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Highest CD Rates in Nebraska
416 Nebraska-specific CD products

By Aviel Fahl

Newest reading: October 13, 2026

Top Nebraska Rate:4.55% APYFDIC or NCUA Insured

The Nebraska market

Nebraska accounts

416

Institutions

44

Top Nebraska APY

4.55% APY

Nationally: 5.00% APY

FDIC national average

1.73%

As of Sep 2026

416 CDs are open only to Nebraska residents, from 44 institutions. The highest advertised APY among them is 4.55%.

The highest nationally available rate is 5.00% APY, 45 basis points above the Nebraska leader.

315 of the 416 Nebraska CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.

Nebraska-Specific CD Rates

CD rates specifically available to Nebraska residents. Business, youth and IRA CDs are not included.

Top 50 CD terms from 22 banks,sorted by highest APY
#1
First Westroads Bank, Inc.

48 Month CD

Term: 48 months

4.55%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#2
First Westroads Bank, Inc.

60 Month CD

Term: 60 months

4.55%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#3
First Westroads Bank, Inc.

24 Month CD

Term: 24 months

4.45%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#4
First Westroads Bank, Inc.

36 Month CD

Term: 36 months

4.45%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#5
Dundee Bank

11 Month CD Special

Term: 11 months

4.40%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#6
Access Bank

12 Month Special (New Money)

Term: 12 months

4.40%
APY
Observed: Oct 13, 2026
Min Deposit

N/A

Branches

Yes

#7
Union Bank and Trust Company

24 Month CD

Term: 24 months

4.40%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#8
Farmers and Merchants Bank

36-Month Certificate

Term: 36 months

4.37%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#9
Farmers and Merchants Bank

48-Month Certificate

Term: 48 months

4.37%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#10
Farmers and Merchants Bank

60-Month Certificate

Term: 60 months

4.37%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#11
Thayer County Bank

48 Month CD

Term: 48 months

Up to4.36%
APY

Needs at least $75,000

Observed: Oct 13, 2026
Min Deposit

N/A

Branches

Yes

#12
Westside State Bank

13-Month Special CD

Term: 13 months

Up to4.35%
APY

Needs at least $100,000

Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#13
Union Bank and Trust Company

18 Month CD

Term: 18 months

4.35%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#14
Thayer County Bank

24 Month CD

Term: 24 months

Up to4.33%
APY

Needs at least $75,000

Observed: Oct 13, 2026
Min Deposit

N/A

Branches

Yes

#15
Dundee Bank

7 Month CD Special

Term: 7 months

4.30%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#16
Access Bank

30 Month Special

Term: 30 months

4.30%
APY
Observed: Oct 13, 2026
Min Deposit

N/A

Branches

Yes

#17
First Westroads Bank, Inc.

12 Month CD

Term: 12 months

4.28%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#18
Adams State Bank

24 Month CD

Term: 24 months

4.27%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#19
Farmers and Merchants Bank

24-Month Certificate

Term: 24 months

4.27%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#20
United Republic Bank

11-Month CD Special

Term: 11 months

4.25%
APY

That 4.25% is a promotional rate.

Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#21
Union Bank and Trust Company

12 Month CD

Term: 12 months

4.25%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#22
UMB Bank, National Association

15-Month Time Deposit Special

Term: 15 months

4.25%
APY

That 4.25% is a promotional rate.

Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#23
Enterprise Bank

24 Month CD Special

Term: 24 months

4.25%
APY
Observed: Oct 7, 2026
Min Deposit

$10,000

Branches

Yes

#24
UMB Bank, National Association

9-Month Time Deposit Special

Term: 9 months

4.20%
APY

That 4.20% is a promotional rate.

Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#25
Thayer County Bank

12 Month CD

Term: 12 months

Up to4.19%
APY

Needs at least $75,000

Observed: Oct 13, 2026
Min Deposit

N/A

Branches

Yes

#26
Farmers and Merchants Bank

12-Month Certificate

Term: 12 months

4.16%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#27
First National Bank in Ord

15 Month Feature CD

Term: 15 months

Up to4.16%
APY

Needs at least $100,000

Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#28
Enterprise Bank

12 Month CD Special

Term: 12 months

4.15%
APY
Observed: Oct 7, 2026
Min Deposit

$10,000

Branches

Yes

#29
Pathway Bank

12 Month CD

Term: 12 months

4.15%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#30
Great Plains State Bank

15 Month CD

Term: 15 months

4.15%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#31
United Republic Bank

15-Month CD Special

Term: 15 months

4.15%
APY

That 4.15% is a promotional rate.

Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#32
Enterprise Bank

6 Month CD Special

Term: 6 months

4.10%
APY
Observed: Oct 7, 2026
Min Deposit

$10,000

Branches

Yes

#33
Great Plains State Bank

7 Month CD

Term: 7 months

4.10%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#34
City Bank & Trust Co.

13 Month Special CD

Term: 13 months

4.10%
APY
Observed: Oct 3, 2026
Min Deposit

N/A

Branches

Yes

#35
Pathway Bank

18 Month CD

Term: 18 months

4.10%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#36
Town & Country Bank

18 Month Opportunity CD Special

Term: 18 months

4.10%
APY
Observed: Oct 7, 2026
Min Deposit

$2,500

Branches

Yes

#37
FirstBank of Nebraska

23 Month CD Special

Term: 23 months

4.10%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#38
Farmers and Merchants Bank

3-Month Certificate

Term: 3 months

4.06%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#39
Farmers and Merchants Bank

6-Month Certificate

Term: 6 months

4.06%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#40
Adams State Bank

9 Month CD

Term: 9 months

4.06%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#41
Adams State Bank

12 Month CD

Term: 12 months

4.06%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#42
West Gate Bank

12 Month CD

Term: 12 months

4.06%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#43
Union Bank and Trust Company

6 Month CD

Term: 6 months

4.05%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#44
Associated Bank, National Association

7-Month CD Special

Term: 7 months

4.05%
APY

That 4.05% is a promotional rate.

Observed: Oct 7, 2026
Min Deposit

$5,000

Branches

Yes

#45
The First National Bank of Johnson

12-Month CD

Term: 12 months

4.05%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#46
FirstBank of Nebraska

17 Month CD Special

Term: 17 months

4.05%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#47
First State Bank Nebraska

18-Month CD

Term: 18 months

4.05%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#48
Pathway Bank

24 Month CD

Term: 24 months

4.05%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#49
The First National Bank of Gordon

12 Month CD

Term: 12 months

4.03%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#50
First Westroads Bank, Inc.

6 Month CD

Term: 6 months

4.01%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

Nationally Available CD Rates

The 8 highest CD rates available nationwide, including in Nebraska.

InstitutionProduct / Term
Popular Direct
60 Months60 months
5.00%
Popular Direct
48 Months48 months
4.95%
Popular Direct
36 Months36 months
4.85%
E*TRADE from Morgan Stanley
12-Month Certificates of Deposit12 months
4.75%
Bread Savings
18-Month CD18 months
4.75%
Barclays
24-Month CD24 months
4.75%
Barclays
60-Month CD60 months
4.75%
Popular Direct
24 Months24 months
4.70%

See the full national list