Bank · FDIC insured
Commercial State Bank Savings Rates
Top CarrotCommercial State Bank’s best savings rate is 1.45% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Commercial State Bank’s savings rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Commercial State Bank has the most branches. $10,000, best rate first.
This bank’s best
Commercial State Bank
1.45%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $145
Money Market Account
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Cornhusker Bank
3.46%APY
- Minimum
- $100
- Earns on $10,000 a year
- $346
Commercial State Bank savings score
87
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0001.26%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0001.70%
- QualifiedQualified1.26%
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 Commercial State Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.45%APY
Available to individuals, organizations, and businesses. Minimum opening deposit is $1,000. Service fee of $2.00 monthly maintenance charge per account, plus $6.00 monthly charge if average balance falls below required minimum ($1,000.00), at which point the earnings rate becomes that of a NOW account. Service fee waived for customers with Social Security Retirement direct deposit. Limited transactions allowed. Interest compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000APY compounded monthly. $6.00 monthly charge if average balance falls below required minimum ($1,000.00); earnings rate becomes that of a NOW account. Service fee does not apply to customers with Social Security Retirement direct deposit. | 1.25% | — | APY compounded monthly. $6.00 monthly charge if average balance falls below required minimum ($1,000.00); earnings rate becomes that of a NOW account. Service fee does not apply to customers with Social Security Retirement direct deposit. |
| $1,000 – $25,000APY compounded monthly. Service fee does not apply to customers with Social Security Retirement direct deposit. | 1.45% | $145 | APY compounded monthly. Service fee does not apply to customers with Social Security Retirement direct deposit. |
| $25,000 – $50,000APY compounded monthly. Service fee does not apply to customers with Social Security Retirement direct deposit. | 1.55% | — | APY compounded monthly. Service fee does not apply to customers with Social Security Retirement direct deposit. |
| $50,000 and upAPY compounded monthly. Service fee does not apply to customers with Social Security Retirement direct deposit. | 1.70% | — | APY compounded monthly. Service fee does not apply to customers with Social Security Retirement direct deposit. |
Sources (2)
All captured Sep 18, 2026
Passbook Savings Account
1.26%APY
Annual maintenance fee of $3.00 is waived for customers with Social Security Retirement direct deposit or customers under the age of 21. Limited to 15 withdrawals per year before additional fees apply. Savings fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded quarterly. Fee waived for customers under age 21 or with Social Security Retirement direct deposit.Any balance | 1.26% | $126 | Interest compounded quarterly. Fee waived for customers under age 21 or with Social Security Retirement direct deposit. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA
3.25%APY
Available as Traditional IRA, Roth IRA, or SEP IRA. Deposits insured up to $250,000 by FDIC. Savings fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded quarterly.Any balance | 3.25% | $325 | Interest compounded quarterly. |
Sources (2)
All captured Sep 18, 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.