Bank · FDIC insured
Adams State Bank CD Rates
Adams State Bank’s best CD rate is 4.27% APY on a 2-year CD. Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How Adams State Bank’s CD rates compare
Compared with banks and credit unions near Beatrice, NE, where Adams State Bank has the most branches. $10,000, best rate first.
This bank’s best
Adams State Bank
4.27%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $872
Certificates of Deposit
2nd-highest rate
Security First Bank
4.16%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $849
3rd-highest rate
First State Bank Nebraska
4.05%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $614
Adams State Bank CD score
88
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo4.27%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.27%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Adams State Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.27%APY · 12 terms
Minimum balance above is to open: No minimum balance required to earn interest. Substantial penalty for early withdrawal of certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.75% | $19 |
| 6 months | 3.55% | $176 |
| 9 months | 4.06% | $303 |
| 12 months | 4.06% | $406 |
| 14 months | 3.44% | $402 |
| 15 months | 3.44% | $432 |
| 18 months | 3.44% | $520 |
| 24 months | 4.27% | $872 |
| 30 months | 3.44% | $882 |
| 36 months | 3.30% | $1,023 |
| 42 months | 3.30% | $1,203 |
| 48 months | 3.30% | $1,387 |
Sources (1)
- adamsstate.com/deposit-accounts/deposit-rates · captured Oct 15, 2026
Special-purpose accounts
ROTH IRA TDOA
3.25%APY
Rate may change after opening. Fees on interest bearing accounts could reduce earnings. Substantial penalty for early withdrawal of certificates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change after opening.Any balance | 3.25% | $325 | Rate may change after opening. |
Sources (1)
- adamsstate.com/deposit-accounts/deposit-rates · captured Oct 15, 2026
TRADITIONAL IRA TDOA
3.25%APY
Rate may change after opening. Fees on interest bearing accounts could reduce earnings. Substantial penalty for early withdrawal of certificates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change after opening.Any balance | 3.25% | $325 | Rate may change after opening. |
Sources (1)
- adamsstate.com/deposit-accounts/deposit-rates · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.