Bank · FDIC insured
Exchange Bank CD Rates
Exchange Bank’s best CD rate is 4.25% APY on a 1-year CD. Terms run from 6 months to 2 years. Rates checked October 22, 2026.
How Exchange Bank’s CD rates compare
Compared with banks and credit unions near Kearney, NE, where Exchange Bank has the most branches. $10,000, best rate first.
This bank’s best
Exchange Bank
4.25%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $425
12 Month CD Special
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
Exchange Bank CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo4.20%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.10%
- QualifiedQualified4.25%
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 Exchange 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.
12 Month CD Special
4.25%APY · 1 term
Lincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsLincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings | 4.25% | $425 |
Sources (1)
- eb-us.com/cd-lincoln · captured Oct 15, 2026
6 Month CD Special
4.20%APY · 1 term
Lincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsLincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings | 4.20% | $208 |
Sources (1)
- eb-us.com/cd-lincoln · captured Oct 15, 2026
91 Day CD Special
4.15%APY
Lincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upLincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings.$2,500 and up | 4.15% | $415 | Lincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings. |
Sources (1)
- eb-us.com/cd-lincoln · captured Oct 15, 2026
24 Month CD Special
4.10%APY · 1 term
Lincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsLincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings | 4.10% | $837 |
Sources (1)
- eb-us.com/cd-lincoln · 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.