
$1,000
3.30% ▲ 0.55% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 0.55% above avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 19, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
36 Month Share Certificate
$500
3.30% ▲ 0.55% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.75%▲ 0.55% above avgNationally 2.82%
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 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 20, 2026: 3.30% APYSep 20, 2026Oct 19, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Certificate - 36 months
$500
3.30% ▲ 0.55% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.75%▲ 0.55% above avgNationally 2.82%
Details

Pay monthly; 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 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 19, 2026
Commercial State Bank Wausa, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
Certificates of Deposit - 36 Month
$1,000
3.25% ▲ 0.50% above Nebraska avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 0.50% above avgNationally 2.82%
Details

APY compounded quarterly

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 19, 2026
Great Plains State Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.53%
36 Month CD
$0
3.25% ▲ 0.50% above Nebraska avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 0.50% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 19, 2026
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 36 Month STEP-UP
$500
3.15% ▲ 0.40% above Nebraska avg
View
▼
Rate3.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.75%▲ 0.40% above avgNationally 2.82%
Details

STEP-UP; Rates may change after the account is opened

Rate History
No change since Oct 15, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 15, 2026: 3.15% APYOct 15, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 36 Months - Member Loyalty
$0
3.15% ▲ 0.40% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.75%▲ 0.40% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 19, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 19, 2026: 3.15% APYOct 19, 2026Oct 19, 2026
Platte Valley Bank North Bend, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
36 Month Certificate
$500
3.05% ▲ 0.30% above Nebraska avg
View
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.75%▲ 0.30% above avgNationally 2.82%
Details

Rate History
1 change since Sep 11, 2026 · 2.20% → 3.05% ▲ 0.85 pts · high 3.05% / low 2.20%
1.35%2.63%3.90%Sep 11, 2026: 2.20% APYSep 19, 2026: 3.05% APYSep 11, 2026Oct 19, 2026
  • Sep 19, 20263.05%▲ from 2.20%
  • Sep 11, 20262.20%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 36 Months - Member Loyalty
$0
3.05% ▲ 0.30% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.75%▲ 0.30% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 19, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 19, 2026: 3.05% APYOct 19, 2026Oct 19, 2026
First Lincoln Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.25%
36 Month IRA Share Certificate
$1,000
3.04% ▲ 0.29% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.75%▲ 0.29% above avgNationally 2.82%
Details

Rates fixed for the specified term; early withdrawal penalty applies; compounds monthly

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 19, 2026
First Lincoln Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.25%
36 Month Share Certificates
$0
3.04% ▲ 0.29% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.75%▲ 0.29% above avgNationally 2.82%
Details

Rates effective as of August 13, 2025; Share Certificate rates are fixed for the specified term; penalty for early withdrawal; compounds monthly

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 19, 2026
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
36 Month Certificate of Deposit
$1,000
3.03% ▲ 0.28% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 0.28% above avgNationally 2.82%
Details

Visit a branch; Rate for balances below $250,000.00; add 0.25% for balances at or over $250,000.00

Rate History
No change since Oct 14, 2026 · 3.03% APY
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 19, 2026
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
36 Month Certificates of Deposit
$0
3.03% ▲ 0.28% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.75%▲ 0.28% above avgNationally 2.82%
Details

Balance: $10,000+

Rate History
No change since Sep 19, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 19, 2026: 3.03% APYSep 19, 2026Oct 19, 2026
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
36 Month Certificate Of Deposit
$250
3.03% ▲ 0.28% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.75%▲ 0.28% above avgNationally 2.82%
Details

Rate History
No change since Oct 7, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Oct 7, 2026: 3.03% APYOct 7, 2026Oct 19, 2026
United Republic Bank
Institution Rating:
F1.7 ★Texas Ratio: 54.29%
Business Certificate of Deposit - 36-month
$1,000
3.00% ▲ 0.25% above Nebraska avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.75%▲ 0.25% above avgNationally 2.82%
Details

Regular Time Certificate; early withdrawal penalty may be assessed

Rate History
No change since Oct 14, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 19, 2026

Reynolds 48 Month CD Rates

Nebraska 48 Month CD Average2.72% APYNational 2.81%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
48 Month CD
$500
4.55% ▲ 1.83% above Nebraska avg
View
▼
Rate4.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 1.83% above avgNationally 2.81%
Details

Substantial penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 4.55% APY · checked 7 times
4.05%4.55%5.05%Sep 20, 2026: 4.55% APYSep 20, 2026Oct 19, 2026
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
48 Month Certificate of Deposit
$1,000
4.46% ▲ 1.74% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 1.74% above avgNationally 2.81%
Details

Rate History
1 change since Sep 30, 2026 · 4.07% → 4.46% ▲ 0.39 pts · high 4.46% / low 4.07%
3.57%4.27%4.96%Sep 30, 2026: 4.07% APYOct 1, 2026: 4.46% APYSep 30, 2026Oct 19, 2026
  • Oct 1, 20264.46%▲ from 4.07%
  • Sep 30, 20264.07%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Business Certificates of Deposit - 48 Month
$1,000
4.46% ▲ 1.74% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 1.74% above avgNationally 2.81%
Details

Rate History
1 change since Sep 30, 2026 · 4.07% → 4.46% ▲ 0.39 pts · high 4.46% / low 4.07%
3.57%4.27%4.96%Sep 30, 2026: 4.07% APYOct 1, 2026: 4.46% APYSep 30, 2026Oct 19, 2026
  • Oct 1, 20264.46%▲ from 4.07%
  • Sep 30, 20264.07%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
48 Month Certificate of Deposit
$0
4.37% ▲ 1.65% above Nebraska avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 1.65% above avgNationally 2.81%
Details

Penalty with early withdrawal

Rate History
No change since Sep 19, 2026 · 4.37% APY · checked 3 times
3.87%4.37%4.87%Sep 19, 2026: 4.37% APYSep 19, 2026Oct 19, 2026
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
48 Month CD
$0
4.36% ▲ 1.64% above Nebraska avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.72%▲ 1.64% 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 19, 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
$0
4.31% ▲ 1.59% above Nebraska avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.72%▲ 1.59% 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 19, 2026
  • Oct 3, 20264.31%▲ from 4.20%
  • Sep 11, 20264.20%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
48 Month Certificate of Deposit (CD)
$0
4.22% ▲ 1.50% above Nebraska avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.72%▲ 1.50% above avgNationally 2.81%
Details

Balance: >= $150,000

Rate History
1 change since Sep 14, 2026 · 2.88% → 4.22% ▲ 1.34 pts · high 4.22% / low 2.88%
1.54%3.55%5.56%Sep 14, 2026: 2.88% APYSep 24, 2026: 4.22% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.22%▲ from 2.88%
  • Sep 14, 20262.88%first recorded
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
48 Month CD
$0
4.15% ▲ 1.43% above Nebraska avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.72%▲ 1.43% 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 19, 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 Deposit (CD)
$0
4.11% ▲ 1.39% above Nebraska avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.72%▲ 1.39% above avgNationally 2.81%
Details

Balance: $50,000 - $149,999.99

Rate History
1 change since Sep 14, 2026 · 2.78% → 4.11% ▲ 1.33 pts · high 4.11% / low 2.78%
1.45%3.45%5.44%Sep 14, 2026: 2.78% APYSep 24, 2026: 4.11% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.11%▲ from 2.78%
  • Sep 14, 20262.78%first recorded
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 4 Years
$500
4.05% ▲ 1.33% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 1.33% above avgNationally 2.81%
Details

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 8, 2026: 4.05% APYSep 14, 2026Oct 19, 2026
  • Oct 8, 20264.05%▲ from 2.55%
  • Sep 14, 20262.55%first recorded
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Time Certificates of Deposit - 4 Years
$500
4.05% ▲ 1.33% above Nebraska avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 1.33% above avgNationally 2.81%
Details

Time Certificates 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 19, 2026
  • Oct 14, 20264.05%▲ from 2.55%
  • Sep 14, 20262.55%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
48 Month Certificate of Deposit (CD)
$0
4.01% ▲ 1.29% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.72%▲ 1.29% above avgNationally 2.81%
Details

Balance: $500 - $49,999.99

Rate History
1 change since Sep 14, 2026 · 2.73% → 4.01% ▲ 1.28 pts · high 4.01% / low 2.73%
1.45%3.37%5.29%Sep 14, 2026: 2.73% APYSep 24, 2026: 4.01% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.01%▲ from 2.73%
  • Sep 14, 20262.73%first recorded
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 48 Month
$500
4.00% ▲ 1.28% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 1.28% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 19, 2026
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
48 Month CD
$0
3.89% ▲ 1.17% above Nebraska avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.72%▲ 1.17% 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 19, 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
$0
3.80% ▲ 1.08% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.72%▲ 1.08% above avgNationally 2.81%
Details

Share Certificate; $500.00 Minimum

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 19, 2026
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
48 Month CD or IRA
$0
3.65% ▲ 0.93% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.72%▲ 0.93% 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 19, 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%
48 Month IRA Share Certificate
$500
3.65% ▲ 0.93% above Nebraska avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.72%▲ 0.93% above avgNationally 2.81%
Details

Traditional or Roth; Early withdrawal penalty may apply

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 19, 2026
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
48 Month Youth Saver CD
$0
3.60% ▲ 0.88% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.72%▲ 0.88% 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 19, 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 Certificates
$500
3.60% ▲ 0.88% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.72%▲ 0.88% above avgNationally 2.81%
Details

Early withdrawal: 90 days dividend penalty (2 years or less); 180 days dividend penalty (over 2 years)

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
48 Months Certificate
$1,000
3.55% ▲ 0.83% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.72%▲ 0.83% above avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 19, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 48 Months Certificate
$1,000
3.55% ▲ 0.83% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.72%▲ 0.83% above avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 19, 2026
Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
CD Rate Special - 48 Month
$5,000
3.50% ▲ 0.78% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 0.78% above avgNationally 2.81%
Details

Special APY effective as of 06/22/26; minimum to open waived for existing checking and savings account customers; penalty for early withdrawal; consumer accounts only; rates subject to change without notice

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 19, 2026
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
4 Year CD
$1,000
3.50% ▲ 0.78% above Nebraska avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 0.78% above avgNationally 2.81%
Details

Minimum deposit to open and earn APY; interest compounded quarterly unless otherwise stated; rate and APY fixed for the term; substantial penalty for early withdrawal; rates effective as of 10/05/2026

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 19, 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% ▲ 0.78% above Nebraska avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.72%▲ 0.78% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 19, 2026
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
48 Month Certificate
$0
3.45% ▲ 0.73% above Nebraska avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.72%▲ 0.73% above avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 3.39% → 3.45% ▲ 0.06 pts · high 3.45% / low 3.39%
2.89%3.42%3.95%Sep 11, 2026: 3.39% APYOct 3, 2026: 3.45% APYSep 11, 2026Oct 19, 2026
  • Oct 3, 20263.45%▲ from 3.39%
  • Sep 11, 20263.39%first recorded
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD's - 48 month
$50,000
3.44% ▲ 0.72% above Nebraska avg
View
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.72%▲ 0.72% above avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 3.44% APY
2.94%3.44%3.94%Oct 15, 2026: 3.44% APYOct 15, 2026Oct 19, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD's - 48 month
$10,000
3.39% ▲ 0.67% above Nebraska avg
View
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.72%▲ 0.67% above avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 3.39% APY
2.89%3.39%3.89%Oct 15, 2026: 3.39% APYOct 15, 2026Oct 19, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
48 Mo CD
$1,000
3.35% ▲ 0.63% above Nebraska avg
View
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 0.63% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 19, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
48 Mo IRA
$1,000
3.35% ▲ 0.63% above Nebraska avg
View
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 0.63% above avgNationally 2.81%
Details

Retirement Account; Minimum balance to obtain APY is a daily balance

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 19, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
48 Month Share Certificate
$500
3.35% ▲ 0.63% above Nebraska avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.72%▲ 0.63% 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 4 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 19, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Certificate - 48 months
$500
3.35% ▲ 0.63% above Nebraska avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.72%▲ 0.63% 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; Membership required

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 19, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year IRA Certificate
$1,000
3.30% ▲ 0.58% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 0.58% above avgNationally 2.81%
Details

4 Year IRA Certificate; Early withdrawal penalty applies

Rate History
1 change since Oct 7, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10%
2.60%3.20%3.80%Oct 7, 2026: 3.10% APYOct 14, 2026: 3.30% APYOct 7, 2026Oct 19, 2026
  • Oct 14, 20263.30%▲ from 3.10%
  • Oct 7, 20263.10%first recorded
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Certificate of Deposit - 48 Month
$1,000
3.30% ▲ 0.58% above Nebraska avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 0.58% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 19, 2026
Great Plains State Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.53%
48 Month CD
$0
3.30% ▲ 0.58% above Nebraska avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 0.58% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 19, 2026
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 48 Month
$500
3.15% ▲ 0.43% above Nebraska avg
View
▼
Rate3.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.72%▲ 0.43% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 48 Months - Member Loyalty
$0
3.15% ▲ 0.43% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.72%▲ 0.43% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 19, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 19, 2026: 3.15% APYOct 19, 2026Oct 19, 2026
Platte Valley Bank North Bend, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
48 Month Certificate
$500
3.05% ▲ 0.33% above Nebraska avg
View
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.72%▲ 0.33% above avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 2.35% → 3.05% ▲ 0.70 pts · high 3.05% / low 2.35%
1.65%2.70%3.75%Sep 11, 2026: 2.35% APYSep 19, 2026: 3.05% APYSep 11, 2026Oct 19, 2026
  • Sep 19, 20263.05%▲ from 2.35%
  • Sep 11, 20262.35%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 48 Months - Member Loyalty
$0
3.05% ▲ 0.33% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.72%▲ 0.33% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 19, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 19, 2026: 3.05% APYOct 19, 2026Oct 19, 2026
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
48 Month Certificate of Deposit
$1,000
3.03% ▲ 0.31% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 0.31% above avgNationally 2.81%
Details

Visit a branch; Rate for balances below $250,000.00; add 0.25% for balances at or over $250,000.00

Rate History
No change since Oct 14, 2026 · 3.03% APY
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 19, 2026
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
48 Month Certificates of Deposit
$0
3.03% ▲ 0.31% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.72%▲ 0.31% above avgNationally 2.81%
Details

Balance: $10,000+

Rate History
No change since Sep 19, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 19, 2026: 3.03% APYSep 19, 2026Oct 19, 2026
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
48 Month Certificate Of Deposit
$250
3.03% ▲ 0.31% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.72%▲ 0.31% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Oct 7, 2026: 3.03% APYOct 7, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
48 Month Business Term Share Certificate
$0
3.00% ▲ 0.28% above Nebraska avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.72%▲ 0.28% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 48 Months
$0
3.00% ▲ 0.28% above Nebraska avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.72%▲ 0.28% above avgNationally 2.81%
Details

Balance: $100,000.00 & greater; Quarterly

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 19, 2026
Commercial State Bank Wausa, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
Certificates of Deposit - 48 Month
$1,000
2.99% ▲ 0.27% above Nebraska avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 0.27% above avgNationally 2.81%
Details

APY compounded quarterly

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 7 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 19, 2026
The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Share Certificates (CD's) - 48 Month
$500
2.95% ▲ 0.23% above Nebraska avg
View
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.72%▲ 0.23% above avgNationally 2.81%
Details

Rates effective as of 02/10/26; Minimum balance of $500 required to open and earn dividends

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 19, 2026
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
Share Certificate - 48 Month
$500
2.90% ▲ 0.18% above Nebraska avg
View
▼
Rate2.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.72%▲ 0.18% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 5, 2026 · 2.90% APY · checked 4 times
2.40%2.90%3.40%Oct 5, 2026: 2.90% APYOct 5, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
48 Month Business Term Share Certificate
$0
2.90% ▲ 0.18% above Nebraska avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.72%▲ 0.18% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 48 Months
$0
2.90% ▲ 0.18% above Nebraska avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.72%▲ 0.18% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 4 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 19, 2026
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$500
2.88% ▲ 0.16% above Nebraska avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.72%▲ 0.16% above avgNationally 2.81%
Details

Balance: $100,000.00 and up; Early withdrawal penalty applies; Rate and APY may change after account opening

Rate History
No change since Sep 19, 2026 · 2.88% APY · checked 8 times
2.38%2.88%3.38%Sep 19, 2026: 2.88% APYSep 19, 2026Oct 19, 2026
Centris Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
Jumbo Certificates - 48 month
$90,000
2.85% ▲ 0.13% above Nebraska avg
View
▼
Rate2.81%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.72%▲ 0.13% above avgNationally 2.81%
Details

Minimum opening deposit of $90,000.00

Rate History
No change since Sep 16, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 16, 2026: 2.85% APYSep 16, 2026Oct 19, 2026

Reynolds 60 Month CD Rates

Nebraska 60 Month CD Average2.85% APYNational 2.93%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
60 Month CD
$500
4.55% ▲ 1.70% above Nebraska avg
View
▼
Rate4.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 1.70% above avgNationally 2.93%
Details

Substantial penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 4.55% APY · checked 7 times
4.05%4.55%5.05%Sep 20, 2026: 4.55% APYSep 20, 2026Oct 19, 2026
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
60 Month Certificate of Deposit
$1,000
4.46% ▲ 1.61% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 1.61% above avgNationally 2.93%
Details

Rate History
1 change since Sep 30, 2026 · 3.75% → 4.46% ▲ 0.71 pts · high 4.46% / low 3.75%
3.04%4.11%5.17%Sep 30, 2026: 3.75% APYOct 1, 2026: 4.46% APYSep 30, 2026Oct 19, 2026
  • Oct 1, 20264.46%▲ from 3.75%
  • Sep 30, 20263.75%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Business Certificates of Deposit - 60 Month
$1,000
4.46% ▲ 1.61% above Nebraska avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 1.61% above avgNationally 2.93%
Details

Rate History
1 change since Sep 30, 2026 · 3.75% → 4.46% ▲ 0.71 pts · high 4.46% / low 3.75%
3.04%4.11%5.17%Sep 30, 2026: 3.75% APYOct 1, 2026: 4.46% APYSep 30, 2026Oct 19, 2026
  • Oct 1, 20264.46%▲ from 3.75%
  • Sep 30, 20263.75%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
60 Month Certificate of Deposit
$0
4.37% ▲ 1.52% above Nebraska avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 1.52% above avgNationally 2.93%
Details

Penalty with early withdrawal

Rate History
No change since Sep 19, 2026 · 4.37% APY · checked 3 times
3.87%4.37%4.87%Sep 19, 2026: 4.37% APYSep 19, 2026Oct 19, 2026
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
60 Month Certificate of Deposit (CD)
$0
4.22% ▲ 1.37% above Nebraska avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.85%▲ 1.37% above avgNationally 2.93%
Details

Balance: >= $150,000

Rate History
1 change since Sep 14, 2026 · 2.88% → 4.22% ▲ 1.34 pts · high 4.22% / low 2.88%
1.54%3.55%5.56%Sep 14, 2026: 2.88% APYSep 24, 2026: 4.22% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.22%▲ from 2.88%
  • Sep 14, 20262.88%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
60 Month Certificate of Deposit (CD)
$0
4.11% ▲ 1.26% above Nebraska avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.85%▲ 1.26% above avgNationally 2.93%
Details

Balance: $50,000 - $149,999.99

Rate History
1 change since Sep 14, 2026 · 2.78% → 4.11% ▲ 1.33 pts · high 4.11% / low 2.78%
1.45%3.45%5.44%Sep 14, 2026: 2.78% APYSep 24, 2026: 4.11% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.11%▲ from 2.78%
  • Sep 14, 20262.78%first recorded
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 5 Years
$500
4.10% ▲ 1.25% above Nebraska avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 1.25% above avgNationally 2.93%
Details

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 8, 2026: 4.10% APYSep 14, 2026Oct 19, 2026
  • Oct 8, 20264.10%▲ from 2.45%
  • Sep 14, 20262.45%first recorded
Nebraska State Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Time Certificates of Deposit - 5 Years
$500
4.10% ▲ 1.25% above Nebraska avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 1.25% above avgNationally 2.93%
Details

Time Certificates 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 19, 2026
  • Oct 14, 20264.10%▲ from 2.45%
  • Sep 14, 20262.45%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
60 Month Certificate of Deposit (CD)
$0
4.01% ▲ 1.16% above Nebraska avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.85%▲ 1.16% above avgNationally 2.93%
Details

Balance: $500 - $49,999.99

Rate History
1 change since Sep 14, 2026 · 2.73% → 4.01% ▲ 1.28 pts · high 4.01% / low 2.73%
1.45%3.37%5.29%Sep 14, 2026: 2.73% APYSep 24, 2026: 4.01% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.01%▲ from 2.73%
  • Sep 14, 20262.73%first recorded
Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Certificates of Deposit (CDs) - 60 Month
$500
4.00% ▲ 1.15% above Nebraska avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 1.15% above avgNationally 2.93%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90% ▲ 1.05% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 1.05% above avgNationally 2.93%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85% ▲ 1.00% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 1.00% above avgNationally 2.93%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 19, 2026
North Platte Union Pacific Employee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Special Share Certificate - 60 Month
$500
3.80% ▲ 0.95% above Nebraska avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.85%▲ 0.95% above avgNationally 2.93%
Details

You may raise your rate twice during the term of a 60-month certificate if rates increase during the term

Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 19, 2026
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
60 Month CD or IRA
$0
3.65% ▲ 0.80% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.85%▲ 0.80% above avgNationally 2.93%
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 19, 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% ▲ 0.75% above Nebraska avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.85%▲ 0.75% above avgNationally 2.93%
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 19, 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 Certificates
$500
3.60% ▲ 0.75% above Nebraska avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.85%▲ 0.75% above avgNationally 2.93%
Details

Early withdrawal: 90 days dividend penalty (2 years or less); 180 days dividend penalty (over 2 years)

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
60 Months Certificate
$1,000
3.55% ▲ 0.70% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.85%▲ 0.70% above avgNationally 2.93%
Details

Rate History
No change since Oct 15, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 19, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 60 Months Certificate
$1,000
3.55% ▲ 0.70% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.85%▲ 0.70% above avgNationally 2.93%
Details

Rate History
No change since Oct 15, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 19, 2026
Nebraska State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
60 Month IRA Share Certificate
$500
3.55% ▲ 0.70% above Nebraska avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.85%▲ 0.70% above avgNationally 2.93%
Details

Traditional or Roth; Early withdrawal penalty may apply

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 19, 2026
Access Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
60 Month Business Certificate of Deposit
$0
3.50% ▲ 0.65% above Nebraska avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 0.65% above avgNationally 2.93%
Details

Interest Paid: Quarterly and at Maturity

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 19, 2026
Access Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
60 Month Certificate of Deposit
$0
3.50% ▲ 0.65% above Nebraska avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 0.65% above avgNationally 2.93%
Details

Interest paid: Quarterly and at Maturity

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 19, 2026
Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
CD Rate Special - 60 Month
$5,000
3.50% ▲ 0.65% above Nebraska avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 0.65% above avgNationally 2.93%
Details

Special APY effective as of 06/22/26; minimum to open waived for existing checking and savings account customers; penalty for early withdrawal; consumer accounts only; rates subject to change without notice

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 19, 2026
Pathway Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.68%
5 Year CD
$1,000
3.50% ▲ 0.65% above Nebraska avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 0.65% above avgNationally 2.93%
Details

Minimum deposit to open and earn APY; interest compounded quarterly unless otherwise stated; rate and APY fixed for the term; substantial penalty for early withdrawal; rates effective as of 10/05/2026

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 19, 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%
60 Month Certificate
$0
3.50% ▲ 0.65% above Nebraska avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.85%▲ 0.65% above avgNationally 2.93%
Details

Rate History
1 change since Sep 11, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
2.79%3.40%4.00%Sep 11, 2026: 3.29% APYOct 3, 2026: 3.50% APYSep 11, 2026Oct 19, 2026
  • Oct 3, 20263.50%▲ from 3.29%
  • Sep 11, 20263.29%first recorded
Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
60 Month Certificate
$0
3.50% ▲ 0.65% above Nebraska avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.85%▲ 0.65% above avgNationally 2.93%
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 19, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD's - 60 month
$50,000
3.44% ▲ 0.59% above Nebraska avg
View
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.85%▲ 0.59% above avgNationally 2.93%
Details

Rate History
No change since Oct 15, 2026 · 3.44% APY
2.94%3.44%3.94%Oct 15, 2026: 3.44% APYOct 15, 2026Oct 19, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
5 Year IRA Certificate
$1,000
3.40% ▲ 0.55% above Nebraska avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 0.55% above avgNationally 2.93%
Details

5 Year IRA Certificate; Early withdrawal penalty applies

Rate History
1 change since Oct 7, 2026 · 3.10% → 3.40% ▲ 0.30 pts · high 3.40% / low 3.10%
2.60%3.25%3.90%Oct 7, 2026: 3.10% APYOct 14, 2026: 3.40% APYOct 7, 2026Oct 19, 2026
  • Oct 14, 20263.40%▲ from 3.10%
  • Oct 7, 20263.10%first recorded
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
60 Month Share Certificate
$500
3.40% ▲ 0.55% above Nebraska avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.85%▲ 0.55% above avgNationally 2.93%
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 4 times
2.90%3.40%3.90%Sep 20, 2026: 3.40% APYSep 20, 2026Oct 19, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Certificate - 60 months
$500
3.40% ▲ 0.55% above Nebraska avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.85%▲ 0.55% above avgNationally 2.93%
Details

Pay monthly; 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 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 19, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD's - 60 month
$10,000
3.39% ▲ 0.54% above Nebraska avg
View
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.85%▲ 0.54% above avgNationally 2.93%
Details

Rate History
No change since Oct 15, 2026 · 3.39% APY
2.89%3.39%3.89%Oct 15, 2026: 3.39% APYOct 15, 2026Oct 19, 2026
Great Plains State Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.53%
60 Month CD
$0
3.35% ▲ 0.50% above Nebraska avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 0.50% above avgNationally 2.93%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 19, 2026
Cattle Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
60 Month Certificate of Deposit
$500
3.25% ▲ 0.40% above Nebraska avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 0.40% above avgNationally 2.93%
Details

Penalties apply for early withdrawal; No brokered funds

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 19, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
60 Mo CD
$1,000
3.25% ▲ 0.40% above Nebraska avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 0.40% above avgNationally 2.93%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 19, 2026
FirstBank of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
60 Mo IRA
$1,000
3.25% ▲ 0.40% above Nebraska avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 0.40% above avgNationally 2.93%
Details

Retirement Account; Minimum balance to obtain APY is a daily balance

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 19, 2026
Platte Valley Bank North Bend, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
60 Month Certificate
$500
3.15% ▲ 0.30% above Nebraska avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.85%▲ 0.30% above avgNationally 2.93%
Details

Rate History
1 change since Sep 11, 2026 · 2.40% → 3.15% ▲ 0.75 pts · high 3.15% / low 2.40%
1.65%2.78%3.90%Sep 11, 2026: 2.40% APYSep 19, 2026: 3.15% APYSep 11, 2026Oct 19, 2026
  • Sep 19, 20263.15%▲ from 2.40%
  • Sep 11, 20262.40%first recorded
Custer Federal State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 60 Month STEP-UP
$500
3.15% ▲ 0.30% above Nebraska avg
View
▼
Rate3.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.85%▲ 0.30% above avgNationally 2.93%
Details

STEP-UP; Rates may change after the account is opened

Rate History
No change since Oct 15, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 15, 2026: 3.15% APYOct 15, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 60 Months - Member Loyalty
$0
3.15% ▲ 0.30% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.85%▲ 0.30% above avgNationally 2.93%
Details

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

Rate History
No change since Oct 19, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 19, 2026: 3.15% APYOct 19, 2026Oct 19, 2026
Madison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
60 Month Certificate of Deposit
$500
3.10% ▲ 0.25% above Nebraska avg
View
▼
Rate3.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.85%▲ 0.25% above avgNationally 2.93%
Details

Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 24, 2026: 3.10% APYSep 24, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 60 Months - Member Loyalty
$0
3.05% ▲ 0.20% above Nebraska avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.85%▲ 0.20% above avgNationally 2.93%
Details

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

Rate History
No change since Oct 19, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 19, 2026: 3.05% APYOct 19, 2026Oct 19, 2026
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
60 Month Certificate of Deposit
$0
3.03% ▲ 0.18% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.85%▲ 0.18% above avgNationally 2.93%
Details

Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 5 times
2.53%3.03%3.53%Sep 24, 2026: 3.03% APYSep 24, 2026Oct 19, 2026
Premier Bank Omaha, NE
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
60 Month IRA Certificate
$0
3.03% ▲ 0.18% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.85%▲ 0.18% above avgNationally 2.93%
Details

Rate History
No change since Oct 7, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Oct 7, 2026: 3.03% APYOct 7, 2026Oct 19, 2026
West Gate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
60 Month Certificate of Deposit
$1,000
3.03% ▲ 0.18% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nebraska Average2.85%▲ 0.18% above avgNationally 2.93%
Details

Visit a branch; Rate for balances below $250,000.00; add 0.25% for balances at or over $250,000.00

Rate History
No change since Oct 14, 2026 · 3.03% APY
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 19, 2026
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
60 Month Certificates of Deposit
$0
3.03% ▲ 0.18% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.85%▲ 0.18% above avgNationally 2.93%
Details

Balance: $10,000+

Rate History
No change since Sep 19, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 19, 2026: 3.03% APYSep 19, 2026Oct 19, 2026
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
60 Month Certificate Of Deposit
$250
3.03% ▲ 0.18% above Nebraska avg
View
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nebraska Average2.85%▲ 0.18% above avgNationally 2.93%
Details

Rate History
No change since Oct 7, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Oct 7, 2026: 3.03% APYOct 7, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
60 Month Business Term Share Certificate
$0
3.00% ▲ 0.15% above Nebraska avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.85%▲ 0.15% above avgNationally 2.93%
Details

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

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 60 Months
$0
3.00% ▲ 0.15% above Nebraska avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.85%▲ 0.15% above avgNationally 2.93%
Details

Balance: $100,000.00 & greater; Quarterly

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 19, 2026
The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Share Certificates (CD's) - 60 Month
$500
3.00% ▲ 0.15% above Nebraska avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.85%▲ 0.15% above avgNationally 2.93%
Details

Rates effective as of 02/10/26; Minimum balance of $500 required to open and earn dividends

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
60 Month Business Term Share Certificate
$0
2.90% ▲ 0.05% above Nebraska avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.85%▲ 0.05% above avgNationally 2.93%
Details

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

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 19, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 60 Months
$0
2.90% ▲ 0.05% above Nebraska avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nebraska Average2.85%▲ 0.05% above avgNationally 2.93%
Details

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

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 4 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 19, 2026
Centris Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
Jumbo Certificates - 60 month
$90,000
2.85% At Nebraska avg
View
▼
Rate2.81%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Nebraska Average2.85%At the averageNationally 2.93%
Details

Minimum opening deposit of $90,000.00

Rate History
No change since Sep 16, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 16, 2026: 2.85% APYSep 16, 2026Oct 19, 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 Reynolds, Nebraska Institutions

Highest verified APYs available today, updated October 19, 2026

B Top 5 Bank Rates
First Westroads Bank
48 Month CD
A+ 5.0 ★ TX: 0.04%
Min: $500
4.55%
Cornhusker Bank
48 Month Certificate of Deposit
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
36 Month Certificate of Deposit
A+ 5.0 ★ TX: 0.64%
Min: $0
4.37%
Thayer County Bank
48 Month CD
A+ 5.0 ★ TX: 1.69%
Min: $0
4.36%
CU Top 5 Credit Union Rates
Omaha Federal Credit Union
Share Certificates - 36 Month
A+ 5.0 ★ TX: 3.18%
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 Certificates
A+ 5.0 ★ TX: 5.83%
Min: $500
4.30%
Cobalt Federal Credit Union
6 Month Certificate - Member Loyalty
A 5.0 ★ TX: 6.25%
Min: $0
4.20%
Omaha Police Federal Credit Union
18 Month Certificate Special
A+ 5.0 ★ TX: 0.04%
Min: $2,500
4.10%
Rates verified October 19, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Reynolds, NE CD Rate Trends

Compare local Reynolds, 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
3.081%
▲ 0.024 vs 7 days ago

Nebraska 12-month CD rates rose 0.024 points over the past 7 days to 3.081% APY.

6-Month CD NE Avg
3.036%
▲ 0.060 vs 7 days ago

Nebraska 6-month CD rates rose 0.060 points over the past 7 days to 3.036% APY.

As of Oct 19, 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
3.081%
6-Month Forecast
3.081%
Range: 2.88%, 3.23%
12-Month Forecast
3.331%
Range: 3.13%, 3.48%

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 1.29% 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 2.110% $105.51 $211.01 $527.53 $1,055.05
6-Month CD 3.036% $151.82 $303.63 $759.08 $1,518.15
12-Month CD 3.081% $154.07 $308.14 $770.35 $1,540.70
18-Month CD 2.876% $143.82 $287.63 $719.08 $1,438.15
24-Month CD 2.963% $148.16 $296.32 $740.80 $1,481.60
36-Month CD 2.749% $137.45 $274.90 $687.25 $1,374.50
48-Month CD 2.718% $135.89 $271.78 $679.45 $1,358.90
60-Month CD 2.849% $142.47 $284.94 $712.35 $1,424.70
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 19, 2026.
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Sample CD Ladder for Reynolds, 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 2.110% $105.51
2 6-Month CD $5,000 3.036% $151.82
3 12-Month CD $5,000 3.081% $154.07
4 24-Month CD $5,000 2.963% $148.16
5 36-Month CD $5,000 2.749% $137.45
Total ($25,000 invested) $25,000 2.788% blended $697.01/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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856
CD Rates
Tracked in Reynolds, Nebraska
71 Banks 32 Credit Unions

About Our Reynolds, Nebraska CD Rate Database

MonitorBankRates tracks 856 CD rates from 71 banks and 32 credit unions with locations in Reynolds, 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: First Westroads Bank offers a CD at 4.55% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Reynolds, Nebraska.

How to Find the Best CD Rates in Reynolds, Nebraska

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

To find the best APYs in Reynolds, Nebraska, start with credit unions and online-only banks: Reynolds, Nebraska has 32 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 Reynolds, 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 Reynolds, Nebraska: 103 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
$136/yr
At NE 12-mo avg 3.081% 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 3.081%, saving 10% of the local median salary ($4,427/year) and putting it in a CD would earn an additional $136 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 Reynolds, 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

How Certificates of Deposit Work in Reynolds, Nebraska

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 Reynolds, 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 Reynolds, Nebraska as everywhere in the U.S.

Choosing a CD Term in Reynolds, Nebraska

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Reynolds, Nebraska savers easier access to their funds. For example, Exchange Bank (NE) is offering its 6 Month CD Special at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, First Westroads Bank is offering its 60 Month CD at 4.55% 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 for Reynolds, Nebraska Savers

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 Reynolds, 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 in Reynolds, Nebraska

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 Reynolds, 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 in Reynolds, Nebraska

Most CDs carry a fixed rate that is locked for the entire term, protecting a Reynolds, 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 Reynolds, Nebraska

Are CD rates in Reynolds, Nebraska FDIC insured?

Yes, most established banks in Reynolds, 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 Reynolds, 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 Reynolds, 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 Reynolds, 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 Reynolds, Nebraska?

Here are recent top rates found for this area:
  • First Westroads Bank: 4.55% APY (48 Month CD)
  • Omaha Federal Credit Union: 4.50% APY (Share Certificates - 36 Month)
  • Cornhusker Bank: 4.46% APY (48 Month Certificate of Deposit)
  • Union Bank and Trust Company: 4.40% APY (24 Month Certificate of Deposit)
  • Farmers and Merchants Bank Milligan, NE: 4.37% APY (36 Month Certificate of Deposit)
  • Thayer County Bank: 4.36% APY (48 Month CD)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Bruning Bank: 4.35% APY (Certificates of Deposit - 24 Months Special)
  • Cattle Bank and Trust: 4.35% APY (18 Month Certificate of Deposit)
  • Archer Cooperative Credit Union: 4.30% APY (24 Month Share & IRA Certificates)
Rates reflect recent verified offers available in Reynolds, Nebraska. Last Updated: October 19, 2026

Reynolds, 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 Reynolds, 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 Reynolds, Nebraska CD Rates by Term

Verified October 19, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Reynolds, Nebraska. Averages shown use the Nebraska state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Reynolds, Nebraska

Reynolds, Nebraska CD Calculator

At today’s NE top rate of 4.55% APY, a $10,000 deposit earns $455 in the first year. Enter your amount to see your exact return.

Reynolds, Nebraska CD Ladder

NE CD rates currently range from 2.110% (3-month) to 2.749% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Reynolds, Nebraska CD at 4.55% 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 3.081% 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 Reynolds, 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 Reynolds, 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 Reynolds, 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 19, 2026

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