Bank · FDIC insured
Custer Federal State Bank CD Rates
Custer Federal State Bank’s best CD rate is 3.65% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Custer Federal State Bank’s CD rates compare
Compared with banks and credit unions near Kearney, NE, where Custer Federal State Bank has the most branches. $10,000, best rate first.
This bank’s best
Custer Federal State Bank
3.65%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $365
Certificate of Deposit
Top rate
Cornerstone Bank
4.35%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $547
2nd-highest rate
Trius Federal Credit Union
4.35%APY
- Term
- 23 months
- Minimum
- —
- Earns on $10,000
- $850
Custer Federal State Bank CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.15%
- QualifiedQualified3.65%
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 Custer Federal 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.
Certificate of Deposit
Up to 3.65%APY · 13 terms
Effective as of April 21, 2026. Rates are subject to change. A Jumbo rate may be offered for CD Deposits of $100,000.00 or greater; please inquire with a new accounts representative for details. Penalty may be imposed for early withdrawal. Interest compounds semi-annually; payment frequency (monthly, quarterly, or semi-annually) is optional. Step-Up CD rates may change after the account is opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownStep-Up CD: Rates may change after the account is opened | 3.60% | $0 |
| 6 months | 3.60% | $178 |
| 12 months | 3.65% | $365 |
| 15 months | 3.60% | $452 |
| 18 months | 3.15% | $476 |
| 21 months | 3.50% | $621 |
| 24 months | 3.15% | $640 |
| 27 months | 3.15% | $723 |
| 30 months | 3.15% | $806 |
| 33 monthsStep-Up CD: Rates may change after the account is opened | 3.15% | $890 |
| 36 monthsStep-Up CD: Rates may change after the account is opened | 3.15% | $975 |
| 48 months | 3.15% | $1,321 |
| 60 monthsStep-Up CD: Rates may change after the account is opened | 3.15% | $1,677 |
Sources (1)
- custerfederal.com/cdrates · captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CD
3.15%APY
Penalty may be imposed for early withdrawal. Tax penalties may apply for early distribution. Available as Traditional or Roth IRA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 3.15% | $315 |
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.