Bank · FDIC insured
First State Bank CD Rates
First State Bank’s best CD rate is 2.52% APY on a 1-year CD. Terms run from 3 months to 3 years. Rates checked October 22, 2026.
How First State Bank’s CD rates compare
Compared with banks and credit unions in Nebraska, where First State Bank has the most branches. $10,000, best rate first.
This bank’s best
First State Bank
2.52%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $252
Certificates of Deposit
Top rate
Metro Credit Union
4.55%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $971
2nd-highest rate
First Westroads Bank
4.55%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $1,948
First State Bank CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo2.27%
- 9–15 months9–15 mo2.52%
- 16–30 months16–30 mo2.52%
- 31–60 months31–60 mo2.52%
- QualifiedQualified2.52%
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 First 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 2.52%APY · 8 terms
Automatically renewable. 10 day grace period to cash in a certificate. Penalty for early withdrawal. Interest compounded quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSubstantial penalty for early withdrawal. The APY assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings | 2.02% | $50 |
| 6 monthsSubstantial penalty for early withdrawal. The APY assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings | 2.27% | $113 |
| 8–10 monthsApplies to 8 & 10 month Certificate. Substantial penalty for early withdrawal. The APY assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings | 2.27% | $151 |
| 12 monthsSubstantial penalty for early withdrawal. The APY assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings | 2.52% | $252 |
| 18 monthsSubstantial penalty for early withdrawal. The APY assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings | 2.52% | $380 |
| 24 monthsSubstantial penalty for early withdrawal. The APY assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings | 2.52% | $510 |
| 30 monthsSubstantial penalty for early withdrawal. The APY assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings | 2.52% | $642 |
| 36 monthsSubstantial penalty for early withdrawal. The APY assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings | 2.52% | $775 |
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.