Bank · FDIC insured
Columbus Bank & Trust CD Rates
Columbus Bank & Trust’s best CD rate is 4.10% APY on an 11-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Columbus Bank & Trust’s CD rates compare
Compared with banks and credit unions near Columbus, NE, where Columbus Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Columbus Bank & Trust
4.10%APY
- Term
- 11 months
- Minimum
- —
- Earns on $10,000
- $375
Certificate of Deposit (CD)
Top rate
Union Bank & Trust
4.40%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $899
2nd-highest rate
Cornerstone Bank
4.35%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $547
Columbus Bank & Trust CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo3.65%
- QualifiedQualified4.10%
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 Columbus Bank & Trust 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.
Certificate of Deposit (CD)
Up to 4.10%APY · 8 terms
Minimum deposit may be required. Terms range from 6-60 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings. Interest rates may change after account is opened.
| Term | APY · $500 – $20,000 | APY · $500 and up | APY · $20,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 3.45% | — | 3.45% | 3.45% | 3.45%3.45% $20k–$50k3.45% from $50k | $171 |
| 11 monthsSpecial Rate | — | 4.10% | — | — | 4.10% | $375 |
| 12 months | 3.49% | — | 3.49% | 3.49% | 3.49%3.49% $20k–$50k3.49% from $50k | $349 |
| 22 monthsSpecial Rate | — | 3.90% | — | — | 3.90% | $727 |
| 24 months | 3.55% | — | 3.55% | 3.55% | 3.55%3.55% $20k–$50k3.55% from $50k | $723 |
| 36 months | 3.60% | — | 3.60% | 3.60% | 3.60%3.60% $20k–$50k3.60% from $50k | $1,119 |
| 48 months | 3.65% | — | 3.65% | 3.65% | 3.65%3.65% $20k–$50k3.65% from $50k | $1,542 |
| 60 months | 3.65% | — | 3.65% | 3.65% | 3.65%3.65% $20k–$50k3.65% from $50k | $1,963 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate
Up to 4.10%APY · 8 terms
Penalty may be imposed for early withdrawal. Fees could reduce earnings. Interest rates may change after account is opened.
| Term | APY · $500 – $20,000 | APY · $500 and up | APY · $20,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 3.45% | — | 3.45% | 3.45% | 3.45%3.45% $20k–$50k3.45% from $50k | $171 |
| 11 monthsSpecial Rate | — | 4.10% | — | — | 4.10% | $375 |
| 12 months | 3.49% | — | 3.49% | 3.49% | 3.49%3.49% $20k–$50k3.49% from $50k | $349 |
| 22 monthsSpecial Rate | — | 3.90% | — | — | 3.90% | $727 |
| 24 months | 3.55% | — | 3.55% | 3.55% | 3.55%3.55% $20k–$50k3.55% from $50k | $723 |
| 36 months | 3.60% | — | 3.60% | 3.60% | 3.60%3.60% $20k–$50k3.60% from $50k | $1,119 |
| 48 months | 3.65% | — | 3.65% | 3.65% | 3.65%3.65% $20k–$50k3.65% from $50k | $1,542 |
| 60 months | 3.65% | — | 3.65% | 3.65% | 3.65%3.65% $20k–$50k3.65% from $50k | $1,963 |
Sources (2)
All captured Oct 15, 2026
Youth Savers Certificate of Deposit (CD)
Up to 3.60%APY · 3 terms
Penalty may be imposed for early withdrawal. Fees could reduce earnings. Interest rates may change after account is opened.
| Term | APY · $100 – $20,000 | APY · $20,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 36 months | 3.56% | 3.56% | 3.56% | 3.56%3.56% $20k–$50k3.56% from $50k | $1,106 |
| 48 months | 3.60% | 3.60% | 3.60% | 3.60%3.60% $20k–$50k3.60% from $50k | $1,520 |
| 60 months | 3.60% | 3.60% | 3.60% | 3.60%3.60% $20k–$50k3.60% from $50k | $1,934 |
Sources (1)
- colbank.com/rates · captured Oct 15, 2026
Opening an account
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